Insurance Coverage for Sarasota, Florida
Sarasota's insurance market has seen significant changes since recent hurricane seasons. Carriers have tightened underwriting on Gulf Coast properties, making it more important than ever to work with an agent who can access multiple carriers and find competitive options. Roof condition, construction year, and flood zone are the primary rating factors in this market.
At Sentinel Insurance, we serve Sarasota residents from our Fort Lauderdale headquarters. We write policies throughout Florida and have the carrier relationships to find coverage in markets where some agents struggle. Same-day quotes, personal service, real answers.
Coverage We Offer in Sarasota
Auto Insurance
Florida-compliant coverage with competitive rates. Multi-car discounts, SR-22 filing, and full protection options.
Homeowners Insurance
Hurricane-ready coverage built for South Florida. Wind mitigation credits, competitive hurricane deductibles.
Condo Insurance (HO-6)
Walls-in protection for your unit. We review your HOA's master policy to ensure no gaps.
Flood Insurance
NFIP and private flood options compared side by side. Your homeowners policy doesn't cover flooding.
Umbrella Insurance
$1M+ in extra liability protection for ~$200/year. Covers beyond your auto and home limits.
Renters Insurance
Protect your belongings and meet lease requirements for ~$15/month. Your landlord's policy doesn't cover you.
Boat Insurance
Coverage for powerboats, sailboats, jet skis, and yachts. Agreed value options, hurricane haul-out.
Business Insurance
General liability, BOP, workers' comp, commercial auto, and more. Custom packages for Sarasota businesses.
Barrier Island Coverage
Properties on Siesta Key, Longboat Key, Lido Key, and other barrier islands face the highest wind and flood exposure in the Sarasota area. These properties often need separate wind policies and private flood insurance to get adequate coverage at a reasonable price. We specialize in finding the right combination of carriers for coastal properties.
Areas We Serve in Sarasota
We provide insurance coverage throughout Sarasota County, including downtown Sarasota, Siesta Key, Longboat Key, Lido Key, Palmer Ranch, Lakewood Ranch, University Park, Osprey, and all surrounding communities.
Why Sarasota Residents Choose Sentinel Insurance
We're not a national call center. We're a local Fort Lauderdale agency that specializes in Broward County and the surrounding areas. When you call us, you get a real person who knows the South Florida market, understands the unique risks of living in Coral Springs, and will take the time to explain your options clearly.
We offer same-day quotes during business hours, bundle discounts when you combine multiple policies, and ongoing service that doesn't disappear after the sale. Whether you live in Sarasota full-time or own a vacation property on the keys, we'll make sure your coverage is comprehensive and competitively priced.