Hendrickson Insurance
Hendrickson Insurance
Hendrickson Insurance is an independent agency in Sarasota, Florida serving homeowners across Sarasota, Bradenton, Tampa, St. Petersburg, Clearwater, Venice, and Lakewood Ranch. Through Honeyquote and the First Connect aggregator, we shop your coverage across 30+ Florida-admitted carriers. Including Florida Peninsula, Edison, Frontline, and others. So you get the best rate without giving up coverage strength. Most agents quote 3 to 5 carriers; we quote the full Florida market. For a higher-value or waterfront home, ask about our high-value and high-net-worth home insurance with HO5 and private-client coverage.
Your homeowners policy excludes flood. And all of Florida is a flood zone. Just hazardous or non-hazardous. Pair this with a flood policy.
Sarasota, Bradenton, Tampa, and the Gulf Coast sit in the path of some of the most active hurricane corridors in the country. We access Florida-admitted carriers and the E&S market to ensure your dwelling, contents, and additional structures are protected through a named storm. With the right deductibles and loss settlement terms for your home’s value.
Longboat Key, Siesta Key, Anna Maria Island, Casey Key, Bird Key, Davis Islands, Snell Isle, and Clearwater Beach all carry coastal underwriting complexity. We’ve placed coverage on barrier-island properties where most standard carriers won’t quote.
For Florida homes valued above $750,000. And especially above $2M. Standard carriers don’t fit. We work with high-net-worth programs offering guaranteed replacement cost, agreed value, and superior loss settlement terms through carriers like Chubb, AIG Private Client, Pure, and others.
Own more than one Florida property? We can structure a scheduled policy covering your primary residence, vacation home, rental properties, and seasonal properties under a single program.
Not every high-value home is on the water. Inland estates in Lakewood Ranch, Bradenton, east Sarasota, and greater Tampa require careful underwriting for property values, liability exposure, and unique features like equestrian facilities or guest houses.
Every Florida homeowners policy needs flood paired with it. We write through Wright Flood / NFIP for primary, with Lloyd’s excess flood when NFIP limits aren’t enough. More on Florida flood →
Based in Sarasota, Florida, serving the Gulf Coast. Not a call center, not a captive agent. Dennis Hendrickson personally handles every quote and renewal.
Through Honeyquote as our rater and First Connect as our aggregator, we instantly shop 30+ Florida-admitted homeowners carriers in a single quote. Including Florida Peninsula, Edison, Frontline, and many others.
Florida’s homeowners market is hard. Carriers are non-renewing, premiums climbing. If your current insurer is exiting, we can typically place coverage with an admitted carrier the same week.
Downtown, Bird Key, Lido Key, Siesta Key, St. Armands, Palmer Ranch, and surrounding Sarasota County properties.
Anna Maria Island, Longboat Key, Lakewood Ranch, and Manatee County mainland properties.
South Tampa, Hyde Park, Davis Islands, Palma Ceia, Snell Isle, Bayway Isles, Shore Acres, and Pinellas County.
Clearwater Beach, Harbor Bluffs, Venice mainland and barrier islands, and Sarasota County south.
Sits above your homeowners and auto liability. Essential for Florida residents with meaningful assets.
02 / Related CoverageHomeowners excludes flood. All of Florida is a flood zone, hazardous or non-hazardous.
03 / Related CoverageMulti-policy bundling with auto often produces meaningful Florida homeowners discounts.
04 / Related CoverageDifferent policy form for condo unit owners and renters.
Call 941-952-7991 or schedule a 30-minute quote call online.
Hendrickson Insurance shops more than 30 Florida-admitted homeowners carriers in a single quote, through the Honeyquote and First Connect networks, including Florida Peninsula, Edison Insurance, Frontline, and the newer Florida carriers that entered the market after the 2023 reforms. Most agencies in Sarasota and Bradenton work with three to five companies and quote whichever one they are appointed with. We run the whole market, compare the wind and water terms side by side (not just the premium), and tell you which carrier is actually the best fit for the roof age, construction, and location of your home. If your roof is under 20 years old and the home has current wind mitigation and 4-point inspections, you will usually see several competitive options.
Yes. We write coastal and barrier-island homeowners insurance throughout Sarasota, Bradenton, Tampa Bay, St. Petersburg, Clearwater, and Venice, including Longboat Key, Siesta Key, Anna Maria Island, Davis Islands, and Snell Isle. Coastal wind, named storm, and flood coverage are part of every quote we produce.
Start at hendricksonins.com/apply/qualify.html and choose personal lines. It takes about two minutes: the year the home was built, the roof age, and a rough replacement cost, then it opens the household application where you can add auto, flood, umbrella, or a boat in the same form. Your application goes straight to Dennis Hendrickson. He reads it himself and responds personally, usually the same business day and always within 48 hours, by phone or email. If you would rather talk first, call or text 941-952-7991, or email your current declarations page to dennis@hendricksonins.com and he will quote from that. Nothing goes into a queue.
Yes, flood is a separate policy from homeowners insurance in Florida. We write flood coverage through Wright Flood and the NFIP, plus Neptune private flood and Lloyd's excess flood for amounts above NFIP limits. All of Florida is a flood zone, hazardous or non-hazardous.
Send us the non-renewal notice and your current declarations page as soon as you get them. Florida carriers have been non-renewing homes for roof age, claims history, and coastal exposure, and the notice usually gives you 120 days, which is enough time to do this right. Because Hendrickson Insurance shops more than 30 carriers, we can almost always place a home in Sarasota, Bradenton, Venice, or Tampa Bay on an admitted carrier rather than pushing you to Citizens or a surplus lines policy. The two things that make the difference are a roof under 20 years old and current wind mitigation and 4-point inspections. If the roof is the problem, we will tell you that up front so you can decide whether to replace it before the renewal date instead of finding out from a declined application.
Dennis Hendrickson changed a New Jersey state tennis rule at 17 and played four years of Division I tennis at UNC Charlotte. Today he writes both the commercial and the personal insurance for Gulf Coast owners himself, and he works a renewal or a claim the way he played: nothing conceded, no point given away.
When you apply, he answers. Every application goes straight to Dennis. He reads it himself and responds the same business day in most cases, always within 48 hours.
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