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HomeCondo Insurance AgentsFlorida › Winter Haven

Find Condo Insurance Agents Near You in Winter Haven, FL

Browse condo insurance agents serving Winter Haven, Florida. Updated 2026-07-14.

The top-rated condo insurance agent in Winter Haven, Florida is Rob Semans - State Farm Insurance Agent, rated 4.9 stars across 984 reviews. Other highly rated options include Team Barfield - Barfield Insurance, Jessica Cruz Phung - State Farm Insurance Agent, Acceptance Insurance. This directory lists 20 condo insurance agents serving Winter Haven.

Showing 20 condo insurance agents in Winter Haven, FLListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Rob Semans - State Farm Insurance Agent639 1st St S(863) 299-1274
2Team Barfield - Barfield Insurance141 5th St NW #302(863) 662-3134
3Jessica Cruz Phung - State Farm Insurance Agent1102 Cypress Gardens Blvd Unit G(863) 269-0066
4Acceptance Insurance910 Havendale Blvd NW #134(863) 733-7006
5Freeway Insurance1136 6th St NW(863) 733-7003
6Barfield Insurance & Financial Services Inc.110 Spirit Lake Rd Unit 5(863) 293-5400
7Joseph Bullington: Allstate Insurance1900 Havendale Blvd NW ste c(863) 299-6449
8Karen Bryan - State Farm Insurance Agent391 Ave A SW(863) 268-2800
9Ryan Gunkel - GEICO Insurance Agent5935 Cypress Gardens Blvd Suite 200(863) 269-4700
10Zinsmeister - Your Home, Boat & Auto Insurance Agency1211 6th St SE(863) 294-1034
RS
639 1st St S
Rob Semans - State Farm Insurance Agent
Condo Insurance Agent · Winter Haven, FL

Rob Semans - State Farm Insurance Agent serves the Winter Haven, Florida metro and surrounding Polk County area as a condo insurance agent. The company focuses on helping condominium owners secure appropriate coverage for their individual units and personal belongings. Policies typically address interior structural damage, liability protection, and loss of use in the event of a covered incident. The agency also handles special assessments coverage and can adjust deductibles to match board requirements.

TB
141 5th St NW #302
Team Barfield - Barfield Insurance
Condo Insurance Agent · Winter Haven, FL

Team Barfield - Barfield Insurance offers a range of condo insurance agency services tailored to property owners in Winter Haven, FL. It provides coverage consultations and assists with policy management to help maintain adequate protection for personal belongings and interior structures. The agency supports clients in reviewing plan details and adjusting coverage as needed. It services properties including single-family homes, apartments, retail spaces, and restaurants.

JC
1102 Cypress Gardens Blvd Unit G
Jessica Cruz Phung - State Farm Insurance Agent
Condo Insurance Agent · Winter Haven, FL

Homeowners, business owners, and property managers in the Winter Haven area find tailored condo insurance solutions through Jessica Cruz Phung - State Farm Insurance Agent. This agency helps clients assess coverage needs for personal property, liability, and shared building structures typically required by homeowners' associations. It also offers guidance on protecting individual units against common risks like water damage or theft. Beyond Winter Haven proper, the agency extends its condo insurance services to neighboring communities throughout eastern Polk County, including Lake Alfred and Haines City.

AI
910 Havendale Blvd NW #134
Acceptance Insurance
Condo Insurance Agent · Winter Haven, FL

Acceptance Insurance provides coverage options that address the distinction between a one-time policy purchase for a new condo, ensuring the unit is insured immediately at closing, and the recurring annual renewal that adjusts coverage for ongoing personal property and liability needs. As a Condo Insurance Agent serving Winter Haven, Florida, the company helps owners secure protection for interior fixtures, improvements, and personal belongings that fall outside a master policy’s scope. Service is offered on an as-needed basis, with clients requesting quotes or policy adjustments whenever their situation requires.

FI
1136 6th St NW
Freeway Insurance
Condo Insurance Agent · Winter Haven, FL

Freeway Insurance specializes in condo insurance policies tailored to the needs of unit owners in Winter Haven, Florida. Its general services include securing coverage for interior structures, personal belongings, and liability protection. The agent works with residents throughout the area to evaluate their specific risks and policy options. It helps clients prepare for seasonal concerns like Florida’s hurricane season, ensuring coverage addresses potential storm damage and temporary living expenses.

BI
110 Spirit Lake Rd Unit 5
Barfield Insurance & Financial Services Inc.
Condo Insurance Agent · Winter Haven, FL

Barfield Insurance & Financial Services Inc. serves Winter Haven and the surrounding communities in Polk County, handling specialized condo insurance policies for local unit owners. Such coverage typically protects interior structures, personal property, and liability that a master insurance policy does not cover. The company works closely with each client to review their specific condo association’s master policy and fill any gaps in personal coverage. To complete the job effectively, it compares quotes from multiple carriers and explains each policy’s deductibles and loss assessment provisions to the homeowner.

JB
1900 Havendale Blvd NW ste c
Joseph Bullington: Allstate Insurance
Condo Insurance Agent · Winter Haven, FL

For one-time service, a single policy is arranged for a set term, while recurring service involves annual renewals and ongoing adjustments. Joseph Bullington: Allstate Insurance in Winter Haven, FL helps customers choose coverage suited to their specific condominium needs and community association requirements. Typical policies address building elements within the unit and personal liability. Service runs on a scheduled basis when policies are due for annual renewal or upon a customer’s request after a change in circumstances.

