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Best Homeowners Insurance Agencies in Palm Coast

2024

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Website
Palm Coast, FL
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

David Barnette Insurance Inc. is an independently owned and operated insurance agency in Palm Coast. Agent David Barnette is an experienced broker who represents top carriers such as Mercury Insurance, Nationwide, Progressive, and Travelers. He's committed to helping his clients find the best deal on their homeowners' insurance policies, as well as on other personal and commercial lines. David Barnette Insurance Inc. offers bundling options for those who require more than one type of insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2 Pine Lakes Parkway North, Palm Coast, FL 32137
  • Multiple Policy Types

Why choose this provider?

Coastal Palm Insurance Agency is an insurance brokerage approaching several carriers to present multiple coverages that can address every individual's insurance needs in Palm Coast. The company offers a wide range of personal insurance protection ranging from auto, condo, mobile homes, homeowners, renters, and rental property. Clients can also apply for additional protection for their valuable items and even their pets. Disasters and personal liability coverages are included under the homeowners' insurance policy, as well.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (98)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
50 Leanni Way, Palm Coast, FL 32137
  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Condos

Why choose this provider?

Koch Insurance Agency, Inc., protects homeowners and their assets in Palm Coast and the surrounding neighborhoods. The homeowners' insurance agency secures the client when suffering from losses and damages by covered causes such as fires and strong winds. It also has coverages for damages caused by theft, which pays for the repair of the property or the reimbursement of lost contents such as jewelry, art, and special collections. Koch Insurance Agency also safeguards a clients' home-operated business.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (37)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
160 Cypress Point Parkway, Palm Coast, FL 32164
  • Personal Property Insurance
  • Multiple Policy Types
  • Renter's Insurance
  • Flood

Why choose this provider?

James Cimorelli - GreatFlorida Insurance is an insurance agency that services the Palm Coast metro and surrounding areas. Insurance agent James Cimorelli offers clients insurance solutions for auto, home, and business needs. He also offers a comprehensive homeowners' insurance policy that protects homes, homeowners, and personal belongings from hurricanes, burglaries, and other types of damages or losses. The agency is committed to delivering personalized insurance plans for each client based on their budget and the coverage they need.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (42)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
7807 Baymeadows Road East, Jacksonville, FL 32256
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

The Della Porta Group Inc. is an insurance agency that's located near Palm Coast. Its agents represent a variety of carriers and work directly with homeowners to help them determine what types of coverage they need and how much. In addition to home insurance, this company also offers life, health, business, and auto insurance, as well as annuities. Carriers it works with include Safeco Insurance, American Integrity Insurance Group, and Liberty Mutual.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (33)
Facebook
4.7 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
21 Old Kings Road, Palm Coast, FL 32137
  • Fire
  • Multiple Policy Types

Why choose this provider?

Heart of Florida Insurance Group offers coverage for those living in and nearby Palm Coast. The company helps homeowners prepare for unexpected expenses caused by fires, tornadoes, and burglary. Its agents talk with clients to help them process and file claims for faster compensation. It also provides assessments and reviews of each claim to help homeowners stay informed on its status. The company works with known and tenured providers, such as The Hartford, Allstate, and Travellers Insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (45)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1 Florida Park Drive South, Palm Coast, FL 32137
  • Multiple Policy Types

Why choose this provider?

First Florida Insurance has several locations, one of which serves the Palm Coast community. The agency has been in the business since 1995 and offers a wide range of insurance policies to serve different needs. It offers homeowners' insurance and customizes policies for clients depending on their needs. The company is providing coverage for condos, mobile homes, and even renters' insurance. First Florida Insurance offers insurance policies from Gulfstream, Bankers Insurance Group, Prepared Insurance Company, and People's Trust.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.8 / 5 (34)
Facebook
3.7 / 5 (3)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5182 North Oceanshore Boulevard, Palm Coast, FL 32137
  • Multiple Policy Types

Why choose this provider?

