Hendrickson Insurance
Hendrickson Insurance
Anna Maria Island is three cities on one barrier island: Anna Maria, Holmes Beach, and Bradenton Beach, ZIP codes 34216 and 34217, between the Gulf of Mexico and Anna Maria Sound. Much of the island sits in VE and AE flood zones with high wind exposure, and 2024's Hurricane Helene surge followed by Hurricane Milton's wind proved it. Vacation rentals outnumber full-time residents along Gulf Drive, Marina Drive, and East Bay Drive, so your policy needs to match how the property is actually used. We place homes, condos, and short-term rentals with high-value, surplus lines, and rental-specific carriers when standard markets won't write the risk. Call 941-952-7991 and we will shop the full Florida market for you.
Roof age, wind mitigation, and named storm exposure drive every Anna Maria Island home quote. We shop 30-plus admitted carriers plus surplus lines to place yours.
FloodAll of Anna Maria Island is a flood zone. We write Wright Flood and NFIP for primary coverage and use private flood only for excess limits above the NFIP cap.
AutoFlorida is a no-fault state with its own PIP rules. We write auto through Progressive and other carriers and bundle it with your Anna Maria Island home to cut cost.
Condo / RentersAnna Maria Island condos need a policy that matches how they're used. Owner-occupied units need standard HO-6 coverage; rental condos need dwelling and loss-of-rents coverage built for short-term turnover on Gulf Drive and Marina Drive.
Boat / WatercraftBoats on Anna Maria Island run through Anna Maria Sound, Tampa Bay, and the Gulf of Mexico, past Cortez fishing village. We write boat and PWC policies sized to real Gulf Coast use, not a generic form.
Golf CartGolf carts and low-speed vehicles are everyday transportation on Anna Maria Island, from Pine Avenue to Bridge Street. We write golf cart liability and physical damage coverage built for real island use, on the road and off.
UmbrellaA personal umbrella stacks liability over your home, auto, and boat. Worth it for Anna Maria Island waterfront owners and anyone with assets to protect.
MotorcycleYear-round riding weather on the Gulf Coast. We write bike coverage with the liability and physical damage limits Florida roads call for.
RV / MotorhomeFrom Class A motorhomes to travel trailers, we write RV coverage for Anna Maria Island owners on the road and in storage during storm season.
Holmes Beach and Bradenton Beach are full of small retail strips, restaurants, and mixed-use rental buildings that need commercial property and liability coverage built for barrier island exposure. Dennis managed shopping centers before he sold insurance, so he reads a rent roll and a flood elevation certificate the same way an owner does.
Commercial PropertyOffice, retail, and mixed-use buildings across Anna Maria Island. We handle coastal wind, roof age, and the surplus lines market that most of downtown now requires.
Commercial FloodGround-floor commercial space and rental units on Anna Maria Island sit low and close to water. NFIP covers the first $250,000; excess flood fills the gap on higher-value buildings and rental income.
General LiabilitySlip-and-fall, tenant, and operations exposure for Anna Maria Island shops, contractors, and service businesses. We write the GL limits your leases and clients require.
Workers CompFlorida requires workers comp for most employers, with construction rules tighter than most. We place Anna Maria Island comp and keep your class codes honest.
BOPA BOP bundles property and liability for Anna Maria Island small businesses at a better rate than buying each line alone. We check whether one fits before quoting monoline.
HOA / HabitationalCondo associations and apartment owners across Anna Maria Island and the surrounding area. We write master property, liability, and D&O for boards navigating the Florida market.
Anna Maria Island is three separate cities packed onto one barrier island at the mouth of Tampa Bay: Anna Maria to the north, Holmes Beach in the middle, and Bradenton Beach to the south, covering ZIP codes 34216 and 34217. You get onto the island by the Manatee Avenue/SR-64 causeway or the Cortez Road/SR-684 bridge, and once you're here Gulf Drive runs the length of the island as SR-789. A big share of the housing stock is vacation rental, not full-time residence, which changes what your insurance policy needs to cover.
