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Best Homeowners Insurance Agencies in St. Petersburg

2024

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Providers

Last updated:

Website
6798 CROSSWINDS DR N #C108, St. Petersburg, FL 33710
  • Renter's Insurance
  • Condos
  • Flood
  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Academy Insurance Agency is a personal and commercial line insurance agency that covers clients in St. Petersburg. It was established in 2005 by Rose Wainwright, a 45-year veteran of the insurance industry. She and her team of agents provide homeowners' insurance policies for tenants, owners, and real estate buyers. They can compare the quotes and annual rates of policies from over 55 different insurance carriers. They can also process all billings and claims to these carriers, such as Progressive and Homeowners Choice.

License Verified:

License: L088601

Florida Division of Insurance Agent and Agency Services

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
4.6 / 5 (30)
Facebook
5.0 / 5 (25)
Yelp
3.0 / 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
1110 Pinellas Bayway S Ste 111, St Petersburg, FL 33715
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Solutions Insurance is a full-service, family-owned and operated independent insurance agency serving Florida with homeowners insurance shopped from dozens of carriers including Progressive, Edison, Frontline Insurance, and Florida Penninsula. The agency offers policies ranging from minimum required dwelling, personal property, and liability coverage to comprehensive insurance plans featuring flood and theft protection. The company also offers renters, condo, auto, motorhome, and RV insurance. Solutions Insurance is a member of the Trusted Choice Independent Insurance Agents and USAAB.

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
Facebook
4.8 / 5 (55)
Google
4.7 / 5 (35)
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
4763 Central Avenue, St Petersburg,, FL 33713
  • Personal Property Insurance

Why choose this provider?

The Starboard Insurance Group Inc. is an independent agency that serves St. Petersburg. It offers a wide selection of products for individuals and families, such as homeowners', condo, auto, boat, and flood insurance. Its homeowners' insurance policy protects the client's property and belongings against damages and theft. The business also connects clients with commercial coverage, including general liability, builders risk, and business owners' policy. It represents an extensive network of carriers, such as Cigna, Travelers, Avatar, Allianz, and Berkshire Hathaway.

License Verified:

License: L097344

Florida Division of Insurance Agent and Agency Services

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

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
11101 Roosevelt Blvd N, St. Petersburg, FL 33716
  • Renter's Insurance
  • Condos
  • Homeowners
  • Landlords

Why choose this provider?

Bankers Insurance Group has been serving the St. Petersburg area for over 40 years. The company offers homeowners', renters', condos, landlords, and residential flood insurance. The policies aim to help protect clients' properties and keep their assets secure from damages caused by earthquakes and hurricanes. Its homeowners' insurance policy also covers clients against personal and animal liability, loss of use, and identity fraud. Bankers Insurance Group also serves the needs of commercial clients through builder's risk and business owners' insurance coverage.

License Verified:

License: W509420

Florida Division of Insurance Agent and Agency Services

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.
4.0

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
3499 4th Street North, St Petersburg, FL 33704
  • Homeowners

Why choose this provider?

Cathy Shadwick is an insurance agent at State Farm that serves individuals and businesses throughout the community of St. Petersburg. For more than 30 years, she has been assisting and helping customers in a wide variety of insurance products, including health, homeowners', auto, business, and life insurance. Her affiliation, State Farm, is an independent insurance agency composed of agents with a collective industry experience of over 100 years. It also supports various charities and local non-profit organizations, such as The Free Clinic and CASA.

License Verified:

License: A239099

Florida Division of Insurance Agent and Agency Services

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 (112)
Facebook
5.0 / 5 (9)
Yelp
3.7 / 5 (3)

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
6524 1st Ave N, St Petersburg, FL 33710
  • Multiple Policy Types

Why choose this provider?

Based in St. Petersburg, Bentley DeNight is an independent insurance agency serving clients throughout Florida's Sun Coast counties. It offers auto, property, commercial, and flood insurance for individuals and businesses. Its property insurance policies cover both homeowners and renters. It also protects various types of dwellings, such as condos, mobile homes, and coastal properties. With nearly two decades of operation, Bentley DeNight has established a broad roster of insurance carriers, including Citizens, Lloyd's, Progressive, and Safeco.

License Verified:

License: L011735

Florida Division of Insurance Agent and Agency Services

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
Facebook
4.6 / 5 (12)
Google
4.3 / 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

Website
2100 5th Ave N, St Petersburg, FL 33713
  • Renter's Insurance
  • Condos
  • Homeowners

Why choose this provider?

James Insurance Solutions is a multi-line agency that serves individuals and businesses in St. Petersburg and the neighboring communities. It provides several types of personal insurance options, including homeowners' insurance. It also offers wind, flood, motorcycle, inland marine, automobile, umbrella, and renters' insurance plans. The agency customizes business owners' and property, general liability, workers' compensation, and event insurance. Medicare Part A, B, C, and D plans are available. It has partnered with several insurance carriers, such as Foremost, Homeowners Choice, and Progressive.

