The Top Insurance Companies in St. Petersburg, FL

St. Petersburg, known as Florida’s “Sunshine City,” is a vibrant coastal community with beautiful beaches, a bustling downtown, and a thriving arts scene. As a popular city for residents and tourists alike, St. Petersburg has many insurance needs from homeowners, renters, auto owners and more. This article explores the top insurance companies available to meet the coverage needs of the St. Petersburg area.

Overview of St. Petersburg

St. Petersburg is located on the Gulf Coast of Florida in Pinellas County. Key facts about the city:

• Population of around 260,000 residents
• Tampa Bay metro area’s second largest city after Tampa
• Known for its beaches, museums, sports teams, and parks
• Has a hot humid subtropical climate
• Major industries include healthcare, finance, tourism, and technology

As a coastal city exposed to Atlantic hurricanes, St. Petersburg residents need strong property insurance. And its hot, humid climate and proximity to Tampa make auto insurance important. The insurance needs of businesses, homeowners, and renters are served by various national and regional insurance firms.

Top Insurance Companies in St. Petersburg

Here are some of the top insurance companies serving customers in the St. Petersburg area:

State Farm

• National provider of home, auto, life, and business insurance
• Large presence in Florida with many local agents
• Top insurer of homes and autos across the state
• High financial strength ratings from AM Best (A++) and Moody’s (Aa1)

Progressive

• National auto and home insurance company
• Known for easy quoting and claims via mobile app and online
• Popular in Florida for affordable car insurance rates
• Strong financial ratings from AM Best (A+) and S&P (A+)

Florida Peninsula Insurance Company

• Florida-based regional insurer since 1926
• Specializes in home, flood, auto, and business insurance
• High marks for customer satisfaction and claims handling
• AM Best rating of A (Excellent)

United Property & Casualty Insurance

• Florida-focused property insurer based in St. Petersburg
• Rated “A” by AM Best with strong financials
• Provides home, condo, and renters insurance
• Popular for bundled home and auto discounts

GEICO

• National auto insurance company based in Maryland
• Known for easy online quotes and low rates
• Serving Florida drivers for over 75 years
• Holds AM Best rating of A++ (Superior)

Top Local Insurance Agencies

Along with national insurance brands, many excellent local insurance agencies provide coverage in St. Petersburg.

McGriff Insurance Services

• Full service insurance agency since 1921
• Represents many top insurance carriers
• Provides auto, home, business, life, and health insurance
• St. Petersburg office located downtown

Insurance Office of America

• Independent agency offering business and personal lines
• Represents over 20 top-rated insurance companies
• Provides auto, home, flood, business, life, and health insurance
• Several offices across Pinellas County

Boyle, Leonard & Anderson Insurance

• Family owned agency since 1956
• Focuses on auto, home, flood, business, and life insurance
• Represents national and regional insurance carriers
• St. Petersburg office located on 4th Street

Dimmitt Automotive Financial & Insurance Services

• Specializes in auto insurance and vehicle-related coverage
• Represents companies like Progressive, Travelers, Safeco, and more
• Provides insurance for cars, motorcycles, RVs, ATVs, and boats
• Located on 34th Street in St. Petersburg

The Platinum Agency

• Independent insurance agency since 2004
• Offers home, auto, business, life, health, and specialty insurance
• Works with over 15 top insurance companies
• St. Petersburg office on Dr. Martin Luther King Jr. St.

Business Insurance Providers

Key insurers offering commercial coverage for St. Petersburg businesses:

• Travelers: Offers general liability, property, workers’ comp, and umbrella insurance for small and mid-sized businesses.

• The Hartford: Provides BOP, commercial auto, professional liability, workers’ comp, and cyber insurance for a range of industries.

• Chubb: Specializes in customized coverage for mid-to-large size businesses locally and worldwide.

• Hiscox: Focuses on professional liability, cyber risks, and specialized business insurance niches.

• CNA: Leading commercial property and casualty insurer providing standard and tailored business coverage.

Factors to Consider

When choosing insurance in St. Petersburg, key factors to consider include:

• Coverage needs: Home, condo, renters, auto, flood, business, life, etc.

• Budget: Premium costs and out-of-pocket expenses like deductibles.

• Financial stability: Insurer’s financial strength and ability to pay claims.

• Customer service: Responsiveness, tools like mobile apps, paperless options.

• Discounts: Bundling, paying annually, safety features, etc. can reduce costs.

Conclusion

St. Petersburg has a great range of insurance options for homeowners, drivers, businesses, and specialty needs. National insurers provide affordable rates while local agencies offer customized service. Considering your specific coverage requirements, budget, and desired experience will let you find the ideal insurance solutions. Protecting your assets with the right St. Petersburg insurance provider lets you fully embrace an active coastal lifestyle.