Insurance Services
Personal, family and business coverage available to residents and businesses in St. Petersburg, Pinellas County and the Tampa Bay area.
Auto Insurance
Florida requires Personal Injury Protection (PIP) and Property Damage Liability. We help you compare those minimums with options such as bodily injury liability, uninsured motorist, collision and comprehensive.
- Personal Injury Protection (PIP) and property damage liability
- Bodily injury, uninsured/underinsured motorist coverage
- Collision, comprehensive, rental and roadside options
- New Florida residents, young drivers and multi-car households
Homeowners Insurance
Protect your house, belongings and liability exposure. Florida homes face unique risks, so we review dwelling limits, roof age and condition, deductibles and wind coverage with you.
- Dwelling, other structures, personal property and loss of use
- Personal liability and medical payments
- Hurricane and windstorm deductibles explained
- Wind-mitigation inspection guidance for possible premium credits
Flood Insurance
Standard homeowners policies generally exclude flood damage. In coastal Pinellas County, flood coverage is an important conversation, whether or not your lender requires it.
- National Flood Insurance Program (NFIP) and private flood options
- Building and contents coverage
- Flood zone and elevation review
- Waiting-period and renewal reminders
Condo & Renters Insurance
Many St. Petersburg residents live in condominiums and apartments. We help you coordinate your policy with your association's master policy and your lease requirements.
- Condo unit-owner (HO-6) coverage, including loss assessment
- Renters coverage for belongings and liability
- Additional living expense coverage
- Landlord and lender proof-of-insurance support
Landlord & Dwelling Fire
For owners of rental houses, duplexes and seasonal properties, we explain coverage for the building, rental income and landlord liability.
- Dwelling fire and landlord package policies
- Loss of rental income
- Vacant and seasonal property considerations
- Liability protection for rental owners
Umbrella & Personal Liability
An umbrella policy adds an extra layer of liability protection above your home, auto and watercraft policies.
- Higher liability limits over underlying policies
- Coverage for certain claims beyond standard limits
- Review of underlying policy requirements
Boat, Motorcycle & Recreational Vehicles
Tampa Bay is boating country. We help owners of boats, jet skis, motorcycles, golf carts and RVs find coverage that fits how they use them.
- Boat and personal watercraft insurance
- Motorcycle, scooter and ATV coverage
- RV and golf-cart coverage
- Trailer and equipment coverage
Life Insurance
Life insurance can help protect the people who depend on you. We explain the difference between term and permanent options so you can choose with confidence.
- Term life insurance
- Whole and universal life options
- Final expense and burial coverage
- Coverage-amount and beneficiary review
Health, Medicare & Supplemental
We provide guidance on health coverage options and supplemental protection, subject to carrier availability and enrollment periods.
- ACA Marketplace plan guidance
- Medicare Supplement and Medicare Advantage education
- Dental, vision and supplemental plans
- Accident, critical illness and hospital indemnity options
Small Business & Commercial Insurance
From sole proprietors to growing local firms, we help organize the coverage your business needs to operate and meet contract requirements.
- General liability and business owner's policies (BOP)
- Commercial property and commercial auto
- Workers' compensation coverage guidance
- Professional liability (E&O) and cyber liability
- Certificates of insurance support