Hendrickson Insurance
Hendrickson Insurance
Longboat Key is a barrier island split between Sarasota and Manatee counties, one road in and out on Gulf of Mexico Drive, and some of the highest property values on the Gulf coast. Most homes sit in VE or AE flood zones with real wind exposure off the open Gulf. Standard homeowners markets do not want that risk, so high-value homes and condos here often move to surplus lines and specialty high-value carriers. NFIP caps out at 250,000 in dwelling coverage, which is nowhere near enough on an island home, so excess flood above that cap is standard practice, not an upsell. Call 941-952-7991 and we will shop the full Florida market for you.
Roof age, wind mitigation, and named storm exposure drive every Longboat Key home quote. We shop 30-plus admitted carriers plus surplus lines to place yours.
FloodAll of Longboat Key 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 Longboat Key home to cut cost.
Condo / RentersLongboat Key condo boards each carry their own master policy, from Longboat Key Club towers to Bay Isles buildings. Your HO-6 has to match that master exactly on walls-in coverage and loss assessment, especially on high-value units.
Boat / WatercraftBoating off Longboat Key means the Gulf, Sarasota Bay, and running Longboat Pass or New Pass to open water. We write yacht and boat coverage sized to real island use, including agreed value on higher-end boats.
Golf CartGolf carts and low-speed vehicles are everyday transportation on Longboat Key, from Bay Isles to the Village. We insure them for road use on Gulf of Mexico Drive and around the island, liability included.
UmbrellaA personal umbrella stacks liability over your home, auto, and boat. Worth it for Longboat Key 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 Longboat Key owners on the road and in storage during storm season.
Commercial space on Longboat Key itself is limited, mostly small retail and restaurants tied to the resorts, plus the St Armands Circle shops just south. Dennis managed shopping centers before he sold insurance, so he reads a retail lease and a commercial property schedule the way an owner does, not a vendor.
Commercial PropertyOffice, retail, and mixed-use buildings across Longboat Key. We handle coastal wind, roof age, and the surplus lines market that most of downtown now requires.
Commercial FloodGround-floor retail and restaurant space on the island sits low and close to water on the Gulf and bay sides. Commercial flood coverage above NFIP limits protects buildout, equipment, and inventory when storm surge floods the first floor.
General LiabilitySlip-and-fall, tenant, and operations exposure for Longboat Key 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 Longboat Key comp and keep your class codes honest.
BOPA BOP bundles property and liability for Longboat Key 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 Longboat Key and the surrounding area. We write master property, liability, and D&O for boards navigating the Florida market.
Longboat Key runs 34228, an eleven-mile barrier island split between Sarasota and Manatee counties with one road, Gulf of Mexico Drive, connecting all of it. Bay Isles, Longboat Key Club, Country Club Shores, Sleepy Lagoon, and the Village at the north end each have their own character, but they share the same exposure: Gulf frontage on one side, Sarasota Bay canals on the other, and some of the highest home and condo values on the Gulf coast.
Most homes and condos on the island sit in VE or AE flood zones. VE runs along the Gulf side, where wave action is part of the FEMA rating. AE covers the bay side canals and lower interior lots. Add in the highest wind exposure on the Sarasota-Manatee coast, since there is open Gulf and open bay on both flanks with nothing to break it, and you have a market that standard insurers price cautiously or decline outright.
All of Florida is a flood zone, hazardous or not, and that is doubly true on a barrier island. We write NFIP and Wright Flood as the primary policy because the federal program does not non-renew after a claim, private carriers sometimes do. NFIP caps dwelling coverage at 250,000, which does not come close to covering a Longboat Key home or high-end condo, so excess flood above that cap on the private market is standard here, not optional.
Insuring the dwelling itself usually means shopping surplus lines and high-value home carriers built for coastal Florida risk, since standard homeowners markets cap out well below what these properties are worth. We look at roof age, elevation, and wind mitigation credits to keep the number honest. Commercial space on the island is limited, mostly resort retail and restaurants plus the St Armands shops just across New Pass, and Dennis managed shopping centers before he sold insurance, so he prices that exposure like an owner, not a form-filler. Named storm deductibles run 2 to 5 percent of dwelling value, and on a multi-million dollar home that is a real dollar figure worth planning for, not a footnote.
Call 941-952-7991 and we will shop the full Florida market for you.
Yes. Longboat Key is a barrier island and most properties sit in VE or AE flood zones, Gulf-side or bay-side. All of Florida is a flood zone, hazardous or not, so even a mortgage-free owner should carry it. We write NFIP and Wright Flood as the primary policy since NFIP is taxpayer-backed and does not non-renew after a claim. NFIP caps dwelling coverage at 250,000, so most high-value homes here also carry excess flood above that cap on the private market.
It varies a lot by construction, elevation, roof age, and wind mitigation credits, but standard homeowners markets generally will not touch these values, so pricing usually comes from high-value home carriers and the surplus lines market built for coastal Florida. We shop that market for you and put together a program that actually matches the home's replacement cost. See our high-value-home-insurance page for more detail, or call 941-952-7991 and we will run real numbers.
Yes. Commercial space on Longboat Key itself is limited, mostly resort retail and restaurants, and St Armands Circle just across New Pass has a busy retail and dining base. Ground-floor space near water needs the right property and flood package, not a generic commercial policy. Dennis managed shopping centers before he got into insurance, so he underwrites retail and restaurant risk like an owner who has signed leases himself. See our strip-centers page for more on how we approach commercial retail.
Most policies here carry a named storm deductible of 2 to 5 percent of the dwelling's insured value, applied separately from the regular deductible, and it only triggers when a storm gets officially named. On a barrier island home worth several million dollars, that percentage translates into a large dollar figure, sometimes six figures, that you pay before coverage kicks in. The 2024 season with Helene and Milton, and Ian in 2022, showed how real that number gets. We walk through the math with you before you bind.
Sometimes. Citizens is meant to be the insurer of last resort, and Florida's 20 percent rule requires policyholders to leave if a private offer comes in within 20 percent of the Citizens premium for comparable coverage. On high-value island homes, private and surplus lines markets can often beat that number once we know the real replacement cost. Send us your declarations page and we will run it against the private market at no cost.
Yes. Golf carts and low-speed vehicles are common transportation on the island, from Bay Isles to the Village at the north end, and they need real liability coverage, not an assumption that homeowners insurance covers them on the road. We write dedicated golf cart policies for Gulf of Mexico Drive and neighborhood use. See our golf-cart page for coverage details, or call 941-952-7991 to get one added to your account.
Or call 941-952-7991 directly. We can quote anything in personal lines or commercial.