Business Details
50+ Years
experience
Your Trusted Insurance Partner in Fort Walton Beach, FL
Harris Insurance has been serving Florida residents since 1965, providing comprehensive insurance solutions tailored to meet individual and business needs. As a family-owned, independent agency, we partner with over 150 A-rated national insurance companies to offer competitive rates and diverse coverage options. Our team of ten licensed agents, with over 125 years of combined experience, prioritizes personalized service, ensuring clients receive optimal coverage without hidden fees.We leverage innovative technologies to streamline the insurance process, advocating for clients during claims and maintaining transparency throughout every interaction. With a commitment to community and customer satisfaction, we have been recognized as Best Customer Service 2019 by VIP Destin Magazine and maintain a strong reputation through numerous positive client testimonials.
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 represent over 150 A-rated national insurance companies for competitive options
- Our agents have 125+ combined years of insurance industry experience
- We guarantee transparent pricing with no hidden fees or upcharges
- We advocate for clients during claims and renewal processes
- We offer bundled insurance solutions for personal and business needs
What people say
5 star customer service
More comprehensive coverage
Best quote
Extremely helpful
Low premium
Services
Auto Insurance
We provide comprehensive auto insurance solutions including bodily injury, property damage, and uninsured motorist coverage. Our policies offer protection for personal and commercial vehicles with optional add-ons like rental reimbursement and towing assistance. Our agents help clients navigate coverage options to ensure compliance with Florida's minimum requirements while protecting against financial risks from accidents or theft.
Homeowner Insurance
Our homeowner insurance policies protect against property damage, liability claims, and additional living expenses. We offer standard coverage for single-family homes, high-value properties, and condominium units. Policies include protection against common perils like fire, windstorms, and vandalism while providing liability coverage for accidents occurring on insured properties.
Business Insurance
We offer tailored business insurance packages including general liability, cyber liability, and workers compensation. Our commercial policies protect against property damage, employee injuries, and data breaches. We serve diverse industries with specialized coverage for construction, landscaping, and professional services while providing risk management solutions for Florida businesses.
Flood Insurance
We provide flood insurance through the National Flood Insurance Program and private carriers. Our policies cover structural damage and personal property losses from flooding events. We specialize in coastal property protection and help clients understand flood zone requirements while offering competitive rates for high-risk areas.
Life Insurance
We offer term and permanent life insurance solutions including fixed indexed annuities and long-term care coverage. Our policies provide financial protection for families and business partners through death benefits and cash value accumulation. We work with multiple carriers to find affordable options for clients seeking estate planning or income replacement solutions.
People
C. Whit Harris II
Agency Leader
C. Whit Harris II leads the agency with innovative technologies and over 50 years of combined family experience. He maintains strong relationships with insurance carriers to secure competitive rates while focusing on client advocacy during claims processes.
Questions
How do I request an insurance quote?
You can request a free quote online through our website, call us at (850) 244-2111, or text us at (850) 244-2113. Our agents will help you compare options from 150+ insurance companies.
What types of insurance do you offer?
We provide auto, home, life, business, flood, boat, and workers compensation insurance. Our services include condominium insurance, umbrella policies, and specialized coverage for Florida residents.
Are your agents licensed in Florida?
Yes, we have ten Florida-licensed agents with over 125 years of combined experience. Our team maintains current certifications and stays updated on industry changes to serve clients effectively.
Do you offer 24/7 insurance services?
While we don't provide 24/7 emergency services, our agents are available during regular business hours to assist with policy reviews, claims guidance, and coverage adjustments.
How do you help with insurance claims?
Our agents advocate for clients during the claims process, providing guidance on documentation requirements and communicating with insurance companies to ensure fair and timely resolution of claims.
Can I bundle multiple insurance policies?
Yes, we offer bundling discounts when you combine multiple policies like auto and home insurance. This provides cost savings while maintaining comprehensive protection through a single agency.
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