Business Details
Your Trusted Florida Insurance Partner
Harr & Associates Insurance is an independent insurance agency headquartered in Largo, Florida, serving West-Central Florida for over a decade. We specialize in delivering comprehensive insurance and risk management solutions tailored to individuals, families, and businesses. With three convenient locations, our team of dedicated professionals prioritizes personalized service, ensuring clients receive optimal coverage at competitive rates. Our commitment to community values and direct access to specialized agents sets us apart in the insurance industry. 
Services
Home Insurance
Auto Insurance
Business Insurance
Flood Insurance
Life Insurance
Umbrella Insurance
RV Insurance
Workers Compensation
Highlights and features
- Over a decade of experience serving Florida communities
- Independent agency offering multiple carrier options
- Personalized service with direct access to agents
- Three convenient locations across West-Central Florida
- Comprehensive coverage for individuals and businesses
What people say
Accommodating, professional, helpful
Flexible and in-touch
Level of service
Never once had to worry
Strong community ties
Services
Home Insurance
Protect your home investment with customizable policies covering structural damage, personal belongings, and liability. Our plans address Florida-specific risks like hurricanes and floods, offering replacement cost value and actual cash value options. Policies include coverage for foundations, electrical systems, appliances, and personal property.
Business Insurance
Comprehensive risk management solutions for Florida businesses, including property coverage, liability protection, and workers' compensation. We offer BOP policies, inland marine insurance, and professional liability coverage tailored to industries like retail, construction, and hospitality. Our specialists help combine policies for cost efficiency.
Flood Insurance
Specialized flood protection meeting federal requirements, covering building structures and personal contents. Our policies address Florida's unique flood risks with building coverage for foundations and systems, and contents coverage for furniture, electronics, and valuables. Available through NFIP and private carriers.
Auto Insurance
Customizable auto policies with liability, collision, and comprehensive coverage options. We offer accident forgiveness, roadside assistance, and multi-policy discounts for Florida drivers. Coverage extends to personal and commercial vehicles, including specialized protection for high-value or classic cars.
Life Insurance
Term and permanent life insurance solutions protecting families and business interests. Our offerings include individual policies, group coverage, mortgage protection, and key person insurance. Policies help maintain financial stability through estate taxes, mortgage payments, and business continuity planning.
People
Kimberly Harr
President
Kimberly Harr leads the agency with over 20 years of Florida insurance expertise, specializing in risk management solutions for residential and commercial clients. She focuses on community engagement and personalized policy development.
Doug Harr
V.P.
Doug Harr oversees operations with extensive experience in commercial insurance, helping businesses protect assets and manage liability risks across multiple Florida industries through tailored coverage solutions.
Questions
What types of insurance do you offer?
We provide home, auto, business, flood, life, umbrella, recreational vehicle, and workers' compensation insurance, along with specialty coverage options.
How can I get a quote?
Request a quote online through our website or contact our Largo office directly to speak with a specialized agent about your insurance needs.
Do you serve areas outside Largo?
We serve all of Pinellas, Hillsborough, Pasco, Manatee, Sarasota, Charlotte, Lee, and other Florida counties from our three locations.
Can I manage claims through your agency?
Yes, we assist with claim reporting and coordinate directly with carriers to streamline the process for home, auto, and business insurance claims.
Are you open after regular business hours?
Our offices operate Monday-Friday 9:00 AM - 5:00 PM and are closed weekends. Emergency claim assistance is available through our 24/7 contact line.
Reviews (4)
Patricia Nemeth
Jun 04, 2020
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Kristie at Harr & Associates has been super helpful on numerous occasions. She knows insurance inside and out and can help with any type of business insurance. Thank you for all you do!
Rick Saltarelli
Mar 31, 2020
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Harr and Associates have been covering our travel agency office since 2019. Make sure you have the right coverage for your business. Kristie Mores reviewed my insurance and made suggestions for coverage I thought I had. Friendly staff and they always return their calls.
Tiana Ramirez
Nov 09, 2016
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Hands down the best. Super professional, fast and patient with new small businesses! Highly recommend!!!
Dustin Secor
Apr 05, 2016
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The team at Harr and Associates is well prepared to tackle any of your insurance needs. We use them for our homeowners, car, boat, life and business insurance. They always go above and beyond! One thing I… find especially helpful is that each year on renewal they actually go out and find options that usually save me money rather than just sending me a renewal notice like my last agent did. Super friendly, super professional! What more could you ask for.
