About Coverage Insurance Agency

Your independent insurance agency in Miami Lakes, built on 75+ combined years.

Coverage Insurance Agency, Inc. is a Florida-licensed independent insurance agency (FL Lic# L118126) based in Miami Lakes. Founded by Lester Martinez in 2023, our team brings together more than 75 years of combined experience across personal and commercial lines.

75+
Years of Combined Experience
40+
A-Rated Carriers
1:1
Client Relationships

Our Story

Built on relationships, not transactions.

Coverage Insurance Agency was founded in 2023 by Lester Martinez after 22 years in the insurance industry. The agency was built from day one on a single principle. Clients deserve to meet their dedicated agent in person, not navigate phone trees and chatbots.

We are old school in approach and modern where it counts. We serve Miami Lakes, Hialeah, Doral, Miami Gardens, and all of Miami-Dade County, sitting down with clients to understand their real situation before recommending a policy.

What Makes Us Different

Independent advice across 40+ carriers.

Independent means we shop policies across more than 40 A-rated carriers rather than representing a single company. The result is coverage that fits your situation instead of a one-size-fits-all product.

We tailor each policy to the client's real exposures. Personal lines including home, auto, mobile home, boat, motorcycle, and renters. Commercial lines including business, commercial property, commercial auto, and workers compensation.

Meet your dedicated agent →

Meet the Team

Licensed, experienced, and here to help.

Five Florida-licensed insurance professionals serving Miami-Dade families and businesses. Every team member is bound by the state's licensing standards and our agency's commitment to clarity, integrity, and responsive service.

LM

Lester Martinez

Owner & Managing Partner · FL Lic# P032114

With more than 22 years in the insurance industry, Lester has dedicated his career to helping individuals, families, and business owners protect what matters most. He specializes in personal and commercial insurance, with deep expertise in homeowners insurance, commercial property, liability protection, and customized risk management strategies. His hands-on approach has helped establish Coverage Insurance Agency as a trusted, growing presence throughout Florida.

LR

Lausbel Romero

Producer, Commercial Lines · FL Lic# W161995

With more than 15 years in the insurance industry, Lausbel helps business owners secure tailored insurance solutions that protect their operations, assets, and long-term growth. His experience covers commercial property, general liability, and specialized business risks, and he works closely with clients to ensure coverage is properly structured for each business's unique exposures.

CF

Chantal Fuentes

Producer, Personal Lines · FL Lic# P007219

With over 25 years of experience in the insurance industry, Chantal specializes in helping individuals and families find the right protection for their homes, vehicles, and personal assets. She is committed to clear guidance, responsive communication, and personalized service, whether assisting first-time homeowners, reviewing current policies, or explaining coverage options.

YM

Yoselin Marinez

Customer Service Representative · FL Lic# G318259

Yoselin is dedicated to providing clients with prompt, friendly, and dependable support. She handles policy changes and renewals, answers coverage questions, and guides clients through the service process. Known for strong communication and attention to detail, she works closely with clients and team members to ensure a smooth, professional experience.

YS

Yolanda Santiesteban

Customer Service Representative · FL Lic# W487687

With nearly 10 years of experience in the insurance industry, Yolanda assists clients with policy changes, renewals, coverage questions, and day-to-day service needs. She helps maintain the agency's high standard of customer care and is known for strong communication and attention to detail.

Our Values

What we stand for.

Trust

Built on Lester Martinez's 22 years of personal insurance experience and a team of seasoned producers. Independent advice, no pressure, no surprises.

People First

One-to-one customer experience. You're never just a policy number to us.

Clarity

No jargon, no hidden fine print. We explain coverage in plain language so you can decide with confidence.

Credentials & Memberships

Licensed in Florida. Connected to our industry.

Florida Licensed

Coverage Insurance Agency, Inc. · FL Lic# L118126

All Coverage agents hold active Florida insurance licenses verifiable at the Florida Department of Financial Services. Licensing is the floor. Our team's combined 75+ years of in-market experience is the ceiling.

Industry Memberships

  • LAAIA · Latin American Association of Insurance Agencies. We serve our Spanish-speaking community in both English and Spanish across every line of coverage.
  • IIABC · Independent Insurance Agents of Broward County.

Come meet your dedicated agent.

Schedule an in-person meeting today.

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