Janet Fernandez

Welcome to the Janet Fernandez State Farm Agency!

I’d love to tell you a little about myself. My husband and I first met during our college years at FSU, and we’ve been together for 42 amazing years—37 years married and 5 years dating. We both studied Business and had the chance to serve as Student Senators, representing opposite sides. Today, we’re proud parents of three adult children, each building their own future. Our “house divided” family includes a proud UF Gator, an FSU Seminole, and a neutral Boston College graduate. While our two daughters have both made their lives in the Northeast—one working in Law and the other in finance—our son, Michael, stayed in South Florida. He’s grown his own successful State Farm Agency in Cooper City, Florida.

For more than 30 years, I’ve been honored to work as a State Farm agent, helping individuals and families manage risk and protect what matters most. My career has been shaped by real-life experiences, including surviving a plane crash and recovering from a serious car accident. Those moments have strengthened my appreciation for every day—and fueled my drive to keep helping others.

One of the most rewarding parts of my work is supporting and developing team members and interns. Over the years, I’ve trained and mentored more than 50 interns, and it’s been incredibly gratifying to watch them thrive. Some have chosen to continue in insurance and financial services, while others have pursued different paths. I’m especially proud that three of my former interns have gone on to become local State Farm agents themselves.

Throughout my journey, I’ve received State Farm awards including Crystal Honor Agent, SVP Agent, Chairman Circle Agent, and Ambassador for Life. But to me, service goes beyond recognition. I’m involved in the community through organizations such as Habitat for Humanity, the Broward County School Business Partner Program, and the High School Mentor Program. I also enjoy speaking with local students about the importance of car insurance.

At the Janet Fernandez Agency, we serve customers across the state of Florida—with a strong focus on families relocating to South Florida. We proudly support communities including Fort Lauderdale, Cooper City, Davie, Weston, Pembroke Pines, Plantation, Sunrise, Tamarac, and Coral Springs.

We offer a full range of insurance products, including auto, home, business, life, and health—plus access to 96 additional products and services. For your convenience, we also provide complimentary notary and fax services. And our team is fluent in both English and Spanish to better serve our diverse customers.

Whether you’d like to reach us by phone, click, text, or by visiting our office, we’re here to help and provide a free quote for auto insurance or homeowners insurance. Exceptional service and making insurance understandable are at the heart of what we do. We’d be grateful for the opportunity to earn your business and show you why our reputation has been built over years of dedication. Come see how we put customer satisfaction first—because we make insurance easier to navigate, every step of the way.

Frequently Asked Questions (FAQ)

Q: How do I get car insurance quotes?

A: Getting car insurance quotes is simple—you can start online, over the phone, or by working with a local agent. Quotes are typically based on factors like your vehicle, driving history, and coverage preferences, helping you explore options that fit your needs. Serving Cooper City and the surrounding area, Janet can help answer your questions.

Q: How fast can I get car insurance?

A: In some cases, car insurance coverage can begin the same day you purchase a policy. The timing may vary depending on your situation. We can help you get coverage quickly when you need it. Have questions? Janet in Cooper City can walk you through your options.

Q: What kind of insurance do I need for a leased vehicle?

A: Leased vehicles typically require more coverage than the state minimums. In addition to liability insurance, leasing companies usually require comprehensive and collision coverage, and you may need to list the leasing company on your policy as an additional insured or loss payee. Janet works with Cooper City residents to find coverage that fits.

Q: What is renters insurance?

A: Renters insurance is a policy designed to help protect your personal belongings and provide liability coverage while you're renting a home or apartment. It focuses on your possessions and potential risks, rather than the building itself, which is typically covered by your landlord's policy. Connect with Janet for insurance guidance in Cooper City.

Q: What protections does home insurance usually provide?

A: Homeowners insurance can help protect your home, personal property, personal liability, and additional living expenses after a covered loss. In Cooper City, you can count on Janet for personalized service.

Q: How does life insurance work at a basic level?

A: Life insurance is designed to help provide financial support to your loved ones if something happens to you. It can help cover expenses like daily living costs, debts, or future needs, depending on the type of policy and coverage you choose. Janet serves Cooper City, FL and is happy to help with your insurance needs.