The Integrity Insurance Group is an insurance agency based in Palm Coast. The agency offers a wide range of personal and business insurance products, including homeowners' insurance. Its homeowners' insurance policy ensures the properties of its clients are property and efficiently covered. The insurance agents of the Integrity Insurance Group will review the existing insurance policy of its clients and discuss any missing important coverages that they should include in their policy.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (73)
Facebook
5.0 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Palm Coast, FL
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Zellner Insurance is a homeowners insurance agency that has been supporting communities in the Palm Coast area since 1921. In its century of operation, the agency has become a trusted choice for both personal and commercial insurance clients looking to protect both their homes and other assets. It is committed to connecting customers with the best policies and is deeply involved in supporting the local community, having founded the Zellner Foundation for Military Vets out of an employee fundraiser in 2018.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (37)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4845 Belle Terre Parkway, Palm Coast, FL 32164
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

East Coast Insurors Inc. is an independent insurance agency that has been servicing the insurance needs of clients through its Palm Coast and East Coast offices. Its homeowners' insurance policy protects its clients financially against unforeseen disasters. The standard coverage of the insurance includes the home and its contents. The insurance can cover most disasters with a few exceptions, including earthquakes and floods. Additionally, homeowners' insurance protects the clients from liabilities in case someone is injured on their properties.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (13)
Facebook
5.0 / 5 (6)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Palm Coast, FL
  • Flood
  • Multiple Policy Types

Why choose this provider?

Kelly White & Associates Insurance provides home, auto, and other personal insurance products for clients in Palm Coast. This agency features a team of independent brokers who represent a variety of top insurance carriers. These brokers strive to help clients obtain policies that are well-suited to their needs at the best possible rates. Founder Kelly White has been working in the insurance industry for more than 30 years and has extensive experience with the claims process.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Do you have to inform your homeowners' insurance provider when you make home improvements in Palm Coast?

    Minor home improvement projects may not require you to inform your insurance provider in Palm Coast. However, if an unforeseen event happens during home improvements, the insurance company might impose extra charges to address the situation or even reject the claim entirely. It is recommended to consult your insurance company before starting renovation projects to determine whether additional coverage is required.

  • Can you remove personal property coverage from your homeowners’ insurance policy in Palm Coast?

    Yes, you have the option to remove the coverage that protects your personal belongings from your homeowners' insurance policy in Palm Coast, according to state law. However, this choice does not apply if you are a condo unit owner or a renter. If you decide to proceed with this exclusion, you must include a handwritten statement, as required by law, along with the signatures and dates of all policyholders mentioned in the policy.

  • What is covered under a homeowners’ personal liability policy in Palm Coast?

    In Palm Coast, the personal liability part of homeowners' insurance shields your assets against damages resulting from your responsibility for bodily injury or property damage, including legal costs and judgments. This applies to family members at home or away and includes cases like dog-related injuries, tree damage to neighbors, employee injuries and damages caused by them, guest injuries due to accident or negligence, damage to other’s property, and harm by intoxicated guests.

  • Are sinkholes covered by homeowners' insurance in Palm Coast?

    In Palm Coast, not all insurance policies cover damage caused by sinkholes. However, Florida law mandates that insurance companies must offer coverage for extreme cases where the ground collapses catastrophically. This coverage availability is influenced by the geological conditions under your home. If there is evidence of sinkhole activity nearby, insurers might not provide the coverage. However, if your home can be insured despite its location, the policy has to include protection against catastrophic ground cover collapse.

  • Can you transfer your homeowners' insurance when selling your Palm Coast property?

    No. When you sell your property in Palm Coast, you cannot transfer your existing homeowners' insurance to the new owner. Homeowners' insurance policies are typically tied to the specific owner and property. Each new property owner needs to purchase their own homeowners' insurance policy to ensure they have coverage for the property and their belongings.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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