License Verified:

Florida Division of Insurance Agent and Agency Services

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 (11)
Google
5.0 / 5 (7)

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
10039 East Adamo Drive, Tampa, FL 33619
  • Fire
  • Multiple Policy Types

Why choose this provider?

Roca Insurance is an independent agency that's been providing insurance services to clients in St. Petersburg and its surrounding areas since 1995. Through its licensed agents, it offers several types of home insurance policies, including homeowners' and renters' plans. The company's home insurance products include fire, burglary, property liability, and condominium policies as well as new construction and older home insurance programs. Roca Insurance also offers automobile insurance along with coverage plans for businesses.

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
4790 1st St N, St Petersburg, FL 33703
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Founded in 1962, Northeast Underwriters is an independent insurance agency located in Saint Petersburg, Florida. Home coverage specialists work with several A-rated carriers to offer clients the right policy to repair, replace, or rebuild their homes following a valid claim. Most plans cover the dwelling, personal items, such as furniture, clothing, and electronics, personal liability, medical payments, and loss of use from windstorms, hail, lightning, fire, theft, and vandalism. The company also provides auto and business 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.
4.9
Google
4.9 / 5 (149)
Facebook
5.0 / 5 (28)
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
2752 66th Street North, St. Petersburg, FL 33710
  • Renter's Insurance
  • Fire
  • Homeowners

Why choose this provider?

Anthony B. LoSchiavo is a GreatFlorida Insurance agent that serves clients in the St. Petersburg metro and nearby areas. LoSchiavo offers homeowners' insurance products and guides clients through various coverage types, including medical expenses, liability, and dwelling coverage. He carries other personal insurance solutions, like boat, auto, and motorcycle insurance. LoSchiavo also provides commercial insurance services, and clients can opt for umbrella and business insurance options. He has over 13 years of insurance experience.

License Verified:

License: E001339Full

Florida Division of Insurance Agent and Agency Services

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 (78)
Facebook
4.6 / 5 (14)
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
1801 16th Street North, St. Petersburg, FL 33704
  • Homeowners

Why choose this provider?

Llewellyn Insurance Services caters to clients in St. Petersburg and the surrounding areas. It specializes in helping individuals protect their residential properties by providing homeowners' insurance products. It also carries various property insurance policies, including flood, condo, vacant dwelling, wind and hail, renters, and umbrella insurance. Other products include business, vehicle, and life insurance. Llewellyn Insurance Services is an independent insurance company that has been in the industry since 1990.

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
Facebook
5.0 / 5 (42)
Google
4.6 / 5 (36)
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
9810 North 56th Street, Temple Terrace, FL 33617
  • Multiple Policy Types

Why choose this provider?

Mark Wilson is an insurance agent with State Farm Insurance serving the residents of St. Petersburg and the surrounding areas. The agent has over 30 years of experience in the field, and he sells insurance packages for homeowners that protects the client's home in the event of natural disasters and vandalism. The policies also reimburse clients for stolen and damaged belongings in the home. Additionally, Wilson offers auto and business 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.
4.3
Google
4.3 / 5 (33)

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
3021 W Swann Ave, Tampa, FL 33609
  • Flood
  • Multiple Policy Types

Why choose this provider?

Italiano Insurance Services Inc. is an independently owned and operated insurance agency that has been serving the St. Petersburg community for over 60 years. The company offers homeowners insurance plans that protect the home in the event of hurricanes, sinkholes, and fires. Its packages also cover the contents of the home that may be damaged or stolen. Additionally, Italiano Insurance Services Inc. sells insurance policies to cover clients' businesses and automobiles.

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

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
9241 North 56th Street, Temple Terrace, FL 33617
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

1st Auto and Home Insurance is an insurance company that was established in 1996 to serve clients in St. Petersburg and surrounding areas. Staffed with licensed and experienced agents and brokers, it provides home insurance solutions that protect residential property owners from financial risks resulting from weather-related property damage. Its insurance sales team also provides quality automobile insurance services that can help clients foot auto repair costs and medical expenses following car collisions.

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 (4)

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
8950 MLK Street N #107, St Petersburg, FL 33702
  • Multiple Policy Types

Why choose this provider?

TBIG Insurance is an independent agency that has been serving St. Petersburg for more than 50 years. It offers home insurance that aims to help clients keep their real estate property and belongings protected in the event of an unexpected accident. This policy covers the repair and replacement expenses of damaged items. Policyholders can also acquire liability insurance if someone has suffered injuries in their properties. TBIG Insurance represents various carriers, including Heritage, Progressive, Nationwide, and Mercury.

License Verified:

License: L052311

Florida Division of Insurance Agent and Agency Services

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
Facebook
5.0 / 5 (24)
Google
3.8 / 5 (13)
Yelp
3.7 / 5 (3)

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
3443 1st Ave N, St. Petersburg, FL 33713
  • Renter's Insurance
  • Condos
  • Homeowners

Why choose this provider?