KB
391 Ave A SW
Karen Bryan - State Farm Insurance Agent
Condo Insurance Agent · Winter Haven, FL

Specializing in condo insurance policies, this agency helps local condominium owners protect their units and personal belongings. It also provides renters insurance and life insurance services to residents throughout the Winter Haven area. The agency assists clients in navigating the specific requirements of condo association master policies. As hurricane season approaches each summer, it reviews windstorm coverage to help ensure proper protection against storm damage.

RG
5935 Cypress Gardens Blvd Suite 200
Ryan Gunkel - GEICO Insurance Agent
Condo Insurance Agent · Winter Haven, FL

As storm season approaches in Central Florida, many Winter Haven condominium owners seek to ensure their interior improvements and personal liability are adequately covered. Ryan Gunkel - GEICO Insurance Agent provides tailored condo insurance policies that address the specific gaps often left by a building’s master policy. With an office serving the local area, the agent helps residents understand loss assessment coverage for shared structures. The initial step involves a simple inspection of the condo unit to identify individual risks before a quote is prepared.

ZY
1211 6th St SE
Zinsmeister - Your Home, Boat & Auto Insurance Agency
Condo Insurance Agent · Winter Haven, FL

Located in Winter Haven, FL, Zinsmeister - Your Home, Boat & Auto Insurance Agency provides comprehensive insurance solutions, with a specialty in condo insurance for local residents. The agency works to protect condo owners and associations with tailored coverages that address common concerns in the area. Its services extend to safeguarding clients against potential property liabilities and personal property losses. Additionally, the agency serves the insurance needs of various commercial sectors, including offices, warehouses, and food service operations.

GI
5658 Cypress Gardens Blvd
GreatFlorida Insurance: Brock Schnabel
Condo Insurance Agent · Winter Haven, FL
(863) 594-2600
winterhaven.greatflorida.com
AI
3610 Havendale Blvd
American Insurance Inc
Condo Insurance Agent · Winter Haven, FL
(863) 965-2886
americaninsuranceinc.com
WC
1217 6th St SW
White Chip Insurance – Winter Haven
Condo Insurance Agent · Winter Haven, FL
(863) 342-6723
whitechipinsurance.com
CI
308 Ave G SW Suite 201
Clearvue Insurance Agency (Formerly Lorna Wilson Agency)
Condo Insurance Agent · Winter Haven, FL
(863) 866-8990
clearvueinsurance.com
GI
116 W Central Ave
Garland Insurance fka Victory Insurance
Condo Insurance Agent · Winter Haven, FL
(863) 683-9334
CI
3021 Cypress Gardens Rd
Cypress Insurance Management
Condo Insurance Agent · Winter Haven, FL
(863) 326-1885
cypressinsuranceonline.com
SI
3395 Cypress Gardens Rd
Sealy Insurance
Condo Insurance Agent · Winter Haven, FL
(863) 324-3100
CM
205 Ave G SW
Carroll-Marshall Insurance, Inc.
Condo Insurance Agent · Winter Haven, FL
(863) 293-1111
cminsure.com
DI
190 Avenue A NW
Dershimer Insurance Agency
Condo Insurance Agent · Winter Haven, FL
(863) 299-8330
dershimerinsurance.com
BI
150 3rd St SW Suite 203
Brightway Insurance, The Bailey and Associates Agency
Condo Insurance Agent · Winter Haven, FL
(863) 614-1300
brightwaybaileyandassociates.com

What Does a a Condo Insurance Agent in Winter Haven Cost?

Condo insurance in Florida typically costs between 300 and 800 dollars per year for an HO-6 policy, depending on coverage limits and location. Winter Haven rates may be lower than coastal areas but can increase with flood or windstorm endorsements. Deductibles for wind damage often range from 2 percent to 5 percent of the dwelling coverage. This is general information, not insurance advice.

About condo insurance agents in Winter Haven

Condo insurance agents in Winter Haven Florida help owners secure HO-6 policies that cover personal property and interior walls. Florida law requires condo associations to maintain a master policy, but owners need their own coverage for improvements and liability. Local agents understand Winter Haven flood zones and can guide you on windstorm deductibles required by Florida insurers.

Frequently Asked Questions

What does a condo insurance agent in Winter Haven do?

A condo insurance agent helps you choose an HO-6 policy that covers your personal belongings, interior fixtures, and liability. They also explain how your policy coordinates with the condo association master policy required under Florida Statute 718.111.

Do I need condo insurance if I live in a Winter Haven high-rise?

Yes, even in a high-rise you need an HO-6 policy. Florida law does not require owners to carry insurance, but your mortgage lender will. The policy covers your personal property and any upgrades inside your unit.

How does Florida windstorm insurance apply to condos in Winter Haven?

Florida requires windstorm coverage for properties in high-risk areas. Winter Haven is inland but still subject to hurricane-force winds. Your agent can help you add a separate windstorm deductible or include it in your HO-6 policy.

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each condo insurance agent's credentials and current standing with your state Department of Insurance.