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Best Homeowners Insurance Agencies in Palm Coast

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Coastal Palm Insurance Agency logo
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Coastal Palm Insurance Agency

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

Business Description

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
Conser Insurance Palm Coast logo
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Conser Insurance Palm Coast

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

Business Description

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
David Barnette Insurance, Inc. logo
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David Barnette Insurance, Inc.

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

Business Description

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
East Coast Insurors Inc. logo
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East Coast Insurors Inc.

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

Business Description

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)

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
First Florida Insurance logo
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First Florida Insurance

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

Business Description

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
Integrity Insurance Group logo
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Integrity Insurance Group

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

Business Description

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
James Cimorelli - GreatFlorida Insurance logo
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James Cimorelli - GreatFlorida Insurance

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

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Kelly White & Associates Insurance logo
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Kelly White & Associates Insurance

Palm Coast, FL
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  • Flood
  • Multiple Policy Types

Business Description

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
Koch Insurance Agency, Inc. logo
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Koch Insurance Agency, Inc.

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

Business Description

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
The Della Porta Group, Inc. logo
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The Della Porta Group, Inc.

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

Business Description

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.
4.8
Google
4.8 / 5 (34)
Facebook
4.6 / 5 (10)

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
Zellner Insurance Agency logo
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Zellner Insurance Agency

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

Business Description

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.
4.5
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
Back to Providers

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.

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.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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