What We Offer

Insurance Services

Nine lines of coverage. Thirty-plus carriers. One trusted local agency.

Personal Auto Insurance

Shop and compare rates from 10+ auto carriers in minutes.

Florida law requires drivers to carry a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). However, these limits may not be sufficient in all situations, especially if Bodily Injury Liability coverage is not included. It's important to consider coverage options beyond the legal minimum.

At The P&P Insurance Agency, we help you explore coverage options that align with your needs and budget, working with carriers such as Progressive, GEICO, Kemper, National General, United Auto Insurance, The General, and others. Coverage options, availability, and pricing may vary.

  • Liability & Property Damage
  • Comprehensive & Collision
  • Personal Injury Protection (PIP)
  • Uninsured / Underinsured Motorist
  • Roadside Assistance
  • Rental Reimbursement

Personal Auto Insurance

Shop and compare rates from 10+ auto carriers in minutes.

Get a Quote

Home Insurance

Protect your home and everything in it.

Get a Quote
Home Insurance

Protect your home and everything in it.

Your home is often one of your most valuable assets. A standard homeowners policy may include coverage for your dwelling, other structures, personal property, liability, and additional living expenses—but pricing and coverage options can vary widely by carrier.

At The P&P Insurance Agency, we help you review and compare options from providers such as Heritage Insurance, Universal Property & Casualty Insurance Company, Cypress Property & Casualty Insurance Company, Florida Peninsula Insurance Company, Edison Insurance Company, Security First Insurance Company, and others to find coverage options that align with your needs and budget. We also offer a complimentary review of your current policy to help identify potential gaps. Whether you're purchasing your first home or have years of experience as a homeowner, we'll guide you in selecting a policy that fits your situation.

  • Dwelling Coverage (Structure)
  • Other Structures (Detached)
  • Personal Property
  • Loss of Use / Additional Living Expenses
  • Personal Liability
  • Medical Payments to Others
Flood Insurance

Standard home insurance does NOT cover floods. Don't wait until it's too late.

Florida faces a significant risk of flooding, and it remains the most common natural disaster in the U.S. Standard homeowners policies do not include flood coverage. Even properties outside of high-risk zones can experience flooding, with a notable portion of claims coming from low- to moderate-risk areas.

We offer both National Flood Insurance Program (NFIP) policies and private flood insurance options through carriers such as Selective Insurance, Wright Flood, Selective, Assurant, Cypress. Availability, rates, and coverage options can vary, and we'll help you explore solutions that fit your needs and budget.

  • Building Coverage up to $500K (Private)
  • Contents Coverage up to $250K
  • Basement Coverage Available
  • NFIP & Private Market Options
  • Competitive Florida Rates
  • Fast Bind — Often Same Day

Flood Insurance

Standard home insurance does NOT cover floods. Don't wait until it's too late.

Get a Quote

Commercial Auto Insurance

Protect your business vehicles and keep your operations moving.

Get a Quote
Commercial Auto Insurance

Protect your business vehicles and keep your operations moving.

Your personal auto policy won't cover a vehicle used for business. From a single company car to a fleet of delivery vans, P&P Insurance builds commercial auto policies that match your industry's specific needs. We work with contractors, landscapers, food delivery operators, construction companies, and more.

  • Bodily Injury & Property Damage Liability
  • Comprehensive & Collision
  • Hired & Non-Owned Auto
  • Cargo / Goods in Transit
  • Fleet Programs
  • Single-Vehicle & Multi-Vehicle Discounts
Business Insurance

Comprehensive business coverage tailored to your industry.

Whether you're a sole proprietor or managing a growing business, having the right commercial coverage can help protect your livelihood. The P&P Insurance Agency helps you explore insurance options tailored to your operations—from a Business Owner's Policy (BOP) that combines property and liability coverage to additional policies commonly used by contractors, restaurants, retailers, and professional service providers.

Coverage options and availability may vary, and we'll work with you to find solutions that align with your needs and budget.

  • Business Owner's Policy (BOP)
  • General Liability
  • Commercial Property
  • Workers' Compensation
  • Professional Liability (E&O)
  • Umbrella / Excess Coverage

Business Insurance

Comprehensive business coverage tailored to your industry.

Get a Quote

Motorcycle Insurance

Ride with confidence knowing you're fully covered.

Get a Quote
Motorcycle Insurance

Ride with confidence knowing you're fully covered.

Florida's year-round riding season means your motorcycle may be exposed to more risk compared to bikes stored during colder months. The P&P Insurance Agency helps you explore motorcycle insurance options for sport bikes, cruisers, touring bikes, and custom builds.

We offer both seasonal and annual coverage options to fit different riding habits. Coverage options, terms, and availability may vary based on your specific situation.

  • Bodily Injury & Property Damage Liability
  • Collision & Comprehensive
  • Uninsured Motorist Protection
  • Medical Payments
  • Custom Parts & Equipment
  • Roadside Assistance
Recreational Vehicle Insurance

From boats to ATVs — protect every adventure.

A standard homeowners policy may provide limited coverage for recreational vehicles—but it's often not enough. The P&P Insurance Agency helps you explore specialized insurance options for boats, personal watercraft (jet skis), RVs, motorhomes, golf carts, and ATVs.

We work with you to find coverage options designed for how and where you use your vehicles. Coverage, terms, and availability may vary based on your specific situation.

  • Boat & Personal Watercraft
  • RV & Motorhome (Class A, B, C)
  • ATV & Off-Road Vehicles
  • Golf Cart Insurance
  • On-Water Liability
  • Agreed Value Options

Recreational Vehicle Insurance

From boats to ATVs — protect every adventure.

Get a Quote

Renters Insurance

Affordable coverage for everything inside your rental.

Get a Quote
Renters Insurance

Affordable coverage for everything inside your rental.

Your landlord's insurance policy typically covers the building—not your personal belongings. A renters policy can help protect items like furniture, electronics, clothing, and other valuables from risks such as theft, fire, or certain types of water damage. It may also include personal liability coverage.

Renters insurance is often an affordable option, with many policies costing less than $20 per month, depending on coverage selections and eligibility. The P&P Insurance Agency can help you explore options that fit your needs and budget.

  • Personal Property Coverage
  • Personal Liability Protection
  • Loss of Use / Temporary Housing
  • Medical Payments to Others
  • Theft Inside & Away from Home
  • Affordable Rates from ~$15/mo
Life & Health Insurance

Protect your health and provide for your family's future.

Health insurance is an important part of protecting your family's financial well-being. The P&P Insurance Agency is contracted with major carriers in the Marketplace (ACA plans), including Cigna, Oscar, Ambetter, Molina and UnitedHealthcare, helping you explore plan options that align with your healthcare needs and budget.

We also offer access to term life and whole life insurance options through multiple carriers. Plan availability, eligibility, and pricing may vary based on individual circumstances.

  • Individual & Family Health Plans (ACA)
  • Medicare Supplements
  • Dental & Vision Add-Ons
  • Term Life Insurance
  • Whole & Universal Life
  • Group Health for Small Business

Life & Health Insurance

Protect your health and provide for your family's future.

Get a Quote

Ready to protect what matters most?

Get a free, no-obligation quote in minutes. A licensed agent will contact you within one business day.

Get a Free Quote (305) 559-7942