Rick Espino

As a safe place in the unpredictable waters of homeownership, we offer a reassuring presence to support the foundation of your financial security. We’re focused on underserved coastal communities and are dedicated to safeguarding homes and financial futures against the unpredictability of nature and events related to owning a home. Founded on the principles of innovation and customer-centric service, Lilypad emerges as a beacon of hope in challenging insurance markets. Our depth of experience and strong approach for homeowners facing heightened hurricanes and climate risks offers a new option for security. By understanding and addressing the specific needs of coastal regions, we're not just insuring properties—we're building resilient communities.