HH Insurance offers personal and business insurance coverage to clients in St. Petersburg. The company's professionals have over 200 years of combined experience, providing policies tailored to their needs. It offers a wide selection of products, including homeowners', life, and motorcycle insurance, in addition to valuable items and umbrella coverage. The company's homeowners' policy covers residential properties, waterfront condos, downtown apartments, and mobile homes. HH Insurance also has options for general liability, workers' compensation, and business owners' policy for its commercial clients.

License Verified:

License: L101803

Florida Division of Insurance Agent and Agency Services

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

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
1211 Tech Boulevard, Tampa, FL 33619
  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Fire
  • Condos

Why choose this provider?

Blankit Insurance Group is a personal and business insurance agency working with the residents of St. Petersburg and the surrounding communities. The agency sells homeowners insurance packages that reimburse the policyholder for repairs for damage done by wind, fire and smoke, and water. Its policies also protect valuable items inside and outside of clients' homes, including fine art and jewelry. Additionally, Blankit Insurance Group offers auto, umbrella, and renters 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.
4.9
Google
4.9 / 5 (231)
Facebook
5.0 / 5 (3)

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
4563 Central Avenue, St. Petersburg, FL 33713
  • Renter's Insurance
  • Flood
  • Homeowners

Why choose this provider?

Moore Resources is a multi-line insurance agency based in St. Petersburg. It offers both personal and commercial policies, ranging from homeowners' insurance to general liability insurance. The agency's staff assesses the clients' financial needs and designs coverage plans, utilizing various carriers that meet their requirements. Moore Resources and its staff have helped different local businesses acquire insurance, including Tom White Painting and Restoration, Clean Streak Pressure Washing, and Bridgewater Commercial Real Estate.

License Verified:

License: L058117

Florida Division of Insurance Agent and Agency Services

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

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
6390 Park Blvd N, Pinellas Park, FL 33781
  • Condos
  • Multiple Carriers
  • Personal Property Insurance
  • Homeowners

Why choose this provider?

Gator Auto Insurance Service is a Pinellas Park insurance agency that sells home insurance in the Tampa Bay area. With over 20 years of experience, the company offers home insurance for both old and new homes, manufactured homes, condos, and mobile homes. The company also provides coverage for businesses, automobiles, boats, recreational vehicles, motorcycles, and jet skis. Gator Auto Insurance Service offers comprehensive policies with reliable customer service and knowledgeable staff.

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
4.5 / 5 (177)
Facebook
4.4 / 5 (21)

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
––

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 are covered under homeowners’ insurance policies in St. Petersburg?

    A homeowners’ insurance policy in St. Petersburg covers the cost of rebuilding or repairing the house and other structures within the property, like a detached garage. It also provides for additional living expenses when the house becomes uninhabitable. Additionally, most homeowners’ insurance policies offer personal liability coverage. This coverage can be used to pay for medical expenses or property damage if a guest gets injured on the property.

  • Is it worth it to add sinkhole coverage to your homeowners’ insurance in St. Petersburg?

    It is ideal that your homeowner’s insurance policy comes with sinkhole coverage if you live in St. Petersburg. The city is located in Florida’s Sinkhole Alley, which experiences frequent sinkhole activity, resulting in structural damage in your home and even complete collapse. Your sinkhole coverage can fund expensive repairs for foundation cracks, land stabilization, floor displacement, and wall buckling. These repairs can cost over $10,000.

  • What is the difference between actual cash value and replacement cost when insuring personal property inside your St. Petersburg home?

    When you buy a homeowners' insurance policy and choose to insure your personal property on actual cash value, the insurance company will compensate you for the depreciated value of a damaged item in St. Petersburg. This is comparable to receiving a second-hand price for a 10-year-old television, as it is already used. Meanwhile, if you insure your property on replacement value, the insurer will pay the cost of a brand-new TV to replace a damaged television.

  • How much do homeowners’ insurance policies in St. Petersburg cost on average?

    For houses in St. Petersburg valued at no more than $150,000, the average annual cost of homeowners’ insurance is $3,090. If your home’s value is within $300,000 to $450,000, expect to pay $5,340 to $7,065 for your insurance yearly. Due to the city's susceptibility to sinkholes and hurricanes, insurance premiums are marginally higher than in other areas of Florida. The statewide annual average cost of homeowners’ insurance is only $2,533.

  • Should you obtain new homeowners' insurance if you decide to rent out your St. Petersburg home?

    Yes, but you need to get dwelling property insurance, a.k.a. DP3, instead of another homeowners’ insurance. A DP3 insurance policy differs from a homeowners’ insurance plan in two ways: it limits personal property coverage only to items in the house that are yours, and it will provide you with funds in case of rental income loss. This type of policy is recommended for both long- and short-term rentals in St. Petersburg, including Airbnb and Vrbo.

  • 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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