Sarasota Insurance Agency
Home, Auto, Flood & Business Insurance on the Gulf Coast
Protecting Sarasota's homes, businesses, and arts community since 1994
Sarasota Insurance: Gulf Coast Luxury & Risk
Sarasota's affluent community, barrier island properties, and cultural assets create unique insurance challenges.
Luxury Waterfront Properties
Sarasota has some of Florida's most expensive homes — waterfront estates on Bird Key, Longboat Key, Siesta Key, and Lido Key. Home values range from $1 million to $20+ million. Standard homeowners insurance caps at $500,000-$750,000. High-value homes require specialized coverage with agreed value policies, higher liability limits, and premium carriers.
Barrier Island Hurricane Risk
Siesta Key, Longboat Key, Lido Key, and Casey Key face direct Gulf hurricane exposure. Storm surge, wind damage, and erosion are constant threats. Hurricane deductibles of 5-10% mean homeowners pay $50,000-$100,000+ out-of-pocket on luxury properties before insurance kicks in.
Flood Zones & Coastal Exposure
Sarasota's barrier islands are ALL in FEMA high-risk flood zones (V, VE, AE). Mainland waterfront properties (Sarasota Bay, Roberts Bay) also face flood risk. Flood insurance is mandatory for mortgages in these zones — and expensive ($2,000-$8,000/year for high-value homes).
Arts & Cultural Property Insurance
Sarasota is Florida's arts capital — theaters, galleries, museums, and art collections. Insuring fine art, sculptures, and cultural venues requires specialized coverage. Scheduled personal property endorsements, transit coverage, and agreed value appraisals protect high-value collections.
Condo & Townhome Complexity
Sarasota's condo market (downtown high-rises, Siesta Key beach condos) creates unique insurance challenges. HO-6 condo insurance requires understanding your building's master policy, special assessments, and loss assessment coverage. Post-Surfside (2021 condo collapse), condo insurance has become more expensive and complex.
Retiree & Snowbird Population
Sarasota has a large retiree and seasonal resident population. Vacant home insurance, seasonal occupancy endorsements, and property management coverage are common needs. Carriers often charge surcharges for homes vacant more than 30-60 days per year.
Why Sarasota Residents Choose Greene & Associates
Gulf Coast Expertise
We understand Sarasota's unique insurance needs — luxury waterfront homes, arts community properties, and barrier island coverage challenges.
High-Value Home Specialists
Sarasota has some of Florida's most expensive homes. We specialize in high-value coverage with agreed value policies and premium carrier access.
Independent Agency Advantage
We represent 20+ carriers to find competitive rates for Sarasota's diverse property market — from Siesta Key condos to mainland estates.
Personal Insurance for Sarasota Homeowners
Protecting Sarasota's luxury homes, barrier island properties, and art collections requires specialized coverage.
Homeowners Insurance
Sarasota homeowners insurance costs $4,000-$15,000/year depending on property value, location, and construction. Barrier island properties (Siesta Key, Longboat Key, Lido Key) face the highest premiums due to hurricane and flood exposure. Hurricane deductibles of 5-10% can mean $50,000-$200,000 out-of-pocket on high-value homes.
High-value homes: Standard homeowners policies cap at $500,000-$750,000 dwelling coverage. Sarasota homes valued over $1 million need specialized high-value coverage with agreed value policies, higher liability limits ($2-5 million), and coverage for collections, jewelry, and fine art.
Wind mitigation: Impact windows, reinforced roofs, and hurricane shutters can save 10-30% on premiums. A wind mitigation inspection ($75-$150) can save Sarasota homeowners $500-$2,000/year.
Flood Insurance
Flood insurance is MANDATORY for Sarasota barrier island homes with mortgages.Siesta Key, Longboat Key, Lido Key, and Casey Key are ALL in FEMA high-risk flood zones (V, VE, AE). Even mainland waterfront properties near Sarasota Bay face flood exposure.
NFIP vs private flood: NFIP caps at $250,000 dwelling coverage — not enough for Sarasota luxury homes. Private flood insurance offers coverage up to $2-5 million. We quote both and find the best option for your property value.
