Carrollwood, Tampa Insurance Agency — writing all of Florida
Need better insurance? We've got you covered.
When you live in Florida, you know the insurance market all too well. Carriers coming and going, roofs getting flagged, and renewal increases through the roof. We're here to add some sanity to the insurance madness.
Homeowners · Flood · Auto · Boat & Watercraft · Umbrella · Condo · Renters · Motorcycle · RV · Golf Cart & Powersports · Life · Health · Medicare · Disability · High Net Worth · General Liability · Workers Comp · Commercial Auto · Commercial Property · Contractors · Restaurant · Cyber · Professional Liability · Group Benefits
A captive agent has one answer. We have 20.
Agents at the big national brands sell one carrier. When that carrier raises your rate, tightens roof rules, or walks away from Florida entirely, their only move is to hand you the new number. An independent agent moves your policy instead of your expectations.
| What happens when | A captive agent | C & C |
|---|---|---|
| Your rate jumps at renewal | Explains the increase. There is nowhere else to send you. | Re-markets the policy before it bills and brings you the alternatives. |
| Your carrier stops writing Florida | You start over with a new agent and a new set of questions. | You stay put. We move the policy to another carrier we already represent. |
| Your roof turns fifteen | One company’s roof rules decide whether you are still insurable. | We know which carriers still write that roof, and what documentation clears it. |
| You need someone on the phone | A call center queue, then whoever picks up. | Jeff. The same person who wrote the policy. |
Personal and commercial, under one agent. If you own it, drive it, float it, or run payroll on it, it belongs on this list.
Personal
- HomeownersWind, roof age and water exposure read out before you sign.
- FloodSeparate policy, separate map. Most Tampa claims are not covered without it.
- CondoEverything inside the walls the association does not cover.
- RentersThe landlord insures the building. This insures what you moved in.
- AutoReal liability limits instead of Florida minimums, plus uninsured motorist.
- Boat and watercraftHull, motor, trailer, and on-water towing from the Gulf to the Bay.
- MotorcycleAgreed value on custom parts and riding-gear coverage.
- Recreational vehiclesMotorhomes and travel trailers, on the road and parked.
- ATV and powersportsGolf carts, side-by-sides and everything else with a throttle.
- UmbrellaAnother million or more sitting above your home and auto liability.
- LifeTerm, whole and final expense, priced across carriers side by side.
- Health and MedicareIndividual, family, marketplace and Medicare supplement.
- High net worthScheduled jewelry, art, collector vehicles and higher liability towers.
Business
- Business owners policyProperty and liability bundled for a small operation.
- General liabilityThe certificate your customer, GC or landlord keeps asking for.
- Commercial propertyBuilding, contents, equipment and business interruption.
- Commercial autoOwned, hired and non-owned vehicles, plus the trailer behind them.
- Commercial umbrellaExcess limits over your liability, auto and workers comp.
- Workers compensationFlorida class codes, audits and exemptions handled properly.
- ContractorsTrade-specific liability, tools and equipment, and additional insureds.
- RestaurantLiquor liability, spoilage, and the kitchen fire nobody plans for.
- Professional liabilityErrors and omissions for advice, design and service work.
- Cyber liabilityBreach response, ransomware and funds-transfer fraud.
- Group benefitsHealth, dental and life for the people who work for you.
Service from real people, not Ai bots
No phone queue or Ai operators here. The person who sells you the policy is the same one who takes the call when you have a claim. Customer service the way it should be.
4538 West Village Dr, Unit C
Tampa, FL 33624
Weekdays, and most weekends if something has gone wrong.
Our 4-step process for insurance relief.
Get started from our website or by phone. We'll make the process as seamless as possible.
Start a quote-
Tell us what you have
The house, the cars, the boat, the business. A photo of your declarations page skips most of the questions.
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We shop the whole market
Same coverage, every carrier we represent. Limits normalized so you are comparing protection, not just premium.
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You pick, we handle the switch
We cancel the old policy, line up effective dates so there is never a gap, and chase any refund you are owed.
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We re-shop it every renewal
Before the policy bills again, we run the market. If something beats it meaningfully, you hear from us first.
Real feedback from long-time clients.
C & C Insurance responds quickly, which is very important to me. I highly recommend them and I tell all my friends to use them too. I would give them more than five stars if possible.
I feel really good about working with C & C Insurance of Florida and would recommend them to anyone shopping for insurance services.
Serving Tampa for decades.
The office is on West Village Drive, north of Tampa. Our clients are on the same roads, in the same flood zones, under the same roofs that carriers have started asking hard questions about.
That is not a marketing line, it is underwriting. Knowing which neighborhoods a carrier has quietly stopped writing, which roof ages trigger a non-renewal, and which flood zone designation is worth appealing is the difference between a quote and the right quote.
Get started in minutes, not weeks.
We will tell you what is covered, what is not, and whether the market has something better — including when the honest answer is to stay exactly where you are.