Business Details
Your Trusted Florida Insurance Partner
Harr & Associates Insurance is an independently owned and operated insurance agency headquartered in Largo, Florida. With over a decade of experience serving West-Central Florida, we specialize in delivering comprehensive insurance and risk management solutions tailored to individuals, families, and businesses. Our three strategically located offices ensure convenient access to our services, while our commitment to personalized attention sets us apart in the industry. We pride ourselves on our deep understanding of Florida's unique insurance needs, offering competitive pricing and direct access to specialized agents without the use of call centers. Our team of professionals brings extensive local expertise to every client interaction, ensuring that coverage solutions align precisely with individual requirements. By maintaining strong community ties and focusing on long-term relationships, we have built a reputation for reliability and exceptional service quality.Our dedication to client satisfaction is reflected in our 24-hour response guarantee for quote requests and our proactive approach to policy management. As an independent agency, we work with multiple carriers to secure optimal coverage options at affordable rates. Our comprehensive service portfolio includes home, auto, flood, business, life, and specialty insurance products, all supported by expert guidance. Through continuous monitoring of client policies and industry developments, we ensure our clients remain protected against evolving risks while maximizing value. This combination of local knowledge, technical expertise, and personalized service defines our approach to insurance solutions.
Services
Home Insurance
Auto Insurance
Business Insurance
Flood Insurance
Life Insurance
Umbrella Insurance
Recreational Vehicle Insurance
Commercial Insurance
Property Insurance
Condo Insurance
Highlights and features
- We offer personalized insurance solutions tailored to Florida residents' needs
- Our team has over a decade of experience serving West-Central Florida
- We provide direct access to specialized agents without call center intermediaries
- We maintain strong community ties and local market expertise
- We guarantee 24-hour response times for quote requests
What people say
Accommodating, professional, helpful, quick
Surprisingly flexible and in-touch with needs
Agent willing to provide this level of service
Never once had to worry about coverage
Strong ties with the community
Services
Home Insurance
Our home insurance policies protect Florida residents' most valuable investments against fire, theft, vandalism, and natural disasters. We offer customizable coverage options including property insurance, renters insurance, condo insurance, and mobile home insurance. Our specialists help clients tailor policies to their specific needs while ensuring optimal protection at competitive rates.
Business Insurance
We provide comprehensive business insurance solutions protecting Florida companies against property damage, liability claims, and operational disruptions. Our offerings include commercial property insurance, general liability, business owners policies, and workers' compensation. Our specialists work closely with clients to create customized risk management strategies that match their specific industry requirements and budget constraints.
Auto Insurance
Our auto insurance services cover personal and commercial vehicles throughout West-Central Florida. We offer collision, comprehensive, liability, and accident forgiveness coverage options. As an independent agency, we work with multiple carriers to find clients the best combination of coverage and price, with options to bundle policies for additional savings.
Flood Insurance
We specialize in flood insurance solutions for Florida properties, offering both building and contents coverage. Our policies protect against flood-related damage to structures, electrical systems, and personal belongings. We help clients understand their flood risk and secure appropriate coverage through the National Flood Insurance Program and private carriers.
Life Insurance
Our life insurance products provide financial protection for families and businesses in the event of an untimely death. We offer term life, whole life, and specialized policies like mortgage protection and key person insurance. Our agents help clients determine appropriate coverage amounts and policy types based on their unique financial circumstances and family needs.
People
Kimberly Harr
President
Kimberly Harr leads our agency with over 15 years of insurance industry experience. She specializes in commercial risk management and has helped numerous Florida businesses secure comprehensive protection. Her leadership focuses on maintaining our community commitment while driving innovation in insurance solutions.
Doug Harr
Vice President
Doug Harr oversees our personal lines insurance division with extensive expertise in property and casualty coverage. He has been instrumental in developing our personalized approach to client service, ensuring every policyholder receives tailored advice and competitive pricing for their home and auto insurance needs.
Questions
What types of insurance do you offer?
We offer home, auto, flood, business, life, umbrella, recreational vehicle, and commercial insurance, along with specialty products like wedding insurance and notary services.
How can I get an insurance quote?
Request a quote through our website or call us directly at 727-393-9146. Our agents will provide personalized options within 24 hours.
Do you serve areas outside Largo?
We serve all of Pinellas, Hillsborough, Pasco, Manatee, Sarasota, Charlotte, Lee, and other Florida counties from our three local offices.
How do I file an insurance claim?
Visit our website to find the appropriate claims contact number or call our main office directly for immediate assistance with your claim submission.
Are your agents licensed and trained?
Our team includes licensed professionals with decades of combined experience in insurance sales and risk management specific to Florida's unique requirements.
Can I bundle multiple insurance policies?
Yes, we offer multi-policy discounts when you combine home, auto, business, or other insurance products with our agency.
