Our experts will help you comfortably cover your home-sweet-home.
Comprehensive, collision, liability—whatever your vehicle needs, we’ll make sure you get it.
You’re a tenant that wants to protect your belongings? we’ve got you (and them) covered.
Get the best coverage quote to protect both your auto and home.
Get coverage that is best for your needs.
Protect your business with the best general liability insurance.
Get coverage that is targeted to your business requirements.
Business vehicles have specific insurance needs. We’ll make sure you are covered.
Protect your business with the best commercial property insurance.
Protect your business with best commercial umbrella insurance.
Kyle Stepien is a highly experienced insurance professional with over a decade of expertise in independent property and casualty insurance. He has built an outstanding reputation for delivering exceptional insurance solutions to his clients. In 2020, he relocated to Florida to establish Mindful Insurance Group, a leading partner with Renegade Insurance that provides reliable and personalized insurance solutions to clients in the Florida market.
Kyle is committed to honesty, integrity, and outstanding service. His combination of personal development and insurance expertise allows him to provide a unique and empathetic approach to insurance solutions. He believes in building strong relationships with clients and helping them with not only their insurance needs but anything else they may need assistance with within life.
Whether you are a business owner in need of comprehensive coverage, an individual looking for a reliable insurance policy, or just need someone to talk to because you are having a bad day, Kyle is here for you.
“After being turned away by five other agencies due to inspection issues with my new home, I had lost hope of finding homeowners' insurance until I was referred to Kyle. He quickly found a policy that fit my needs, allowing me to close on my dream house. I could not thank him enough. ”
“I have been a homeowner in Florida for over a decade and have had my share of insurance headaches. However, working with Kyle has been an absolute pleasure. He took the time to understand my situation and found me a policy that was not only comprehensive but also affordable.”
“Kyle's responsiveness is truly exceptional. He always picks up the phone or calls back promptly. One Saturday afternoon, I was expecting to leave a voicemail, but Kyle answered my call and helped me right away. Kyle's availability and willingness to help me whenever I need him is something that I really appreciate and value as a client.”
Flood insurance is typically not included in a standard homeowners’ insurance policy. Homeowners would need to purchase a separate flood insurance policy to ensure coverage for flood-related damage to their property. It’s important to note that there is often a 30-day waiting period for flood insurance coverage to take effect, so it’s best to purchase a policy well in advance of any potential flood events. However, it should be noted that some home insurance carriers do offer flood insurance as an optional coverage within their homeowners’ insurance policies.
A wind mitigation inspection assesses the preparedness of a home’s structure for strong winds and hurricanes, while a 4-point inspection evaluates the condition of a home’s four primary systems – roofing, electrical, plumbing, and HVAC. Many insurance companies in Florida require these inspections before issuing a policy or determining the premium.
Replacement cost coverage is typically more expensive but provides coverage for the full cost to repair or replace damaged property with new items of like kind and quality. Actual cash value coverage is less expensive but factors in depreciation, meaning you would receive a payout based on the value of the damaged property at the time of loss. The best choice for your homeowners’ insurance policy depends on your individual needs and budget.