Cost: Sarasota flood insurance costs $1,500-$8,000/year depending on zone, elevation, and coverage limits. High-risk coastal zones (V, VE) are the most expensive. Elevated homes on pilings get better rates.
Auto Insurance
Sarasota auto insurance costs $2,000-$3,200/year on average. US-41 (Tamiami Trail), I-75, and Siesta Key Bridge traffic create accident risks. Tourist season and snowbird traffic increase collision rates.
Luxury vehicle coverage: Sarasota has a high concentration of luxury and exotic vehicles. Specialized auto insurance with agreed value coverage protects high-end cars, classic cars, and collectibles.
Uninsured motorist coverage: Florida has high uninsured driver rates. UM coverage protects you if an uninsured driver causes an accident. Don't skip it.
Umbrella Insurance
Sarasota's high net worth residents need umbrella insurance to protect assets beyond standard liability limits. Umbrella insurance adds $1-10 million in coverage for $300-$1,500/year. One lawsuit from a pool accident, car crash, or slip-and-fall can wipe out your net worth. Umbrella insurance is essential asset protection.
Who needs it: Anyone with waterfront property, rental properties, boats, multiple vehicles, or net worth over $1 million.
Business Insurance for Sarasota Companies
From Main Street restaurants to St. Armands shops to medical practices, we protect Sarasota businesses.
General Liability
Protects Sarasota businesses from customer injuries, property damage claims, and lawsuits. Required by commercial leases. Starting at $500-$1,500/year.
Workers Compensation
Required in Florida if you have employees. Sarasota contractors, restaurants, and medical practices must carry workers comp. We find competitive rates.
Commercial Property
Protects your building, equipment, and inventory from fire, wind, theft. Sarasota businesses need hurricane AND flood coverage for coastal locations.
Business Owners Policy (BOP)
Combines general liability, commercial property, and business interruption. Ideal for Sarasota retail, offices, galleries, and restaurants.
Professional Liability (E&O)
Sarasota's medical, legal, and consulting professionals need errors & omissions coverage. Protects against malpractice and negligence claims. Starting at $1,000-$5,000/year.
Cyber Liability
Sarasota businesses that collect customer payment info need cyber insurance. Covers data breaches and ransomware. Starting at $500-$2,000/year.
Insurance by Industry in Sarasota
We specialize in insurance for Sarasota's key industries.
Sarasota Areas We Serve
Greene & Associates Insurance serves homeowners and businesses across Sarasota County.
Downtown Sarasota
Main Street, Bayfront
Siesta Key
#1 beach in America
Longboat Key
Barrier island luxury
Lido Key
St. Armands Circle
Bird Key
Waterfront estates
Casey Key
Private island community
Lakewood Ranch
Master-planned community
Venice
South Sarasota County
Carriers We Represent in Sarasota
Access to 20+ carriers including premium carriers for high-value homes.
Trusted Carriers We Represent
Sarasota Insurance FAQ
How much does homeowners insurance cost in Sarasota?
Sarasota homeowners insurance costs $4,000-$15,000/year depending on property value, location, and construction. Barrier island properties (Siesta Key, Longboat Key) pay the highest premiums due to hurricane and flood exposure. Mainland properties pay less but still face Gulf Coast hurricane risk.
Do I need flood insurance in Sarasota?
YES, especially if you live on barrier islands (Siesta Key, Longboat Key, Lido Key, Casey Key). These areas are ALL in FEMA high-risk flood zones. If you have a mortgage, flood insurance is required. Even mainland waterfront properties should have flood coverage due to storm surge risk.
How do I insure a high-value home in Sarasota?
Homes valued over $1 million need specialized high-value coverage beyond standard homeowners policies. We work with premium carriers that offer agreed value policies, higher liability limits, and coverage for fine art, jewelry, and collections. Expect to pay $8,000-$20,000+/year for luxury waterfront homes.
Get a Sarasota Insurance Quote Today
Sarasota's luxury homes and barrier island properties require specialized insurance expertise. Let us shop 20+ carriers — including premium carriers for high-value homes — to find you the best coverage.
Serving Sarasota, Siesta Key, Longboat Key, Lido Key, Bird Key, Lakewood Ranch, Venice, and all of Sarasota County