The top-rated condo insurance agent in Palm Harbor, Florida is Coleman Insurance Agency, rated 4.9 stars across 414 reviews. Other highly rated options include Reliant Insurance Services, Lizette Cochran - State Farm Insurance Agent, AAA Palm Harbor. This directory lists 17 condo insurance agents serving Palm Harbor.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Coleman Insurance Agency | 4831 Ruen Dr Suite 200 | (727) 441-9911 |
| 2 | Reliant Insurance Services | 34921 US Hwy 19 N #201 | (727) 335-0335 |
| 3 | Lizette Cochran - State Farm Insurance Agent | 3031 E Lake Rd S | (727) 786-1082 |
| 4 | AAA Palm Harbor | 33227 US Hwy 19 N | (727) 789-7850 |
| 5 | Brightway Insurance, The Harrington Agency | 31962 US Hwy 19 N | (727) 789-2200 |
| 6 | Gregg Schindler - State Farm Insurance Agent | 2138 US-19 ALT #2-A | (727) 238-8800 |
| 7 | Pam Leonard-Williams - State Farm Insurance Agent | 1410 US-19 ALT C | (727) 785-0413 |
| 8 | Hawk Insurance Group | 31087 US Hwy 19 N | (727) 877-4295 |
| 9 | Whitco Insurance Agency Palm Harbor 👍 | 30832 US Hwy 19 N | (727) 781-5858 |
| 10 | Michael Tow: Allstate Insurance | 33920 US Hwy 19 N Ste 285 | (727) 789-3024 |
Coleman Insurance Agency serves Palm Harbor and the greater Pinellas County area, offering specialized condo insurance agent services. It helps unit owners secure proper coverage for their individual spaces and personal belongings. This includes protection against common risks like fire, water damage, and liability from accidents within a unit. The agency also advises clients on navigating master policy gaps to ensure adequate loss assessment coverage.
Reliant Insurance Services offers a full range of condo insurance coverage options tailored to property owners in Palm Harbor, FL. Its standard service plans include policy reviews to help ensure adequate protection for common condo exposures. Customizable maintenance plans can assist with tracking necessary updates and replacement cost schedules over time. The company regularly serves residential property types such as single-family homes and apartments, as well as commercial spaces including retail storefronts and local restaurants.
Lizette Cochran - State Farm Insurance Agent in Palm Harbor, FL serves homeowners, businesses, and property managers seeking condo insurance coverage. The company assists clients with policies that protect individual units, common areas, and personal belongings within condominium associations. It also offers guidance on liability protection and loss assessment coverage tailored to local building requirements. This agency additionally serves the surrounding communities of Dunedin and Clearwater, ensuring broader access to condo insurance solutions in the Tampa Bay metropolitan area.
AAA Palm Harbor serves Palm Harbor and the surrounding communities along Florida’s Gulf Coast, handling comprehensive condo insurance needs for local unit owners. Its policies cover interior structures, personal belongings, and liability protection within homeowners association master policies. The agency works with clients to evaluate their specific policy gaps and adjust coverage limits accordingly. To handle a typical job, it reviews several carrier options, compares deductibles and endorsements, and finalizes a tailored policy that aligns with the condo association’s master plan.
Brightway Insurance, The Harrington Agency in Palm Harbor, FL offers both one-time policy reviews for prospective buyers and ongoing service for existing condo owners. Their coverage guidance typically addresses standard risks like water damage and common area liability exposures unique to condominiums. The agency provides detailed explanations of deductible options and master policy gaps. Services for clients primarily run on a scheduled basis, with annual policy check-ins arranged to review coverage changes, while additional consultations are available on an as-needed basis throughout the year.
Gregg Schindler - State Farm Insurance Agent in Palm Harbor, Florida specializes in condo insurance policies, offering tailored coverage that protects individual units, personal belongings, and interior structures. The agency also assists clients with broader insurance needs such as auto, life, and renters policies. Serving the local community, it provides guidance on navigating the specific requirements of condo association master policies. With Florida’s unpredictable hurricane and storm seasons, the agency helps ensure customers have adequate windstorm and flood protection before the weather intensifies.
As Florida’s hurricane season brings strong winds and heavy rain, many Palm Harbor condo owners seek to review their dwelling coverage and personal property protection. Pam Leonard-Williams, a local State Farm Insurance agent, provides condo insurance policies tailored to individual unit owner needs, including loss assessment and liability options. She works closely with clients to explain policy terms and ensure adequate protection for their specific building and budget. A typical first step involves a detailed conversation to assess the condo association’s master policy and the owner’s personal assets.
Hawk Insurance Group specializes in creating tailored policies for property owners in and around Palm Harbor, FL, with a strong focus on condo insurance coverage. The agency advises clients on critical specialized endorsements, including loss assessment and water backup protection that standard policies often omit. Their team works closely with condominium associations and individual unit owners to address liability and contents exposures. Beyond residential condos, Hawk Insurance Group also serves commercial sectors such as offices, warehouses, and food service operations.
Michael Tow: Allstate Insurance serves the Palm Harbor area as a condo insurance agent. The agency assists condo owners with policies covering interior structures, personal property, and liability protection. They help clients understand what a master policy covers and identify gaps for personal unit coverage. A specialty service they can add on is scheduled personal property coverage for high-value items like jewelry or art.
What Does a a Condo Insurance Agent in Palm Harbor Cost?
Typical condo insurance costs in Palm Harbor Florida range from 300 to 800 dollars per year for a standard HO6 policy. Factors like your unit value, location near the coast, and chosen deductibles affect the price. Flood insurance is separate and may cost 500 to 1000 dollars annually depending on flood zone. This is general information and not insurance advice.
About condo insurance agents in Palm Harbor
Condo insurance agents in Palm Harbor Florida help you understand the unique coverage needs for your unit. Florida law requires condominium associations to maintain a master policy, but individual unit owners still need their own HO6 policy to cover personal property and interior improvements. A local agent can explain how the Florida Condominium Act affects your insurance responsibilities.
Frequently Asked Questions
What does a condo insurance agent in Palm Harbor do?
A condo insurance agent helps you select an HO6 policy that covers your personal belongings, interior walls, and liability. They also explain how your coverage coordinates with the association master policy required by Florida law.
Is condo insurance required in Palm Harbor Florida?
Yes, most condominium associations in Florida require unit owners to carry an HO6 policy. The Florida Condominium Act allows associations to set minimum coverage amounts in their governing documents.
How does Florida law affect my condo insurance?
Florida law requires associations to have a master policy for common areas. Your individual HO6 policy covers your unit interior and personal property. The Florida Condominium Act also sets rules for deductibles and loss assessments.
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