Most of Anna Maria Island sits in VE or AE flood zones, and 2024 proved why that matters. Hurricane Helene's storm surge flooded ground-level properties across the island, and Hurricane Milton followed less than two weeks later with sustained winds near 120 mph that tore off roofs and finished what Helene started. NFIP flood coverage caps out at $250,000 on a dwelling, which isn't close to rebuilding cost for most homes and condos here. Excess flood coverage above the NFIP limit is common on this island, not optional.
All of Florida is a flood zone, hazardous or non-hazardous, and Anna Maria Island is squarely in the hazardous category. We write NFIP as the primary flood policy because it's taxpayer-backed and doesn't non-renew after a claim, then layer private excess flood on top for the gap between the NFIP cap and full replacement cost. On a rental property that gap includes loss of rental income, since a vacant unit after a storm still has a mortgage and a management fee due.
Standard homeowners carriers often won't touch a barrier island property, especially a vacation rental. We work high-value and surplus lines markets built for coastal Florida, along with carriers that specifically underwrite short-term and seasonal rentals for dwelling, liability, and loss of rents. Hurricane deductibles on Anna Maria Island policies typically run 2 to 5 percent of the dwelling limit, which on a $1.5 million Gulf-front home is real money, and we walk owners through what that means in an actual claim. Dennis managed shopping centers before he got into insurance, so when he's talking to an owner of a Bridge Street storefront or a Holmes Beach rental duplex, he's speaking as someone who has read a rent roll, not just a policy.
Whether you own a full-time home in Anna Maria, a rental condo in Holmes Beach, or a commercial building in Bradenton Beach, we shop your risk across the carriers that actually write barrier island property instead of running you through one captive company's rate. Call 941-952-7991.
Yes. All of Florida is a flood zone, and most of Anna Maria Island sits in VE or AE flood zones, the highest-risk categories FEMA maps. If you have a mortgage the lender will require it regardless of zone. NFIP flood coverage caps at $250,000 on a dwelling, which fell short for a lot of owners after Hurricane Helene's 2024 storm surge. We write NFIP as primary because it doesn't non-renew after a claim, then add excess flood coverage above the NFIP cap for full protection.
Cost depends on elevation, roof age, wind mitigation, and whether the property is owner-occupied or a rental. Barrier island exposure pushes premiums above mainland Sarasota or Bradenton rates, and higher-value Gulf-front homes often need high-value and surplus lines carriers rather than standard homeowners markets. See our high-value home insurance page for how that market works. The only way to get an accurate number is to run your address, elevation certificate, and roof details through multiple carriers. Call 941-952-7991 and we'll shop it for you.
Yes, and it's most of what we write out here. A vacation rental needs a dwelling form built for rental use, liability coverage that accounts for a rotating cast of guests, and loss-of-rents coverage so a storm-related closure doesn't leave you covering the mortgage with no income. Homeowners policies written for owner-occupied property often exclude short-term rental use entirely, so using the wrong form can mean a denied claim. We place these with carriers that actually underwrite short-term rentals.
Most policies here carry a separate hurricane or named storm deductible, typically 2 to 5 percent of your dwelling coverage limit rather than a flat dollar amount, and it applies before your regular deductible would. On a $1 million home a 5 percent deductible is $50,000 out of pocket before coverage kicks in. Hurricane Helene and Hurricane Milton both hit Anna Maria Island in 2024, and owners who didn't understand their percentage deductible were surprised at settlement. We walk through the real number on your declarations page before you need it.
Often, yes. Citizens has a rule that if a private carrier offers a policy within 20 percent of your Citizens premium, you can be required to take it, and a lot of Anna Maria Island property qualifies once we shop it through high-value and surplus lines markets built for barrier island risk. Send us your Citizens declarations page and we'll run it against the private market to see what's available. Some properties genuinely have no private option yet, but many do and don't know it.
Yes. Golf carts and low-speed vehicles are everyday transportation here, running Pine Avenue, Gulf Drive, and Bridge Street alongside regular traffic, and most homeowners policies don't cover them at all. We write standalone golf cart liability and physical damage coverage, which matters if your cart gets sideswiped in a parking lot or a guest borrows it and causes an accident. See our golf cart insurance page for coverage details, or call 941-952-7991 to add it to your Anna Maria Island policy.
Or call 941-952-7991 directly. We can quote anything in personal lines or commercial.