The top-rated condo insurance agent in St. Petersburg, Florida is HH Insurance Group, LLC, rated 5.0 stars across 2,318 reviews. Other highly rated options include Steve Barney - State Farm Insurance Agent, Florida All Risk Insurance, Northeast Underwriters Insurance. This directory lists 28 condo insurance agents serving St. Petersburg.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | HH Insurance Group, LLC | 9887 4th St N # 200 | (727) 498-5551 |
| 2 | Steve Barney - State Farm Insurance Agent | 4640 Central Ave | (727) 290-1299 |
| 3 | Florida All Risk Insurance | 7024 Central Ave | (888) 880-9200 |
| 4 | Northeast Underwriters Insurance | 4790 1st St N | (727) 521-4253 |
| 5 | Moore Resources Insurance Agency | 4563 Central Ave | (727) 323-0206 |
| 6 | Freedom Insurance Services | 5980 66th St N unit k | (727) 546-5600 |
| 7 | Right Away Insured | 2329 Central Ave | (727) 977-8393 |
| 8 | Insurance Resources | 6620 1st Ave S | (727) 345-0242 |
| 9 | Luis Macias State Farm Insurance | 1909 34th St N | (727) 864-1506 |
| 10 | Gulf Coast Insurance Services | 5429 Central Ave | (727) 317-5799 |
HH Insurance Group, LLC serves clients throughout Pinellas County from its base in St. Petersburg, Florida, specializing in providing condo insurance policies. The agency helps unit owners secure coverage that protects their interior fixtures and personal belongings. Agents are equipped to handle the unique risks associated with waterfront living in the Tampa Bay area, including wind and flood exposure. HH Insurance Group, LLC navigates the complexities of master policy exclusions and individual liability gaps. It handles loss assessment coverage and personal property replacement cost valuations for condo residents.
Serving the St. Petersburg area, Steve Barney - State Farm Insurance Agent provides comprehensive condo insurance solutions tailored to individual needs. The agency offers standard policy options for unit owners, including coverage for personal property, liability protection, and loss of use. It assists clients in understanding master policy boundaries and filling coverage gaps. Clients may consult about deductible management and personal asset protection. Its services support a variety of property types, including single-family homes, apartment units, retail spaces, and restaurants.
Florida All Risk Insurance serves condominium owners and property managers in the St. Petersburg, Florida area, offering coverage tailored to individual unit policies and master association needs. The agency provides guidance on standard condo insurance components, including interior structural protection and personal liability. Its agents work with local condominium boards and individual homeowners to address the unique coverage gaps common in community association living. The agency also provides its condo insurance services to clients throughout the greater Tampa Bay metro region.
Serving St. Petersburg and surrounding communities throughout Pinellas County, Northeast Underwriters Insurance handles all aspects of condo insurance for local owners. The agency arranges coverage for a condominium’s interior structure, personal property, and liability protection. It helps clients understand how their master policy interacts with their individual unit’s needs. For each job, it begins by reviewing the specific condo association’s by-laws and then matches coverage options to fill any gaps in the building’s master policy.
Moore Resources Insurance Agency specializes in securing coverage for individual condo units, addressing the unique liability and interior protection needs of condominium owners. Operating in St. Petersburg, FL, the agency also assists clients with standard general insurance services for residential properties. It recognizes that Florida’s hurricane season creates urgent gaps in master policy coverage, so it helps policyholders obtain necessary windstorm and flood endorsements well before a storm threat materializes.
At Freedom Insurance Services in St. Petersburg, FL, condo owners can choose between one-time coverage for a single policy need or recurring service for ongoing protection. Services address common policy gaps such as interior damage, liability, and loss of use after a covered event. The agency works on both a scheduled basis for annual renewals and as-needed basis for assessing risk after property changes or ordinance updates.
Hurricane season brings heightened concern for St. Petersburg condominium owners, who must ensure their policy covers wind damage and common-area liabilities. Right Away Insured addresses these complexities by focusing exclusively on condo insurance, helping unit owners navigate Florida-specific coverage gaps like loss assessments and ordinance updates. Their process provides straightforward comparisons to match each client's unique building arrangement and budget. The initial step involves a thorough review of the condominium association's master policy and the unit owner's current declarations.
Insurance Resources works with property owners to secure appropriate coverage for condominium units in the St. Petersburg area. The agency focuses on the specific insurance needs that come with shared-building living arrangements, such as loss assessments and common area liability extensions. Its policies can also be tailored to cover individual interior finishes and personal belongings. The same agency serves commercial sectors as well, including offices, warehouses, and food service businesses.
Luis Macias State Farm Insurance offers residential condo insurance services for owners in St. Petersburg, Florida, covering individual units and shared building aspects. Commercial coverage is also available for smaller condominium associations within the local area and surrounding parts of Pinellas County. The agency provides clear explanations of policy deductibles and liability protection tailored to condo living needs. Clients often return for annual policy reviews or to update coverage after assessment changes occur between regular property inspections.
Gulf Coast Insurance Services, based in St. Petersburg, FL, is known for helping condo owners secure coverage tailored to the unique coastal environment. The agency guides clients through policies that address interior structures and personal liability, which are essential for Florida condominium associations. It also assists with navigating wind and flood insurance requirements common to properties along the Gulf Coast. This condo insurance agent additionally offers specialized protection for valuable personal property inside the unit.
What Does a a Condo Insurance Agent in St. Petersburg Cost?
Typical condo insurance costs in Florida range from 300 to 800 dollars per year for a standard policy. Factors like the unit location building age and coverage limits affect the price. High risk areas near the coast may see higher premiums. This is general information not insurance advice.
About condo insurance agents in St. Petersburg
A condo insurance agent in St. Petersburg Florida helps you find the right policy for your unit. Florida law requires condo associations to carry a master policy but individual owners need their own coverage for personal property and interior improvements. An agent can explain how the Florida Condominium Act affects your insurance needs.
Frequently Asked Questions
What does a condo insurance agent do in St. Petersburg?
A condo insurance agent helps you compare policies from different insurers. They explain coverage options like loss assessment and personal liability. They also guide you on meeting your mortgage lenders insurance requirements.
Do I need condo insurance in Florida if the association has a master policy?
Yes you still need your own condo insurance. The master policy usually covers the building structure and common areas. Your personal policy covers your belongings interior walls and upgrades plus liability protection.
How does Florida law affect condo insurance requirements?
Florida law requires condo associations to maintain property insurance on the building. Individual owners must insure their own unit additions and alterations. The Florida Condominium Act also allows associations to require owners to carry specific minimum coverage amounts.
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