As I recently discussed in my guest Safeco blog, independent insurance agents are not tied to any one carrier, so we can provide you with quotes from many different ones. We research their entire insurance channel to compare insurance prices, go over the options with you personally and make sure you get the right coverage for your needs. That might mean your auto policy is with one carrier and your renters insurance is with another. This flexibility helps you get the best auto insurance rates and coverage. Not to mention, getting personal insurance advice is a huge advantage to anyone, but especially to someone purchasing insurance for the first time.

Since Pablo Beach is an independent insurance agent, we provide you with this flexibility and offer access to the following, top 5 carriers in Florida:

Tower Hill Insurance Group

Tower Hill has provided Florida homeowners insurance since 1972 and are still owned by their founding family.  In fact, for the 2004 and 2005 hurricane seasons, Tower Hill processed 150,000 claims with a total payout of $2.2 billion. That’s a claim every 3.5 minutes and nearly $240,000 every hour!

Each Tower Hill company has earned a Financial Stability Rating® (FSR) of A (Exceptional) from Demotech, and as the largest homeowners insurer in Florida, they have the resources to give you peace of mind they will be  there after a major disaster. That’s why more than 1.7 million Floridians have chosen Tower Hill to protect their homes.

They have more than 400 Florida-based employees ready to respond in the event of a major disaster, and their Customer Service Representatives are on-hand so you speak to a person – not a machine – when you need them most.

American Strategic Insurance

As one of Florida’s top companies to work for, 6 years running, ASI holds sacred the promise they make to their policyholders when they purchase an ASI policy. Their objective is to minimize the disruption to your lives after a loss, whether catastrophic or routine.

Their core values are Attitude (a positive and respectful Attitude toward their customers, partners and fellow employees), Speed (in responding to the changing requirements of their customers and partners) & Innovation (dedication to a constant search for better ways to do things), which help them provide the highest level of service at all times. These core values permeate every aspect of their business and support their promise, when losses occur, to assist their policyholders with understanding, compassion, speed and fairness.

It’s no wonder they’ve been selected as one of Florida’s top companies to work for 6 years running:  their treatment of their policyholders extends to their employees, so you know they practice what they teach.

American Integrity Insurance Group

ASI is founded and conducts itself on six key values:  integrity, commitment, teamwork, humility, passion, and fun.

Integrity means they always strive to conduct themselves in an honorable fashion.  Their actions follow their words – period. As a domestic Florida-only insurance company, they live and work in Florida so they take their commitment to their policyholders very seriously.   Their people are talented, customer-focused and compassionate in delivering service to their policyholders. They believe modesty creates a better solution by asking others for help and discard unnecessary pride. Humility demands they seek the right solution even when it may not be readily obvious.  Their passion comes from their strong belief that pursuit of integrity opens opportunity for continued personal growth. Collectively, the management team has devoted its career within the insurance industry.  They find ways to create smiles, laughter and, together, have fun.

American Integrity has received an “A” (Exceptional) Financial Stability Rating from Demotech, Inc. With a robust reinsurance program in place you can be certain of their long term stability and commitment to policyholders. They carefully manage their geographic spread of risk in order to maintain our pricing discipline. They value stability over growth and will be there when you need them.


Safeco has been protecting individuals and families with personal insurance coverage since 1923. When it comes to some of your biggest investments, like your home, car or maybe even your boat, they know that trust matters. From the smallest fender-bender to a storm-damaged home, they’re standing ready at life’s trying moments. Safeco is there for you at any time and any day of the week.

With a comprehensive range of insurance coverage and expert advice from local independent agents, they make it simple to protect what’s important to you and easy to get the best mix of coverage and pricing.

At Safeco Insurance, they promise to make it easy for you, to provide the coverage you need, to connect you with local agents who offer personal advice, and – most of all –  to be there for you.

Heritage Insurance

Heritage Insurance Is Based In Clearwater, Florida.  They offer home, condo, rental property, and commercial residential insurance through a large network of experienced independent agents. Their team is committed to providing homeowners with the highest quality property insurance along with some of the most competitive rates in Florida.

The management team at Heritage has over 500 years of combined experience in the Florida Homeowners Insurance market. They understand the importance of customer service, which is why their staff is always available to handle any question or claim. They know the importance of getting families back to normal as quickly as possible.

Heritage Insurance is more than an insurance company, they are active members of the Florida community.   Heritage’s slogan — Pillars of Strength and Character — highlights their ethics and core beliefs. Chief among these beliefs is their commitment to support their local communities.

Let’s Talk

Wether you are shopping for car insurance, or simply want another opinion, the helpful professionals at PBIG are here to help!

Get an Auto Quote