About Us
Welcome to Macpherson Insurance
Knowledgeable & Reliable Insurance Partner
Macpherson Insurance Agency Inc. was founded in Coral Gables, FL on a straightforward belief: people deserve insurance they can understand and a team they can trust. Whether you need protection for your home, vehicle, business, or family, we make the process easy and stress-free. As an independent agency, we offer personalized guidance, access to multiple carriers, and ongoing support long after your policy begins.
Independent Agency — Real Options, Better Value
Fast, Friendly, Local Support
Clear & Transparent Coverage Guidance
Why Clients Choose Us
Protection Designed Around You
Service, clarity, and real support — every step of the way.
Led by a Trusted Insurance Professional
Leadership You Can Trust
Driven by experience, accountability, and service.
Montreal Morand brings over 20 years of leadership experience in the insurance industry, helping clients and agents make confident, informed decisions. He has led top-performing teams, managed more than $128 million in premium, and earned multiple national awards for excellence. Today, he continues his mission to educate, empower, and deliver dependable protection to the community.
Frequently Asked Questions
Helpful Answers to Common Questions
Quick guidance to help you understand your coverage.
What types of insurance does Macpherson Insurance Agency offer?
We provide both personal and commercial insurance solutions. On the personal side: homeowners, automobile, condo, renters, windstorm, flood, excess flood, and more. On the commercial side: general liability, property, inland marine, ocean marine, workers compensation, and more.
Do you specialize in homeowners insurance in South Florida?
Yes. We specialize in homeowners coverage in South Florida and work with multiple carriers based on your property’s age, location and replacement cost.
What does “replacement cost” mean in a policy?
Replacement cost is the cost to rebuild your home to the same standard it had before a loss — not the market value of your property.
Why is it important that my insurer is licensed in Florida?
Licensed Florida insurers are continuously monitored for financial stability — if one fails, the Florida Insurance Guaranty Fund may reimburse insureds for unpaid claims up to a limit.
Can I lower my homeowners premium with discounts?
Yes — mitigation features like impact glass, storm shutters, roof straps, and approved sheathing may qualify you for significant credit reductions.
Do you offer payment plans or premium financing?
Yes. In many cases, payment plans and premium financing are available to make coverage more affordable and manageable over time.
