Chief Executive Officer
We Are The Best In Insurance Services
With over 21 years of experience in the insurance industry and 2 years as a licensed realtor, Catherine Ayala offers a unique and comprehensive approach to helping clients protect their assets and achieve their real estate goals. As the owner of C&M Personal Lines Insurance Agency, Catherine has built a proven track record of delivering personalized insurance solutions tailored to the specific needs of individuals, families, and businesses.
In addition to her expertise in auto, home, liability, vacant, and flood insurance, Catherine provides valuable insights into the real estate market, ensuring clients are well-informed when making important property decisions. This dual expertise in both insurance and real estate enables Catherine to offer a well-rounded approach, addressing both protection and investment needs.
Known for her dedication, integrity, and commitment to customer satisfaction, Catherine is passionate about guiding clients through their insurance options or assisting in the buying or selling process. She is focused on ensuring that each client feels secure and confident every step of the way.
Quality services Since 2004
We’re committed to providing the highest-quality coverage at the most competitive rates.
At CM Personal Lines Insurance Agency, we’ve proudly served Florida residents since 2004 with a commitment to exceptional service and affordable coverage.
Our mission is simple: to protect what matters most — your home, your car, and your peace of mind — through personalized insurance solutions at the most competitive rates.
With deep Florida roots and decades of experience, we’re here to make insurance easy, reliable, and tailored to you.
Insurance Made Personal — Because You Matter.
03
CLIENTS
Car Insurance.
What is car insurance?
Car insurance is a contract that protects the vehicle owner from potential financial losses caused by accidents, theft, property damage, or liability. Depending on the type of coverage, it can include vehicle repairs, medical expenses, legal assistance, and damage to third parties. Having insurance is not only a smart way to protect yourself—it is also a legal requirement in many places.
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THE NUMBERS
Why selecting us is your best Option?
Happy Clients
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Over 22,000 satisfied clients stand behind our commitment and excellence in every service we provide.
Years of Experience
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Our 21 years of experience establish us as industry leaders, offering you trust and proven results.
Custom Services
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We offer 19 customized services designed to fit your specific needs and goals.
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clients
The confidence of our clients
At C&M personal lines ins agency, the trust and satisfaction of our clients are the foundation of everything we do. Every policy we offer is backed by a commitment to quality, transparency, and personalized service. Our clients feel confident knowing they have a dedicated team focused on protecting their interests, offering reliable coverage, and being there when they need us most. Your peace of mind is our greatest achievement.
Protect Your Home, Secure Your Peace of Mind With Our Home Insurance Policies
Start Today, choose a plan
It depends on your car’s value, age, and use. New vehicles typically need full coverage.
It depends on the policy; hurricanes may be included, but earthquake coverage usually requires an additional policy.
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Yes, most policies cover you throughout the U.S., but it’s important to confirm.
Doctor visits, hospitalization, prescription drugs, surgeries, and emergencies.
Yes, you can add your spouse and children as dependents.
Typically general liability, commercial property, and business interruption insurance.
Yes, liability coverage protects against client-related claims.
Condo insurance usually covers the inside of your unit; home insurance covers the entire structure.
Yes, it covers interior walls, floors, ceilings, and personal belongings.
No, a separate flood insurance policy is needed
Protecting What Matters Most: Your Health, Family, and Financial Future
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FAQ
general questions
Got questions? We’re here to help
We know navigating the world of insurance can raise many doubts. That’s why we’ve gathered answers to the most common questions from our clients.
Check out our FAQ section and find the information you need—quickly and clearly.
