Business Details
50+ Years
experience
Your Trusted Insurance Partner in Florida
Harris Insurance has served Florida residents since 1965, establishing itself as a trusted independent insurance agency. Our family-owned business specializes in providing comprehensive auto, homeowner, business, life, and watercraft insurance solutions tailored to meet individual and commercial needs. With over 150 national insurance company partnerships, we offer competitive rates while prioritizing personalized service and market expertise. Our team of ten licensed agents, averaging over a decade of experience, provides one-on-one consultations to ensure optimal coverage selection. We maintain a commitment to technological innovation that benefits both clients and the environment while preserving traditional values of transparency and client advocacy.Our agents receive ongoing training to stay current with industry trends and regulatory changes, ensuring informed guidance for policyholders. Recognized for excellence in customer service through awards and client testimonials, we operate with a philosophy of working for clients rather than insurance carriers. Our Downtown Fort Walton Beach location serves as a central hub for communities across Florida, supporting local initiatives through community engagement programs. We emphasize long-term relationships built on trust, demonstrated by our track record of policyholder retention and renewal advocacy. Our digital platforms streamline insurance management while maintaining human accessibility for complex inquiries or claims assistance.
Services
Auto Insurance
Homeowner Insurance
Business Insurance
Life Insurance
Flood Insurance
Boat Insurance
Workers Compensation
Umbrella Insurance
Condominium Insurance
Renters Insurance
Details
- Year established: 1965
Highlights and features
- We offer 60+ years of Florida insurance expertise since 1965
- Our agents represent 150+ A-rated national insurance companies
- We guarantee competitive pricing with personalized coverage analysis
- Our team maintains average tenure of 10+ years per agent
- We received 2019 Best Customer Service award from VIP Destin Magazine
What people say
Competitive rates
5 star customer service
Quick response time
Comprehensive coverage
Low premium options
Services
Auto Insurance
We provide comprehensive auto insurance solutions including liability coverage, collision protection, and uninsured motorist options. Our policies protect personal and commercial vehicles across Florida with customizable deductibles and coverage limits. Our experienced agents help clients navigate state requirements while securing competitive rates through multiple carrier partnerships.
Homeowner Insurance
Our homeowner insurance policies cover structural damage, personal property loss, and liability protection for Florida residences. We offer standard and high-value home packages with optional endorsements for flood, wind mitigation, and solar panel coverage. Our agents specialize in navigating Florida's unique insurance requirements for coastal properties and vacation homes.
Business Insurance
We provide tailored business insurance solutions including liability protection, property coverage, and workers compensation. Our commercial policies serve Florida businesses of all sizes with specialized options for cyber liability, employment practices, and builders risk. Our agents understand industry-specific risks and help businesses maintain compliance with state regulations.
Flood Insurance
We offer flood insurance policies through the National Flood Insurance Program and private carriers. Our coverage options protect Florida properties in high-risk flood zones with customizable limits for both residential and commercial properties. Our agents provide flood zone analysis and mitigation recommendations to help reduce premiums.
Life Insurance
We provide term and permanent life insurance solutions including fixed indexed annuities and long-term care coverage. Our policies help Florida residents protect their families' financial future with customizable death benefits and cash value options. Our agents work with multiple carriers to find appropriate solutions for different budget and coverage needs.
People
C. Whit Harris II
Agency Leader
As second-generation leader, Whit Harris modernized operations while maintaining family values. He oversees strategic direction and technology implementation across the agency's 60+ year history in Florida insurance markets.
Cyrus Harris
Founder
Established Harris Insurance in 1965 as an independent agency. His vision created a customer-centric business model focused on providing Florida residents with quality insurance options through multiple carrier partnerships.
Questions
What types of insurance do you offer?
We provide auto, homeowner, business, life, boat, flood, and specialty insurance policies through 150+ national carriers.
How can I get a free quote?
Request a quote online through our website or contact us directly at (850) 244-2111 for immediate assistance.
Do you offer multi-policy discounts?
Yes, we provide bundling discounts when you combine multiple insurance products under one policy.
What areas do you serve?
We serve all Florida communities from Pensacola to Miami with specialized knowledge of Gulf Coast insurance needs.
How does your claims process work?
Our agents advocate for policyholders throughout the claims process, providing guidance from submission to resolution.
Are your agents licensed professionals?
Yes, we employ ten Florida-licensed insurance agents with combined experience exceeding 125 years.
Videos
Reviews (7)
Steve Weinberger
Jan 06, 2022
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Great service! Anita Pizzolato handled the transition of coverage for our FL beach home seamlessly. Thank you!!
Thomas Madden
Jan 02, 2022
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Positive:Responsiveness
Carole Bowser was very responsive and helpful beyond what you would expect. Carole is a great asset and credit to the Harris Insurance Company. I would recommend Carole and Harris Insurance to any of my friends.
Carole Bowser was very responsive and helpful beyond what you would expect. Carole is a great asset and credit to the Harris Insurance Company. I would recommend Carole and Harris Insurance to any of my friends.
Jeannie Stovall
Dec 26, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Thanks to Carole I saved $1000 a year on my auto insurance! She immediately search for lower rates and emailed me within 30 minutes. She saved me!!!! Love her!!!!!
Thanks to Carole I saved $1000 a year on my auto insurance! She immediately search for lower rates and emailed me within 30 minutes. She saved me!!!! Love her!!!!!
Greg Hull
Dec 23, 2021
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I needed to provide info re. my condo association's hazard insurance to my mortgage company. Natalie Harris Schmidt processed my request for Dec page and policy info within minutes. Wow! Great service and very friendly. Thank you Natalie!
Vicky Stemmons Stever
Dec 16, 2021
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When we bought a different car, Jwan made the process of transferring our coverage easy. She was flexible and worked with me both on the phone and by email. It was accomplished quickly so I was never without coverage :-)
Ed Sheets
Nov 30, 2021
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I commend the service I receive from Jwan Guy. She has help me more than anyone else have since Bill left.
Bertha Shane
Nov 25, 2021
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Positive:Value
Anita was very professional and quickly got me a policy that was affordable. Important to me is that I can quickly get in touch with my agent. Anita was always available quickly. They were great.
Anita was very professional and quickly got me a policy that was affordable. Important to me is that I can quickly get in touch with my agent. Anita was always available quickly. They were great.
