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HomeHome Insurance AgentsFlorida › Winter Haven

Find Home Insurance Agents Near You in Winter Haven, FL

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

The top-rated home insurance agent in Winter Haven, Florida is Rob Semans - State Farm Insurance Agent, rated 4.9 stars across 982 reviews. Other highly rated options include Team Barfield - Barfield Insurance, Jessica Cruz Phung - State Farm Insurance Agent, Acceptance Insurance. This directory lists 21 home insurance agents serving Winter Haven.

Showing 21 home 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
Home Insurance Agent · Winter Haven, FL

Rob Semans - State Farm Insurance Agent serves the Winter Haven, Florida area as a home insurance agent. The company specializes in helping local homeowners protect their properties against common regional risks. Typical services include evaluating dwelling coverage needs and advising on policy options for personal belongings. They also assist with adding liability protection for household accidents. Specific services this agency handles include windstorm coverage for Florida weather conditions and replacement cost estimates for home structures.

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

Team Barfield - Barfield Insurance provides a wide range of home insurance agent services, including policy reviews, coverage consultations, and customized protection plans for property owners in Winter Haven, FL. Its agents assist clients in selecting appropriate policies and offer ongoing support for claims filing and policy updates throughout the year. The company serves single-family homes, apartments, retail properties, and restaurants.

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

Homeowners and property managers in Winter Haven, FL turn to Jessica Cruz Phung - State Farm Insurance Agent for home insurance coverage tailored to their individual needs. The agency helps clients protect their homes and personal belongings against common regional risks, including storms and flooding, while offering optional liability protection for added peace of mind. Their service area also extends to neighboring communities throughout the greater Lakeland metro region.

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

Acceptance Insurance serves Winter Haven and the surrounding Polk County area, providing home insurance solutions for local property owners. The agency helps clients secure policies that cover dwelling protection and personal liability, addressing the specific needs of Florida homeowners. It also offers assistance with evaluating coverage limits for structures and contents. Annual policy reviews and claims support for wind or flood damage are among the specific services it handles in this area.

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

As a home insurance agent, Freeway Insurance provides a variety of coverage options for residential property protection in the Winter Haven, Florida area. The company works with clients to help select appropriate policies that guard against common risks like fire, theft, and weather damage. Its services include assisting with initial policy setup as well as periodic reviews to adjust coverage as needed. The agency serves different types of properties, including single-family homes, apartments, retail spaces, and restaurants.

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

Serving Winter Haven and its surrounding Polk County communities, Barfield Insurance & Financial Services Inc. works as a home insurance agent. It handles policies for standard and mobile dwellings, helping clients assess coverage needs for property and liability. For a typical job, the agency starts by reviewing the specific risks and property details, then presents clear options so the homeowner can make an informed decision about their plan.

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

For home insurance, clients can choose between a one-time policy for seasonal properties or an ongoing annual plan for primary residences. Joseph Bullington: Allstate Insurance in Winter Haven, FL, helps customers compare coverage options like dwelling protection, liability, and personal property. Policies can be tailored to local risks such as storms or flooding. Service arrangements are available on a one-time, scheduled, or as-needed basis to address individual homeowner requirements.

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

Karen Bryan - State Farm Insurance Agent in Winter Haven, FL, provides home insurance policies tailored to protect residential properties and personal belongings. It also offers general services such as liability coverage and property damage protection for local homeowners. The agency assists clients in selecting appropriate deductibles and policy limits to match individual needs and budgets. Seasonal concerns it helps with include preparing coverage for potential hurricane damage or storm-related losses common to the Central Florida area.

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

As hurricane season approaches in Central Florida, Winter Haven homeowners often review their coverage for wind and flood protection. Ryan Gunkel - GEICO Insurance Agent provides personalized consultations to address these concerns, helping residents assess their current policies and explore suitable options. The agent explains coverage limits, deductibles, and available endorsements for properties in the area. The process typically begins with a thorough review of the home’s construction and location to identify potential coverage adjustments or additional protections that may be needed.

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

Zinsmeister - Your Home, Boat & Auto Insurance Agency helps residents in Winter Haven protect their property and assets. The agency specializes in home insurance, while also offering coverage options for boats and automobiles. Agents work with local homeowners to tailor policies that address common regional risks. Commercial insurance solutions are available for different business types, including offices, warehouses, and food service establishments.

GI
5658 Cypress Gardens Blvd
GreatFlorida Insurance: Brock Schnabel
Home Insurance Agent · Winter Haven, FL
(863) 594-2600
winterhaven.greatflorida.com
AI
3610 Havendale Blvd
American Insurance Inc
Home Insurance Agent · Winter Haven, FL
(863) 965-2886
americaninsuranceinc.com
CI
308 Ave G SW Suite 201
Clearvue Insurance Agency (Formerly Lorna Wilson Agency)
Home Insurance Agent · Winter Haven, FL
(863) 866-8990
clearvueinsurance.com
GI
116 W Central Ave
Garland Insurance fka Victory Insurance
Home Insurance Agent · Winter Haven, FL
(863) 683-9334
CI
3021 Cypress Gardens Rd
Cypress Insurance Management
Home Insurance Agent · Winter Haven, FL
(863) 326-1885
cypressinsuranceonline.com
JL
1750 Havendale Blvd NW STE 1
J&KC Life Insurance Agency
Home Insurance Agent · Winter Haven, FL
(863) 368-5964
facebook.com/jkclifeinsurance
SI
3395 Cypress Gardens Rd
Sealy Insurance
Home Insurance Agent · Winter Haven, FL
(863) 324-3100
SI
400 Ave C NE
Swift Insurance Agency FL
Home Insurance Agent · Winter Haven, FL
(863) 546-8440
CM
205 Ave G SW
Carroll-Marshall Insurance, Inc.
Home Insurance Agent · Winter Haven, FL
(863) 293-1111
cminsure.com
DI
190 Avenue A NW
Dershimer Insurance Agency
Home Insurance Agent · Winter Haven, FL
(863) 299-8330
dershimerinsurance.com
BI
150 3rd St SW Suite 203
Brightway Insurance, The Bailey and Associates Agency
Home Insurance Agent · Winter Haven, FL
(863) 614-1300
brightwaybaileyandassociates.com

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

The average cost of a home insurance policy in Florida is around $2,000 to $4,000 per year, but rates vary widely based on location, home value, and coverage limits. Winter Haven residents may pay more due to hurricane and sinkhole risks. This is general information and not insurance advice.

About home insurance agents in Winter Haven

Home insurance agents in Winter Haven, Florida help residents find coverage for their homes and personal property. Florida law requires insurers to offer windstorm coverage, and agents can explain how this applies to your policy. Working with a local agent ensures you understand the specific risks in Polk County, such as sinkholes and hurricane damage.

Frequently Asked Questions

What does a home insurance agent in Winter Haven do?

A home insurance agent helps you compare policies from different insurance companies. They explain coverage options like wind, flood, and personal property. They also assist with filing claims and understanding your policy terms.

Do I need flood insurance in Winter Haven Florida?

Flood insurance is not required by state law, but your mortgage lender may require it if you live in a flood zone. Winter Haven has many lakes, so flood risk can be higher in certain areas. An agent can help you determine if flood insurance is right for your property.

What is the Florida windstorm insurance requirement?

Florida law requires all residential property insurers to offer windstorm coverage. This can be included in your standard policy or added as a separate endorsement. Your agent can explain the deductible options and how wind coverage applies to hurricanes.

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.