ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.
HomeHome Insurance AgentsFlorida › Punta Gorda

Find Home Insurance Agents Near You in Punta Gorda, FL

Browse home insurance agents serving Punta Gorda, Florida. Updated 2026-07-14.

The top-rated home insurance agent in Punta Gorda, Florida is Chapman Insurance Group, rated 4.9 stars across 260 reviews. Other highly rated options include Whitco Insurance: Alexia Martin Agency, Karen Cloutier Allstate, Kassie Graddy Lancaster: Allstate Insurance. This directory lists 17 home insurance agents serving Punta Gorda.

Showing 17 home insurance agents in Punta Gorda, FLListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Chapman Insurance Group517 S Tamiami Trl(941) 347-4707
2Whitco Insurance: Alexia Martin Agency25191 E Olympia Ave Suite 2(941) 257-0692
3Karen Cloutier Allstate29291 Tribune Blvd UNIT 4(239) 984-0185
4Kassie Graddy Lancaster: Allstate Insurance2825 S Tamiami Trl ste c(941) 637-1366
53rd Generation Home & Car Insurance - Punta Gorda223 Taylor St Suite 221 B(239) 225-9026
6GreatFlorida Insurance: Jason Venditti208 S Tamiami Trl #112(941) 655-8170
7Jones Family Insurance Agency312 Mary St(941) 205-0191
8Kathy Nash - State Farm Insurance Agent3941 S Tamiami Trl #3159(941) 637-6001
9Mike Martin - State Farm Insurance Agent425 Cross St UNIT 114(941) 505-2550
10Time Insurance & Payroll115 W Olympia Ave(941) 637-1106
CI
517 S Tamiami Trl
Chapman Insurance Group
Home Insurance Agent · Punta Gorda, FL

Chapman Insurance Group serves the Punta Gorda, Florida, area as a local provider of home insurance agent services. The team works with clients to secure coverage that protects residential property against common regional risks. Windstorm protection, flood insurance, and general homeowners policies are among the options handled. Offering guidance on policy selection, the agency assists residents in the greater Punta Gorda community with navigating available plans. Claims assistance and routine policy reviews represent specific services managed by this office.

WI
25191 E Olympia Ave Suite 2
Whitco Insurance: Alexia Martin Agency
Home Insurance Agent · Punta Gorda, FL

Whitco Insurance: Alexia Martin Agency serves Punta Gorda and Charlotte County as a local home insurance agent. The agency helps homeowners navigate coverage options for single-family residences and condominiums throughout the area. It assists clients in evaluating policies that protect against common regional weather-related risks. Policyholders can receive guidance on dwelling coverage, personal property protection, and liability insurance. The agency also handles flood insurance placements and windstorm coverage for properties in this Southwest Florida community.

KC
29291 Tribune Blvd UNIT 4
Karen Cloutier Allstate
Home Insurance Agent · Punta Gorda, FL

Karen Cloutier Allstate serves homeowners, property managers, and small business owners in Punta Gorda, Florida, by providing home insurance policies that protect against local risks such as tropical storms and flooding. The agency helps clients customize coverage to safeguard their homes and personal belongings. It also assists with bundling policies for additional convenience. Residents of Charlotte County and neighboring communities like Port Charlotte can access the same personalized guidance and local expertise from this agency as well.

KG
2825 S Tamiami Trl ste c
Kassie Graddy Lancaster: Allstate Insurance
Home Insurance Agent · Punta Gorda, FL

Kassie Graddy Lancaster: Allstate Insurance offers a range of property coverage services, including policies for homeowners, renters, and condos in the Punta Gorda area. Standard service plans include annual policy reviews and claims assistance to help clients adjust coverage as their insurance needs change over time. The agency services a variety of properties, from single-family homes and apartment complexes to local retail shops and restaurants.

3G
223 Taylor St Suite 221 B
3rd Generation Home & Car Insurance - Punta Gorda
Home Insurance Agent · Punta Gorda, FL

3rd Generation Home & Car Insurance - Punta Gorda offers personalized coverage for homeowners and auto policies. Its agents help local residents select appropriate insurance plans tailored to individual needs. The company provides standard services including policy reviews, claims assistance, and coverage updates, ensuring that clients in Punta Gorda, FL maintain adequate protection for their properties and vehicles. During hurricane season, the agency assists homeowners in reviewing their windstorm and flood policies to prepare for potential storm damage.

GI
208 S Tamiami Trl #112
GreatFlorida Insurance: Jason Venditti
Home Insurance Agent · Punta Gorda, FL

With storm season approaching in Punta Gorda, securing reliable home coverage becomes a priority for local homeowners. GreatFlorida Insurance: Jason Venditti helps residents protect their properties by offering tailored home insurance agent services to meet individual needs. The company reviews existing policies and explores coverage options that align with a homeowner’s specific situation and property type. An initial risk assessment of the home is typically scheduled to begin the process of finding appropriate protection.

