Heart of a Teacher. Independent Advice. Zero Pressure.
Proudly serving the Ramsey community throughout the South East
Meet Ricardo Alonso
I became a RamseyTrusted professional because I believe every family and business deserves honest, independent insurance advice — not a sales pitch. Dave's team personally vetted our agency for integrity, expertise, and a genuine heart of a teacher.
As an independent broker, we shop 40+ A-rated carriers to find you the best coverage at the best price. My background in construction and finance means I understand the real risks business owners face to make sure you're properly protected without overpaying. As a father and husband, I also understand how important the bottom dollar is to a household, which is why we always keep that in mind.
Working with a RamseyTrusted advisor is completely free.
Watch: Why I Became RamseyTrusted
Why Use a RamseyTrusted Independent Insurance Agent?
It's simple: Choice, ethics, and professionalism.
A shocking number of people in our country grossly overpay for car, home, and many other types of insurance without even realizing it. A RamseyTrusted agent works for you, not the insurance company.
We are not limited to a single financial company's products or plans. As independent advisors, we can search dozens of insurance products and tools from many reputable insurance companies to find the best coverage at the best price for your unique situation.
And best of all, it's absolutely free to work with a RamseyTrusted independent insurance professional!
What Makes Us RamseyTrusted?
We've earned the RamseyTrusted endorsement by sticking to Dave's teachings, having the heart of a teacher and a high level of integrity.
Independent Advice
We work for you, not insurance companies. Our recommendations are based solely on your best interests and financial goals.
Competitive Pricing
Access to dozens of carriers means we shop aggressively to find you the best coverage at the most competitive rates available.
Personal Service
You'll work directly with Ricardo and his team—real people who answer calls, respond quickly, and genuinely care about protecting what's yours.
Vetted & Verified
Dave Ramsey's team personally vets every RamseyTrusted professional for integrity, expertise, and a track record of excellence.
Proven Excellence
We maintain the highest standards of professionalism and customer satisfaction to keep our RamseyTrusted status year after year.
Shared Values
We believe in financial peace, living debt-free, and protecting your family's future—the same principles Dave Ramsey teaches.
Dave's Do's & Don'ts on Insurance
Dave Ramsey recommends an overall approach to purchasing insurance that maximizes your protection and minimizes your costs. Here's the quick guide.
- Term life only — 15 or 20 year guaranteed level term
- Coverage equal to 10x your income
- "A" rated companies or better
- Protect your spouse & small riders for children ($10K–$20K)
- ✕Cash value plans (Whole, Universal, Variable Life)
- ✕Return of Premium plans — just another cash value trap
- ✕Accidental Death or Waiver of Premium riders
- ✕Sales tactics based on emotions or confusion
- Higher liability limits — inexpensive protection against lawsuits
- Higher deductibles to save on premiums
- Guaranteed Replacement Cost on your home
- Consider an umbrella policy as assets grow
- Bundle home & auto with one company for discounts
- ✕Drive with minimum state limits — quickest way to lose everything
- ✕Underinsure your home — check value every year
- ✕Split cars across different companies (miss multi-car discounts)
- ✕Report small claims — they count against your record
- Purchase protection once you turn 60
- Benefit period of at least 5 years (lifetime is best)
- Longer waiting periods to reduce costs
- Shop various plans using an independent agent
- ✕Buy before age 60 (statistically low need before then)
- ✕Minimal or short-term plans
- ✕Cash value life insurance piggy-backed with LTC benefits
- ✕Buy the first plan presented — always shop around!
- Plan with "full restoration" benefits
- Covers all risks of ID theft, not just credit
- Enroll your entire family — children are prime targets
- Free credit report from each bureau once a year
- ✕Credit monitoring or fraud alert programs only
- ✕"Hokey" advertising hype with limited fine print guarantees
- ✕Credit score improvement or monitoring services
- ✕Pay for services that are free and you can do yourself
Not sure which coverage is right for you? We'll walk you through Dave's recommendations and find the best fit for your situation.
LionRater™ Insurance Price EstimatorHow Much Should You Be Paying for Insurance?
Use our LionRater™ Insurance Estimator to get an instant insurance estimate based on real Florida price data. No personal information required. See how your price compares to the state average.
What Our Clients Say
Real reviews from real clients — the same integrity Dave Ramsey demands
Google Reviews (102)
Annaleigh Johnson
I can't recommend Ricardo enough. He was so easy to work with, and he helped my family save a ton of money on homeowners and flood insurance. I'm on social security every dollar ma...
Danelys Torres
Easy to work with! Saved money on homeowners insurance and flood insurance, was able to review insurance policies and compare multiple companies for a better price
Ero Torrales
Excellent customer service.
Carlos Torres
Ricardo and his Team were able to help our HOA save money on our property insurance and helped us review our associations coverages in a way that was easy to understand, thank you!
milton mercado
Ricardo helped our association save a ton of money on our insurances, he also helped cover some gaps our prior agent left on directors and officers insurance would recommend highly
Maria Laboy-Castro
Ricardo Alonso was very helpful with the three different quotes I reviewed from him and answered all my questions so that my husband and Ican make an informed decision. He saved me...
Ready to Work with a Trusted Advisor?
As a Dave Ramsey Trusted Pro, we bring the same values of integrity, transparency, and excellence to every client.