SARASOTA-MANATEE’S TRUSTED INSURANCE AGENCY
Because insurance should give you options—not limit them.
As an independent agency,
Warner Insurance partners with multiple carriers to give you real options—not limitations.
That means personalized coverage, honest guidance, and a trusted advisor who puts your needs first. We know Florida insurance isn’t simple, from storm exposure to flood requirements and everything in between, so we take the time to help you understand your coverage and feel confident in the protection you choose.
Our Products
Personal Lines
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Protects your home, belongings, and liability in the event of storms, fire, theft, or unexpected damage—giving you peace of mind where it matters most.
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Affordable protection for your personal belongings, interior features, and liability—perfect for renters and condo owners who want simple, flexible coverage.
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Coverage designed for rental properties, protecting your building, liability, and income if your property becomes unlivable due to a covered loss.
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Short-term coverage for homes under construction or renovation, protecting materials, equipment, and the structure from damage during the build.
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Essential protection in Florida—covers flood damage that standard home policies don’t, helping you recover quickly after rising water events.
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Customized coverage for your car to protect you from accidents, injuries, theft, and property damage, with options tailored to your needs and budget.
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Extra liability protection that extends beyond your home and auto policies—ideal for added peace of mind and higher coverage limits.
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Protects your boat, jet ski, or personal watercraft from damage, theft, and liability on the water—perfect for Florida’s boating lifestyle.
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Specialized coverage for motorcycles, motorhomes, travel trailers, and recreational vehicles—whether you're on the road or parked for adventure.
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Covers weddings, parties, and major events against cancellations, liability claims, property damage, and unexpected mishaps.
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Extra protection for high-value items like jewelry, designer handbags, artwork, and electronics—items that need more coverage than a standard policy provides.
Commercial Lines
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Coverage for business-owned vehicles, protecting your drivers, equipment, and operations whether you’re on a job site or the road.
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Essential protection for every business—covers bodily injury, property damage, and legal claims from everyday operations.
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A bundled policy combining general liability and property coverage—perfect for small businesses, retailers, offices, and service professionals.
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Required for many Florida businesses, this protects your employees if they’re injured on the job and protects your business from costly claims.
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Coverage for realtors, consultants, and professionals—protects against mistakes, missed deadlines, or claims that your services caused financial loss.
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Protection for tools, equipment, and property that travels with your business—ideal for contractors, mobile services, and specialty trades.
Financial Services
Warner Insurance partners with a trusted financial professional to offer clients a complimentary financial review. It’s one more way we help you protect not just today—but what you’re building for the future.
INSURANCE… BUT MAKE IT HUMAN
Why Clients Choose Us
✓ INDEPENDENT
& CLIENT-FOCUSED
We work with multiple trusted carriers—not just one—so you get the best coverage options at the most competitive rates.
✓ LOCAL EXPERTISE,
REAL GUIDANCE
Florida insurance can be confusing. We break it down, explain your options clearly, and help you make informed decisions.
✓ WOMAN-OWNED, RELATIONSHIP-DRIVEN
Our approach is warm, approachable, and tailored. You’ll never feel like “just another policy.”
✓ FAST QUOTES
& SEAMLESS SERVICE
From homeowners to auto to flood and everything in between, we make the process easy with quick quotes and ongoing support.
NEW TO FLORIDA? WE MAKE IT EASY.
From homestead exemptions and vehicle titling to navigating flood zones and insurance requirements—
we guide you every step of the way.
