Independent agency in South Tampa since 2004
We shop 14 carriers. You keep the best fit.
Home, auto, flood and boat coverage for Tampa Bay families, explained in plain English. Most quotes come back within one business day.
4.9 average612 client reviews
Saved $640 a yearMaria R., Westchase. Home and auto bundled.
- 14carriers compared
- 2004founded in South Tampa
- 4,800Tampa Bay clients
- 1 daytypical quote turnaround
What we cover
Coverage for the way Tampa Bay lives
Start with the policy you need today. We look for bundle savings and gaps while we work.
Home
Wind, hail, fire and liability for houses of every age, older roofs included.
Quote homeAuto
Florida PIP, liability and full coverage for every driver in the house.
Quote autoFlood
Separate from home insurance. Most new policies wait 30 days, so start early.
Quote floodCondo and renters
Walls-in coverage, your belongings and liability, priced for your building.
Quote condoBoat
Hull, liability and on-water towing for bay boats, pontoons and sailboats.
Quote boatUmbrella
An extra $1 million or more of liability above your home and auto policies.
Quote umbrellaLife
Term and permanent coverage sized to your mortgage, income and kids.
Quote lifeBusiness
Liability, property, workers' comp and same-day certificates for local owners.
See coverage
How it works
Three steps. One agent the whole way.
- 1
Tell us once
Answer a short form or call. We ask only what carriers need to price your policy.
- 2
We compare carriers
You get two or three options side by side, with prices, deductibles and what each one leaves out.
- 3
You choose. We stay.
We review your policy before every renewal and help with claims. Same agent, same direct line.
Why independent
A one-company agent sells one price list
An independent agent works for you, not for a carrier. Here is what that changes.
| Topic | One-company agent | Harborline |
|---|---|---|
| Carriers quoted | One | Up to 14, side by side |
| At renewal | The price goes up and you call around | We re-shop the market before it renews |
| Older roofs and waterfront homes | Often declined | Specialty carriers that want them |
| When you file a claim | A national call center | Your agent, in your corner |
Some of the 14 carriers we place with
- GulfstoneMutual
- SablewoodIndemnity
- BayfrontCasualty
- CoastwardHome and Auto
- KeelwaterMarine
- EvergroveLife
Plus 8 regional and specialty carriers for older roofs, high-value homes and marine risks.
Hurricane season runs June 1 to November 30
Is your policy ready for a named storm?
The three surprises we see most after a hurricane: the wind deductible, missing flood coverage, and no photos of the home before the storm. Check yours in two minutes.
Open the full checklistQuick policy check
Your progress0 of 4 done
Your agents
Real people with direct lines
Every client gets a named agent. No phone tree and no call center.
Client reviews
What clients say after the paperwork
"Our carrier dropped us over a 17-year-old roof. Alicia found two companies that would write it, and the one we kept costs $310 less."
Home
"After the storm last fall, Daniel had an adjuster at our house in four days and walked us through every line of the estimate."
Claim help
"We run a food truck and needed a certificate for an event by Friday morning. Jerome sent it Thursday afternoon."
Business
Get your quote in about 4 minutes
Tell us what to insure. Your agent calls with options within one business day.