The top-rated flood 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, Brightway Insurance, The Harrington Agency. This directory lists 14 flood 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 | Brightway Insurance, The Harrington Agency | 31962 US Hwy 19 N | (727) 789-2200 |
| 5 | Hawk Insurance Group | 31087 US Hwy 19 N | (727) 877-4295 |
| 6 | Whitco Insurance Agency Palm Harbor 👍 | 30832 US Hwy 19 N | (727) 781-5858 |
| 7 | GreatFlorida Insurance: Jim Sullivan | 3382 Tampa Rd | (727) 781-5533 |
| 8 | Edgewater Insurance Inc | 30522 US Hwy 19 N #107-Q | (727) 772-0428 |
| 9 | Insurance Solutions of Tampa Bay | 2708 US-19 ALT Suite 505 Suite F | (727) 474-9645 |
| 10 | Royal Insurance, Inc. | 32756 US Hwy 19 N | (727) 786-0090 |
Coleman Insurance Agency serves Palm Harbor and the greater Pinellas County area with a focus on flood insurance solutions. As a specialized flood insurance agent, the company assists property owners in understanding and securing coverage through the National Flood Insurance Program. Given the region’s proximity to the Gulf Coast and its flood-prone zones, the agency guides clients through policy options that address both structural and content protection. Coleman Insurance Agency handles policy renewals, new flood insurance applications, and elevation certificate reviews.
Reliant Insurance Services provides comprehensive flood insurance agent services for properties in Palm Harbor, FL. It offers customized coverage options and guidance through the Federal Emergency Management Agency’s National Flood Insurance Program. Maintenance plans include periodic policy reviews to ensure coverage remains adequate as flood zone maps update. Service plans involve claims assistance and advice on mitigation measures for flood-prone areas. The agency handles coverage for single-family homes, apartments, retail locations, and restaurants throughout the local community.
Serving homeowners, businesses, and property managers in Palm Harbor, FL, Lizette Cochran - State Farm Insurance Agent provides flood insurance policies designed to protect properties from water damage. This agency helps clients assess their flood risk and secure appropriate coverage for their structures and contents. Regular policy reviews are offered to ensure limits keep pace with changing property values and local flood zone updates. The office also assists residents and commercial owners in the greater Tampa Bay metro area, including neighboring Dunedin.
Brightway Insurance, The Harrington Agency serves Palm Harbor and the surrounding communities across northern Pinellas County, offering flood insurance policies that protect properties located in designated flood zones and higher-risk areas found throughout the Tampa Bay region. The agency handles policy selection, coverage amounts, and National Flood Insurance Program enrollment to address each client’s specific property needs and flood exposure. It approaches every job by thoroughly evaluating the property’s flood map designation and explaining coverage limits before presenting policy options.
Some flood insurance needs arise from a single property purchase, while others require ongoing annual policy renewals. Hawk Insurance Group in Palm Harbor, FL, helps property owners secure National Flood Insurance Program coverage and private market policies. These plans typically cover structural damage and contents loss from rising water. Because flood patterns and federal regulations change regularly, many clients schedule an annual policy review to adjust their coverage. Service appointments run on an as-needed basis for new coverage or claims.
Whitco Insurance Agency Palm Harbor specializes in helping property owners navigate flood insurance options. It assists residential and commercial clients in Palm Harbor, Florida, with identifying appropriate coverage for their needs. The agency addresses the specific flood risks common to the area, including those from heavy seasonal rains and tidal surges during hurricane season. Its services help ensure that local homes and businesses have necessary protection before a storm threatens the coastline.
Homes along Florida’s Gulf Coast routinely face flooding from tropical storms and seasonal downpours. GreatFlorida Insurance: Jim Sullivan in Palm Harbor, FL, assists property owners in navigating flood insurance policies tailored to this risk. The company evaluates a client’s specific exposure based on the local topography and flooding history. This flood insurance agent then explains coverage options that meet federal and private requirements, helping secure financial protection for the dwelling and its contents. Their process begins with a property inspection to determine flood zone classification and elevation data.
Edgewater Insurance Inc serves the Palm Harbor, Florida area with general property and casualty coverage while specializing in flood insurance agency services. Their expertise helps homeowners and renters navigate the specific requirements of flood-prone communities. As an independent agency, they assess individual property risks and review federal program options available in this region. Commercial clients including offices, warehouses, and food service operations can secure tailored policies to protect their assets from potential water damage.
Insurance Solutions of Tampa Bay in Palm Harbor, FL handles flood insurance for residential properties, helping homeowners secure coverage for storm surge and rising water. They also serve commercial clients needing protection for business assets in flood-prone zones. Their service area includes the Tampa Bay region, where elevation certificates and flood zone assessments are common requirements. After a policy is issued, agents follow up to adjust coverage between regular visits, ensuring limits match any property changes or updated flood maps.
Royal Insurance, Inc. in Palm Harbor, FL, is known for providing essential flood insurance policies for homeowners and businesses. The agency guides clients through flood zone assessments and policy options to safeguard against storm surge and rising water damage. It serves the greater Palm Harbor area, helping residents comply with federal flood insurance requirements while securing adequate coverage limits for their properties. As a specialty offering, the firm can assist with inland flood protection for properties located outside designated high-risk flood zones.
What Does a a Flood Insurance Agent in Palm Harbor Cost?
Flood insurance costs in Palm Harbor vary by flood zone, building elevation, and coverage amount. NFIP premiums typically range from 700 to 2,500 dollars per year for standard policies. Private flood insurance may cost 500 to 1,800 dollars annually depending on risk factors. Elevation certificates and recent flood map changes can affect your rate. This is general information, not insurance advice.
About flood insurance agents in Palm Harbor
Flood insurance agents in Palm Harbor help homeowners and businesses secure coverage required by Florida law and mortgage lenders. Palm Harbor sits in high-risk flood zones near the Gulf Coast, making flood insurance a critical protection. An agent can explain the National Flood Insurance Program rules and private market options specific to Pinellas County.
Frequently Asked Questions
Is flood insurance required in Palm Harbor Florida?
Yes, if your property is in a Special Flood Hazard Area designated by FEMA and you have a federally backed mortgage. Florida law also requires disclosure of flood risk to buyers. An agent can check your flood zone and advise on coverage needs.
How do I choose a flood insurance agent in Palm Harbor?
Look for an agent licensed in Florida with experience writing NFIP policies. They should be able to explain the 30-day waiting period for new NFIP policies and help you compare private flood insurance options. Ask about their familiarity with Palm Harbor flood maps.
What does flood insurance cover in Florida?
Standard NFIP policies cover up to 250,000 dollars for the building and 100,000 dollars for contents. Private policies may offer higher limits and additional coverage like temporary housing. An agent can tailor a policy to your property value and flood risk.
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