Expertise.com Homepage

2024

Last updated:

Best Homeowners Insurance Agencies in St. Petersburg, FL

Our Recommended Top 19

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored St. Petersburg Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

157Reviewed

101Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

6798 CROSSWINDS DR N #C108, St. Petersburg, FL 33710
WebsiteLicense: L088601

Expertise.com Rating

Review Sources

Google
4.6 (30)
Facebook
5.0 (25)
Yelp
3.0 (2)

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.

  • Renter's Insurance
  • Condos
  • Flood

1110 Pinellas Bayway S Ste 111, St Petersburg, FL 33715

Expertise.com Rating

Review Sources

Facebook
4.8 (55)
Google
4.7 (35)
Yelp
5.0 (1)

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.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

9241 North 56th Street, Temple Terrace, FL 33617

Expertise.com Rating

Review Sources

Facebook
5.0 (4)

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.

  • Multiple Policy Types
  • Personal Property Insurance

1801 16th Street North, St. Petersburg, FL 33704

Expertise.com Rating

Review Sources

Facebook
5.0 (42)
Google
4.6 (36)
Yelp
5.0 (1)

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.

  • Homeowners

11101 Roosevelt Blvd N, St. Petersburg, FL 33716
WebsiteLicense: W509420

Expertise.com Rating

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.

  • Renter's Insurance
  • Condos
  • Homeowners

1211 Tech Boulevard, Tampa, FL 33619

Expertise.com Rating

Review Sources

Google
4.9 (231)
Facebook
5.0 (3)

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.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

4563 Central Avenue, St. Petersburg, FL 33713
WebsiteLicense: L058117

Expertise.com Rating

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.

  • Renter's Insurance
  • Flood
  • Homeowners

2752 66th Street North, St. Petersburg, FL 33710
WebsiteLicense: E001339Full

Expertise.com Rating

Review Sources

Google
4.7 (78)
Facebook
4.6 (14)
Yelp
1.0 (1)

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.

  • Renter's Insurance
  • Fire
  • Homeowners

3499 4th Street North, St Petersburg, FL 33704
WebsiteLicense: A239099

Expertise.com Rating

Review Sources

Google
4.7 (112)
Facebook
5.0 (9)
Yelp
3.7 (3)

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.

  • Homeowners

6524 1st Ave N, St Petersburg, FL 33710
WebsiteLicense: L011735

Expertise.com Rating

Review Sources

Facebook
4.6 (12)
Google
4.3 (9)

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.

  • Multiple Policy Types

3021 W Swann Ave, Tampa, FL 33609

Expertise.com Rating

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.

  • Flood
  • Multiple Policy Types

8950 MLK Street N #107, St Petersburg, FL 33702
WebsiteLicense: L052311

Expertise.com Rating

Review Sources

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

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.

  • Multiple Policy Types

4763 Central Avenue, St Petersburg,, FL 33713
WebsiteLicense: L097344

Expertise.com Rating

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.

  • Personal Property Insurance

3443 1st Ave N, St. Petersburg, FL 33713
WebsiteLicense: L101803

Expertise.com Rating

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.

  • Renter's Insurance
  • Condos
  • Homeowners

6390 Park Blvd N, Pinellas Park, FL 33781

Expertise.com Rating

Review Sources

Google
4.5 (177)
Facebook
4.4 (21)

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.

  • Condos
  • Multiple Carriers
  • Personal Property Insurance

2100 5th Ave N, St Petersburg, FL 33713

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
5.0 (7)

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.

  • Renter's Insurance
  • Condos
  • Homeowners

10039 East Adamo Drive, Tampa, FL 33619

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

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.

  • Fire
  • Multiple Policy Types

4790 1st St N, St Petersburg, FL 33703

Expertise.com Rating

Review Sources

Google
4.9 (149)
Facebook
5.0 (28)
Yelp
5.0 (1)

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.

  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types

9810 North 56th Street, Temple Terrace, FL 33617

Expertise.com Rating

Review Sources

Google
4.3 (33)

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.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Academy Insurance Agency
6798 CROSSWINDS DR N #C108, St. Petersburg, FL 33710
Solutions Insurance
1110 Pinellas Bayway S Ste 111, St Petersburg, FL 33715
1st Auto and Home Insurance
9241 North 56th Street, Temple Terrace, FL 33617
Llewellyn Insurance Services
1801 16th Street North, St. Petersburg, FL 33704
Bankers Insurance Group
11101 Roosevelt Blvd N, St. Petersburg, FL 33716
Blankit Insurance Group
1211 Tech Boulevard, Tampa, FL 33619
Moore Resources
4563 Central Avenue, St. Petersburg, FL 33713
Anthony B. LoSchiavo
2752 66th Street North, St. Petersburg, FL 33710
Cathy Shadwick
3499 4th Street North, St Petersburg, FL 33704
Bentley DeNight
6524 1st Ave N, St Petersburg, FL 33710
Italiano Insurance Services, Inc.
3021 W Swann Ave, Tampa, FL 33609
TBIG Insurance
8950 MLK Street N #107, St Petersburg, FL 33702
The Starboard Insurance Group Inc
4763 Central Avenue, St Petersburg,, FL 33713
HH Insurance
3443 1st Ave N, St. Petersburg, FL 33713
Gator Auto Insurance Service
6390 Park Blvd N, Pinellas Park, FL 33781
James Insurance Solutions
2100 5th Ave N, St Petersburg, FL 33713
Roca Insurance
10039 East Adamo Drive, Tampa, FL 33619
NorthEast Underwriters
4790 1st St N, St Petersburg, FL 33703
Mark Wilson - State Farm Insurance Agent
9810 North 56th Street, Temple Terrace, FL 33617

FAQs

  • 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.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2024

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.