What is agreed value auto insurance?

Agreed value means the insured amount is locked in upfront — not subject to depreciation. In a total loss, you receive the full agreed value with no negotiation. This is essential for Lamborghinis, Ferraris, Rolls-Royces, and collector vehicles whose market values don't follow standard depreciation curves.

Can I insure a car collection under one policy?

Yes. We schedule entire collections — exotic daily drivers, stored classics, and weekend cars — under a single policy with the right usage classifications and agreed values for each vehicle.

Do you insure classic and antique cars in Florida?

Yes. We place collector and classic car insurance throughout Tampa, Sarasota, Clearwater, and across Florida — including mileage-based programs for vehicles driven occasionally and full-coverage programs for regularly driven classics.

Auto — Personal Lines

Your vehicle is an asset. Insure it like one.

A Lamborghini Huracán, a 1967 Shelby GT500, a Rolls-Royce Ghost — these aren't commodities. They require agreed value coverage, specialized repair networks, and insurers who understand what these vehicles are actually worth. Hendrickson Insurance places luxury and collector auto coverage throughout Tampa, Sarasota, and the Gulf Coast.

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Vehicles We Cover

If it's exceptional, we know how to insure it.

Exotic & Supercar

Lamborghini, Ferrari, McLaren

Lamborghini Huracán and Urus. Ferrari 488, Roma, and SF90. McLaren 720S and Artura. These vehicles require carriers who understand performance specifications, OEM parts requirements, and the true replacement cost of an exotic vehicle in Florida's market.

Ultra-Luxury

Rolls-Royce, Bentley, Aston Martin

Rolls-Royce Ghost, Phantom, and Cullinan. Bentley Continental GT and Flying Spur. Aston Martin DB11 and Vantage. Bespoke vehicles require bespoke coverage — agreed value, authorized dealer repair requirements, and worldwide coverage for owners who travel.

Performance Luxury

Porsche, Mercedes AMG, BMW M

Porsche 911, Taycan, and Panamera. Mercedes-AMG GT and G-Wagon. BMW M5 and M8. High-performance vehicles need more than a standard personal auto policy — especially when they're garaged alongside other valuable assets.

Collector & Classic

Classic Cars & Collectibles

1960s muscle cars. Prewar classics. Limited-production models. Collector vehicles require agreed value policies — not ACV — so you're paid exactly what your vehicle is worth, not what a depreciated market says. Annual mileage programs available for garage queens.

Agreed Value

Why Agreed Value Matters

Standard auto policies pay actual cash value at the time of loss — which depreciates your vehicle over time. Agreed value policies lock in the insured amount up front. No depreciation. No negotiation. You receive the full agreed value in the event of a total loss.

Multi-Vehicle

Collection Scheduling

Own multiple vehicles? We schedule entire collections under a single policy structure — luxury daily drivers alongside weekend classics and stored collectibles — with the right usage classifications and storage coverage for each vehicle in the garage.

Service Area

Placing coverage from Tampa Bay to Venice.

Tampa

South Tampa, Hyde Park, Westshore, and greater Hillsborough County.

St. Pete & Clearwater

Pinellas County's luxury vehicle owners along the Gulf Coast.

Bradenton

Lakewood Ranch, Bradenton, and eastern Manatee County.

Sarasota & Venice

Sarasota, Osprey, Nokomis, Venice, and North Port.