🌴 Florida's Independent Insurance Agency

BAY
INSURANCE

We Rise Above the Khaos!

Protecting Florida homes, families, and businesses for over 10 years. Home, flood, auto, and commercial insurance — all in one place.

💬 Chat with JAX Get a Free Quote
20+
Years of Experience
5000+
Families Protected
100+
Insurance Carriers
24/7
AI Support

Why Bay Insurance

BUILT FOR FLORIDA.
BUILT FOR YOU.

We know Florida insurance inside and out — flood zones, hurricane coverage, Citizens, NFIP. We shop all the carriers to find you the best rate.

🏠
Home Insurance
HO-3, HO-6, condo, and renters insurance. We find the right coverage for your property at the best price.
🌊
Flood Insurance
NFIP and private flood options. We help you understand your flood zone and get the right protection.
🚗
Auto Insurance
Personal and commercial auto. We shop multiple carriers to get you covered at the right price.
🤖
AI-Powered Service
JAX, our AI assistant, is available 24/7 to answer your questions and connect you with our team instantly.
🌴
Florida Specialists
20+ years navigating Florida's unique insurance market. We know Citizens, FEMA, sinkhole coverage, and hurricane season.
🤝
Independent Agency
We work for you, not the insurance companies. We shop multiple carriers and always put your best interest first.

Meet JAX

YOUR 24/7
INSURANCE
ASSISTANT

Ask JAX anything about home, flood, auto, or commercial insurance. He speaks English and Spanish and connects you with Francisco directly.

Get a Free Quote →
JAX — Bay Insurance AI
● Online now
Hey! I'm JAX 👋 I can help with home, flood, auto, and commercial insurance questions. What can I help you with today?

What Our Clients Say

TRUSTED BY FLORIDA FAMILIES

★★★★★

"Francisco helped me navigate the whole Citizens insurance process after my previous carrier dropped me. Saved me hundreds and I feel protected."

MR
Maria R.
Tampa, FL
★★★★★

"Best insurance agency in the area. They actually answer the phone and know what they are talking about. JAX even answered my questions at 11pm!"

JD
James D.
Clearwater, FL
★★★★★

"Hablan español y entienden las necesidades de nuestra comunidad. Francisco consiguió un precio increíble para nuestro seguro de hogar e inundación."

CL
Carlos L.
St. Petersburg, FL

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