Business Details
Your Trusted Insurance Partner in Clearwater, FL
Simmons Insurance is an independent insurance agency serving clients in Florida with over 65 years of combined industry experience. We prioritize personalized service, treating clients as individuals rather than policy numbers, and work closely with them to identify tailored insurance solutions for personal and business needs. Our team of licensed agents offers access to multiple insurance carriers, ensuring competitive pricing and comprehensive coverage options. As a family-owned business rooted in central Florida, we emphasize honesty, integrity, and community involvement, with Terry Simmons leading operations and leveraging over 40 years of expertise in high-end personal lines coverage. Our commitment to quality service extends to specialized areas like auto, home, flood, and umbrella insurance, with a focus on helping clients secure the best value and protection available. We actively engage with local organizations, including the Suncoast Family YMCA and Rotary Club of Clearwater, reflecting our dedication to community betterment.Clients benefit from our extensive knowledge of Florida-specific insurance challenges, including navigating Citizens Insurance and securing discounts. Our team includes licensed agents like Mackenzie Simmons, Mason Simmons, and Cameron Simmons, who bring decades of experience in customer service, business development, and personal lines insurance. We pride ourselves on being a one-stop office for all insurance needs, offering free consultations and instant online quotes while maintaining a client-centric approach to policy selection. Our reputation for reliability and personalized support has been built over decades, with testimonials highlighting our family-like relationships with clients and dedication to their long-term security.
Services
Auto Insurance
Home Insurance
Condo Insurance
Flood Insurance
Personal Umbrella
Life Insurance
Renters Insurance
Motorcycle Insurance
Highlights and features
- We offer access to multiple insurance carriers for competitive pricing.
- Our team has over 65 years of combined experience in Florida insurance.
- We provide personalized service treating clients as individuals, not policies.
- We specialize in navigating Florida's unique insurance challenges and discounts.
- Our family-owned agency emphasizes community involvement and integrity.
Associations and certifications
- Florida Association of Insurance Agents
- Trusted Choice
What people say
Personalized service
Community involvement
Trusted expertise
Competitive pricing
Family-like relationships
Services
Auto Insurance
We simplify auto insurance selection by comparing policies across multiple carriers to find the best rates and coverage for your needs. Our agents help qualify clients for discounts while explaining coverage options like liability, collision, and uninsured motorist protection. With expertise in Florida's unique insurance requirements, we ensure drivers receive tailored policies that balance affordability and comprehensive protection.
Home Insurance
Our home insurance services address Florida's specific challenges, including hurricane risks and state-mandated coverage. We compare quotes from top-rated insurers to secure competitive rates without compromising coverage quality. Clients receive guidance on navigating Citizens Insurance options and maximizing discounts while ensuring their property and personal belongings remain protected against common risks.
Flood Insurance
We provide flood insurance solutions through the National Flood Insurance Program (NFIP), offering up to $250,000 in residential coverage and $500,000 for businesses. Our team educates clients about flood zone requirements and helps secure policies that protect against Florida's most common natural disaster. We emphasize the importance of proactive coverage since standard homeowners policies don't include flood protection.
Personal Umbrella
Our personal umbrella insurance extends liability protection beyond standard policy limits, safeguarding clients' assets in case of major claims. We help determine appropriate coverage amounts based on individual risk profiles and coordinate with existing auto or home policies. This service provides peace of mind for clients seeking enhanced financial security against catastrophic events.
Life Insurance
We offer life insurance products designed to secure families' financial futures, with options tailored to different life stages and needs. Our agents provide guidance on term and permanent policies, helping clients balance affordability with long-term protection goals. As parents and grandparents ourselves, we emphasize creating customized plans that ensure loved ones' financial stability in unexpected circumstances.
People
Terry S. Simmons
Owner & Lead Agent
With over 40 years in Florida insurance, Terry oversees agency operations and specializes in high-end personal lines coverage. A University of South Florida graduate, he actively contributes to community organizations like the Suncoast Family YMCA and Rotary Club of Clearwater.
Mackenzie Simmons
Customer Service Representative
A licensed agent for nearly 20 years, Mackenzie manages client relations and holds a degree in Exceptional Student Education. She balances family life with five children and church service while providing personalized insurance support to clients.
Mason Simmons
Business Development
With a decade of insurance experience, Mason focuses on new business strategies after managing Orlando's Plaza Live venue. He serves as church music director and builds client relationships from his Dunedin, FL home.
Cameron Simmons
Personal Lines Agent
Cameron specializes in homeowners and auto insurance, leveraging 10 years of Tampa Bay market expertise. He and his wife Tammy, a former Hartford Insurance professional, prioritize family and community in their Holiday, FL residence.
Questions
What types of insurance does Simmons Insurance offer?
We offer auto, home, flood, condo, life, renters, motorcycle, and personal umbrella insurance for individuals and businesses in Florida.
How can I get a discount on my insurance policy?
Our agents help identify available discounts for auto, home, and other policies during your free consultation and quote process.
Is flood insurance required in Florida?
Flood insurance is mandatory for properties in NFIP-designated flood zones, but we recommend it for all Florida homeowners due to hurricane risks.
Can I get a quote online?
Yes, we offer instant online auto and homeowners insurance quotes, or you can call us at 727-216-1111 for personalized assistance.
What makes Simmons Insurance different from other agencies?
As a family-owned business with over 65 years of combined experience, we combine personalized service with access to multiple carriers for competitive pricing.
