Business Details
Emergency
services
Your Trusted Insurance Partner in Southwest Florida
At State Insurance USA, our unwavering commitment to safeguarding what matters most to our clients drives every decision we make. Founded on principles of integrity and community service, we specialize in delivering comprehensive personal, business, and specialty insurance solutions tailored to the unique needs of individuals and organizations across Southwest Florida. Our team of licensed professionals brings decades of combined experience in property, casualty, and risk management, ensuring clients receive expert guidance in selecting coverage that aligns with their specific circumstances.We prioritize transparent communication, competitive pricing, and personalized service, fostering long-term relationships built on trust and reliability. Through our State Insurance Cares initiative, we actively support local nonprofits, reinforcing our dedication to strengthening the communities we serve. With multiple office locations and a client-centric approach, we stand ready to provide the dependable coverage and responsive support that have become hallmarks of our agency.
Services
Auto Insurance
Homeowners Insurance
Flood Insurance
Business Insurance
Workers Compensation
Umbrella Policies
Boat Insurance
RV Insurance
Condo Insurance
Mobile Home Insurance
Highlights and features
- We offer personalized insurance solutions tailored to individual and business needs
- Our team provides 24/7 claims support during hurricane season emergencies
- We maintain A+ ratings with major insurance carriers for reliable coverage
- Our agency donates $150,000+ annually to local community organizations
- We guarantee competitive pricing across 30+ insurance carriers
What people say
Excellent service
Prompt claims processing
Dedicated staff
Knowledgeable agents
Community involvement
Services
Auto Insurance
Our auto insurance policies protect against vehicle damage, liability claims, and uninsured motorists. We offer customizable coverage options including collision, comprehensive, and roadside assistance. With access to multiple carriers, we help clients find competitive rates while ensuring adequate protection for personal and commercial vehicles.
Homeowners Insurance
We provide comprehensive homeowners insurance covering structural damage, personal property loss, and liability claims. Policies include protection against hurricanes, windstorms, and other common risks in Southwest Florida. Our agents help clients understand coverage limits and deductible options to ensure proper protection for their primary residences.
Flood Insurance
Specialized flood insurance policies protect against water damage from storm surges and heavy rainfall. We offer coverage through the National Flood Insurance Program and private carriers, with options for residential and commercial properties in high-risk flood zones across Southwest Florida.
Business Insurance
Our business insurance solutions include property, liability, and professional coverage for companies of all sizes. We offer tailored packages for specific industries, including general liability, cyber liability, and surety bonds. Policies protect against property damage, legal claims, and business interruption risks.
Workers Compensation
We provide workers' compensation insurance meeting Florida's legal requirements for businesses with employees. Coverage includes medical expenses and lost wages for work-related injuries or illnesses. Our agents help companies navigate compliance requirements and select appropriate coverage limits based on industry risk factors.
People
Blake Chapman
Agent/Owner
Second-generation insurance professional with Property & Casualty license and construction industry certifications. Graduate of Florida Gulf Coast University with over 15 years local insurance experience. Specializes in property risk assessment and community-focused insurance solutions.
Josh Chapman
Insurance Agent
Licensed agent with decade-long experience in personal and commercial insurance. University of Florida finance graduate specializing in policy customization for homeowners and small businesses. Active member of Summit Church in Estero.
Vanessa Badel
Insurance Professional
Colombia-born agent with five years of Florida insurance expertise. Focuses on community outreach and personalized client education. Holds advanced certifications in policy analysis and risk management strategies for residential clients.
Mike Fahnlander
Senior Insurance Advisor
30-year insurance veteran transitioning from automobile and life insurance industries. Specializes in complex policy structures and senior client needs. Provides mentorship to newer agents while maintaining active client relationships.
Ann Marie Keyser
Customer Service Specialist
Maryland native with three years of insurance claims expertise. Recognized for resolving policy reinstatement cases during hurricane seasons. Combines medical industry experience with insurance knowledge to assist clients with complex coverage needs.
Questions
What types of personal insurance do you offer?
We provide auto, homeowners, flood, boat, RV, motorcycle, umbrella, rental property, renters, condo, and mobile home insurance policies tailored to Florida residents' needs.
How do I file a claim during hurricane season?
Contact our 24/7 claims line at (239) 567-9992 or use our online portal for immediate assistance. Our team prioritizes emergency claims and provides expedited processing during active hurricane events.
Can I customize business insurance packages?
Yes, we create tailored commercial packages combining property, liability, cyber, and workers' compensation coverage to match specific industry requirements and risk profiles.
Do you offer insurance for high-risk properties?
We provide specialized coverage options for properties in flood zones and high-wind areas through multiple carriers, including both NFIP flood policies and private market solutions.
How does your community giving program work?
Our State Insurance Cares program donates to two local charities monthly and hosts annual events distributing additional funds to Southwest Florida nonprofits through random selection.
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