Local St. Petersburg, Florida insurance coverage that fits your family & business needs, with a team that knows your name.
Home, storm surge, and flood insurance in St. Petersburg, Florida
St. Petersburg fills the southern end of the Pinellas peninsula between Tampa Bay and the Gulf, from its downtown waterfront and museums to Old Northeast, Snell Isle, and the Pinellas beaches.
Surge and wind from Helene and Milton
In 2024, Hurricane Helene's storm surge flooded Shore Acres, Snell Isle, and other low-lying neighborhoods, and Hurricane Milton tore the roof fabric off Tropicana Field. We quote flood insurance separately and explain how your hurricane deductible applies.
Older homes and the 50% rule
Many St. Petersburg homes were built before modern codes. If repairs after a storm exceed half of a home's value, floodplain rules can require elevation or rebuilding, so we look closely at dwelling limits and ordinance or law coverage on every homeowners policy.
Condos, boats, and waterfront living
We write condo coverage for downtown and waterfront buildings, insure boats at local marinas, and offer umbrella policies for households with more to protect.
Your insurance team for St. Petersburg, Florida
We work with St. Petersburg households and business owners, and also serve nearby Clearwater, Largo, Pinellas Park, Gulfport, and St. Pete Beach, along with communities across Florida.
Bundle home, auto & umbrella.
Bundling opens up more carriers, more coverage options, and better rates. We’ll stack every discount you qualify for.
On the road (and the water)
Daily drivers, weekend toys, and everything with a motor or a sail.
Under your roof
Owners, renters, landlords, and the place you’re still building.
Everything else that matters
The people, pets, and treasures you’d never want to replace.
Protection for every side of your business.
Every business is different. We partner with you to build a clear insurance and risk plan that lowers risk, manages cost, and lets you move ahead with confidence.
General Liability
Covers injuries on your premises and business activities that damage someone else’s property. Same-day coverage available.
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Business Owners Policy
An affordable way to bundle general liability and commercial property insurance into one policy.
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Commercial Auto
Covers vehicles used for business, like delivery trucks or service vans, including accident liability and physical damage.
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Workers’ Compensation
Required by law in most states. Covers medical bills, lost wages, and rehab costs for on-the-job injuries.
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Cyber Liability
Helps pay data breach costs, including legal fees, customer notifications, and credit monitoring for anyone affected.
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Professional Liability
Also called E&O. Covers claims from professional errors, negligence, or malpractice.
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Commercial Property
Protects your building, inventory, furniture, equipment, and fixtures from fire, theft, vandalism, and natural disasters.
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Builders Risk
Protects structures under construction from fire, theft, and vandalism, plus on-site materials, equipment, and supplies.
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Elye exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals.
Michael Urbano · Founder, Elye Insurance
Your trusted insurance advisor in St. Petersburg, Florida providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in St. Petersburg, Florida.