First Class Insurance Agency
407 US Highway 17-92 W, Haines City, FL 33844
View this agency's profile to learn more about their services.
Loading...
City directory
Haines City households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
407 US Highway 17-92 W, Haines City, FL 33844
View this agency's profile to learn more about their services.
295 Patterson Rd, Suite 101, Haines City, FL 33844
View this agency's profile to learn more about their services.
105 U.S. Hwy 17-92 N, Haines City, FL 33844
View this agency's profile to learn more about their services.
535 U.S. Hwy 17-92 W, Haines City, FL 33844
View this agency's profile to learn more about their services.
2610 Trinidad Rd, Haines City, FL 33844
View this agency's profile to learn more about their services.
740 W Main St Bldg 1, Ste 2, Haines City, FL 33844
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Haines City residents.
Complete guide to auto and home insurance in Haines City. Learn about Florida's no-fault laws, hurricane risks, and local agents near LEGOLAND.
Home InsuranceHaines City home insurance averages $2,135/year—well below Florida's average. Compare rates, understand flood risks, and save on coverage in this guide.
Car InsuranceHaines City auto insurance guide: Florida's no-fault PIP requirements, Polk County rates, US-27 coverage needs, and major 2026 changes you need to know.
Haines City's rates are affected by several factors: the high volume of tourist traffic on I-4 and US-27 due to proximity to LEGOLAND and Disney, Florida's high rate of uninsured drivers, and recent weather-related claims from hurricanes. Urban density and auto theft rates in Central Florida also contribute. Statewide, Florida saw a 25.5% rate increase in 2023, and Haines City residents may pay around $321 monthly for full coverage.
Yes, you should strongly consider it. Haines City has FEMA X-zone areas, which aren't in the 100-year floodplain but can still flood during severe events. Hurricane Milton in October 2024 caused flooding throughout Polk County. Flood insurance through the National Flood Insurance Program is relatively affordable in low-to-moderate risk areas, and it's the only way to protect yourself from flood damage since standard homeowners policies exclude it.
Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability. Florida is a no-fault state, meaning your PIP covers your injuries regardless of who caused the accident. Unlike most states, Florida doesn't require bodily injury liability coverage for all drivers, though it's highly recommended since the minimums won't cover serious accidents.
Bundle your auto and home policies with the same carrier for a 15-25% discount. Install hurricane shutters, impact-resistant windows, or a fortified roof to qualify for wind mitigation discounts. Increase your deductible if you have emergency savings. Update your home's electrical, plumbing, and roofing to reduce risk. Also, shop around annually—Florida's insurance market is competitive, and rates vary significantly between carriers.
Local agents offer significant advantages in Haines City. They understand Polk County's specific risks, know which neighborhoods are prone to flooding, and can recommend carriers with strong claims performance after hurricanes. They can also help you navigate Florida's complex insurance market and bundle policies for discounts. While online quotes are convenient, a local agent provides personalized service when you need it most—like after a major storm.
Your PIP coverage will pay for your medical expenses up to $10,000 regardless of fault, but it won't cover property damage or costs beyond that limit. This is why uninsured motorist coverage is crucial in Florida, where many drivers lack adequate insurance. Without it, you could be stuck paying out-of-pocket for repairs and medical bills that exceed your PIP limits, even though the accident wasn't your fault.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network