JF
312 Mary St
Jones Family Insurance Agency
Home Insurance Agent · Punta Gorda, FL

For home insurance coverage, clients choose either a one-time policy review or scheduled annual consultations to reassess needs as property values and local risks shift. Jones Family Insurance Agency in Punta Gorda, FL helps homeowners compare standard policies against options tailored for Florida’s storm exposures, including wind and flood protections. Service runs on an as-needed basis, allowing policyholders to request renewals, mid-term adjustments, or claims guidance at any point during their coverage period.

KN
3941 S Tamiami Trl #3159
Kathy Nash - State Farm Insurance Agent
Home Insurance Agent · Punta Gorda, FL

Kathy Nash - State Farm Insurance Agent serves Punta Gorda and the surrounding communities of Charlotte County, offering home insurance policies for local homeowners. It handles standard coverage for dwellings, personal property, and liability protection against common regional risks such as storms and fire. For a typical job, the agent assesses a client’s property and individual needs to tailor a policy that balances adequate protection with an appropriate deductible.

MM
425 Cross St UNIT 114
Mike Martin - State Farm Insurance Agent
Home Insurance Agent · Punta Gorda, FL

Mike Martin - State Farm Insurance Agent in Punta Gorda, Florida, provides residential homeowners insurance to protect local properties. Commercial coverage is also available for area businesses, with service extending throughout the surrounding community. As a home insurance agent, the office helps clients assess coverage needs for standard perils like wind and fire. The agency emphasizes follow-up service between regular visits, ensuring policies are reviewed and adjusted as customer circumstances change.

TI
115 W Olympia Ave
Time Insurance & Payroll
Home Insurance Agent · Punta Gorda, FL

Time Insurance & Payroll helps property owners in Punta Gorda, FL, secure coverage for their homes and personal belongings. The agency specializes in adding endorsements for windstorm, flood, and sinkhole protection, given the region’s exposure to severe weather and geological risks. Homeowners can also request riders for valuable items like jewelry or electronics. Commercial clients may be served for offices, warehouses, and food service operations.

FI
2705 S Tamiami Trl Unit 111
Flechsig Insurance Agency
Home Insurance Agent · Punta Gorda, FL
(941) 639-5855
pginsure.com
DI
353 Mary St
Dynamic Insurance Agency, LLC
Home Insurance Agent · Punta Gorda, FL
(941) 205-5900
dynamicinsurance.com
GI
24630 Sandhill Blvd Unit 305
GreatFlorida Insurance: Darlene Antinori
Home Insurance Agent · Punta Gorda, FL
(941) 764-7992
puntagorda.greatflorida.com
NF
100 Madrid Blvd #111
Nolan Family Insurance
Home Insurance Agent · Punta Gorda, FL
(941) 639-1122
nolanagency.com
TI
252 W Marion Ave Suite 1133
Tarantino Insurance Group - Powered By : Blanchard Insurance Inc.
Home Insurance Agent · Punta Gorda, FL
(386) 450-0120
blanchardinsurance.com/tarantino-insurance-group
II
128 W Charlotte Ave
Integrity Insurance Agency
Home Insurance Agent · Punta Gorda, FL
(941) 625-0623
iiagencies.com
LS
265 E Marion Ave #117c
Lake Shore Insurance Agency
Home Insurance Agent · Punta Gorda, FL
(941) 766-1411
lakeshoreinsurance.com

What Does a a Home Insurance Agent in Punta Gorda Cost?

The average cost of homeowners insurance in Florida is about $1,980 per year but Punta Gorda rates can be higher due to hurricane risk. Typical premiums range from $1,500 to $4,000 annually depending on your home age construction and location. Flood insurance costs between $700 and $2,000 per year for most homes. This is general information and not insurance advice.

About home insurance agents in Punta Gorda

A home insurance agent in Punta Gorda Florida can help you find coverage that meets state requirements and protects against hurricane damage. Florida law requires insurers to offer windstorm coverage and sinkhole coverage in certain areas. Local agents understand the specific risks of Charlotte County including storm surge and flood zones.

Frequently Asked Questions

What does a home insurance agent in Punta Gorda do?

A home insurance agent helps you compare policies from different insurers to find coverage for your home. They explain Florida specific requirements like wind mitigation inspections and flood insurance options. They also assist with claims and policy changes after a storm.

Do I need flood insurance in Punta Gorda Florida?

Flood insurance is not required by state law but lenders often require it for homes in flood zones. Punta Gorda is in a high risk area for flooding from hurricanes and heavy rain. A local agent can help you get a policy through the National Flood Insurance Program or a private carrier.

How does Florida windstorm insurance work for Punta Gorda homes?

Florida law requires insurers to offer windstorm coverage as part of a homeowners policy or as a separate policy. If you cannot find coverage in the private market you can get wind coverage from Citizens Property Insurance Corporation. Your agent can explain deductibles which are often percentage based on your home value.

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