Hendrickson Insurance
Hendrickson Insurance
Punta Gorda runs on water. Punta Gorda Isles and Burnt Store Isles wrap around 45 miles of saltwater canals off Charlotte Harbor, with seawalls, boat lifts, and sailboat access to the Gulf built into daily life. This city took a direct hit from Hurricane Charley in 2004 and another from Hurricane Ian in 2022, and every policy we write here starts with that history: high wind exposure, storm surge on the harbor, and canal-front homes that need coverage built for VE and AE flood zones, not a generic template. Call 941-952-7991 and we will shop the full Florida market for you.
Roof age, wind mitigation, and named storm exposure drive every Punta Gorda home quote. We shop 30-plus admitted carriers plus surplus lines to place yours.
FloodAll of Punta Gorda 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 Punta Gorda home to cut cost.
Condo / RentersCondo and waterfront living in Punta Gorda Isles, Burnt Store Isles, and the Historic District downtown near Fishermen's Village comes with HOA master policies, seawalls, and harbor exposure we underwrite correctly the first time.
Boat / WatercraftCharlotte Harbor, the Peace River, and Punta Gorda's canal network make this one of the biggest marine markets on the Gulf Coast. We write boat, PWC, and liveaboard coverage for sailboat and powerboat access canal-front owners.
Golf CartPunta Gorda is one of the most golf-cart-friendly cities in Florida, with street-legal carts common downtown and in Burnt Store Isles and Burnt Store Meadows. We insure LSVs and golf carts against theft, liability, and storm loss.
UmbrellaA personal umbrella stacks liability over your home, auto, and boat. Worth it for Punta Gorda 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 Punta Gorda owners on the road and in storage during storm season.
Dennis managed shopping centers before he sold insurance, so he reads a Punta Gorda strip center the way an owner does. We write property, GL, and loss-of-rent coverage for retail plazas along US-41/Tamiami Trail, Burnt Store Road, and Kings Highway, including Publix- and Home Depot-anchored centers like Burnt Store Marketplace.
Commercial PropertyOffice, retail, and mixed-use buildings across Punta Gorda. We handle coastal wind, roof age, and the surplus lines market that most of downtown now requires.
Commercial FloodCommercial buildings near Charlotte Harbor and the Peace River face real surge risk, not just heavy rain. We place NFIP flood for retail, office, and industrial buildings in Punta Gorda, with excess flood layered on for higher-value properties.
General LiabilitySlip-and-fall, tenant, and operations exposure for Punta Gorda 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 Punta Gorda comp and keep your class codes honest.
BOPA BOP bundles property and liability for Punta Gorda 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 Punta Gorda and the surrounding area. We write master property, liability, and D&O for boards navigating the Florida market.
Punta Gorda covers several distinct markets and we write coverage differently in each one. Punta Gorda Isles (33950) and the Historic District downtown are older, established, close to Fishermen's Village and the Harborwalk. Burnt Store Isles and Burnt Store Meadows (33955) sit south along Burnt Store Road with sailboat-access canals and no bridges to the harbor. Deep Creek (33983) and the inland areas toward Babcock Ranch (33982) sit further from the water and carry different wind and flood ratings.
The canal system here is the whole point for a lot of buyers, and it is also the thing an out-of-state carrier gets wrong. Homes on Punta Gorda Isles and Burnt Store Isles canals have seawalls maintained by the City of Punta Gorda, boat lifts, and direct or near-direct access to Charlotte Harbor and the Gulf. That proximity to open water means real storm surge risk, and this city has lived it twice: Hurricane Charley made a direct hit in 2004 and leveled a huge share of the housing stock, and Hurricane Ian came ashore again in 2022 with roughly seven feet of surge and heavy seawall damage along the canals. Homes on or near the water are commonly rated VE or AE on FEMA flood maps, and that rating drives both premium and what coverage actually looks like.
Every property in Florida sits in a flood zone, hazardous or not, and Punta Gorda is not an exception just because a house sits a few blocks off the canal. We write NFIP flood policies first because the program is taxpayer-backed and does not non-renew you after a claim the way a private carrier can. Wright Flood handles most of our NFIP business. Private flood markets like Neptune have a place, and Lloyd's excess flood layers on top of NFIP limits for higher-value canal homes, but private flood is an excess tool here, not the primary policy.
On the commercial side, Dennis managed shopping centers before he got into insurance, so he looks at a Punta Gorda retail plaza the way an owner does, not the way a call-center agent does. We write property, general liability, and loss-of-rent for centers along US-41/Tamiami Trail, Burnt Store Road, and Kings Highway, including Publix-anchored and Home Depot-shadow-anchored centers like Burnt Store Marketplace. Named storm deductibles on commercial policies here typically run 2 to 5 percent of the building value, and we walk owners through exactly what that means in dollars before binding, not after a claim.
If you own on a canal in Punta Gorda Isles or Burnt Store Isles, run a shop off Tamiami Trail, or just need your homeowners and flood reviewed after a renewal spike, we shop more than 30 carriers plus NFIP and excess flood markets to find what actually fits. Call 941-952-7991.
Yes. All of Florida sits in a flood zone, hazardous or not, and Punta Gorda's risk is not limited to canal-front lots. Charlotte Harbor storm surge and heavy rainfall can flood homes well off the water, including parts of Deep Creek and the Historic District. We write NFIP flood as the primary policy on almost every home we quote here, canal or not.
It depends on the flood zone, elevation, and whether the home has a seawall and boat lift to account for. Most Punta Gorda Isles and Burnt Store Isles canal homes fall into VE or AE flood zones, which raises the flood premium but does not mean the home is uninsurable. We shop more than 30 carriers plus NFIP and excess flood markets and can usually get you a real number within a day. Call 941-952-7991.
Yes, this is a specialty for us. Dennis managed shopping centers before he sold insurance, so he underwrites a retail plaza on US-41, Burnt Store Road, or Kings Highway like an owner, not a form-filler. We write property, general liability, and loss-of-rent for centers including Publix- and Home Depot-anchored plazas. See strip-centers.html for more on how we approach these accounts.
Most homeowners and commercial policies here carry a separate named storm deductible, typically 2 to 5 percent of the dwelling or building value, which applies instead of your regular deductible once a storm is officially named. Punta Gorda has been hit directly twice, by Hurricane Charley in 2004 and Hurricane Ian in 2022, so this is not theoretical here. We show you the dollar amount before you bind, not after a claim.
Often, yes. If a private carrier will write your home at a premium within 20 percent of your Citizens premium, Florida law requires the offer to be considered comparable and you move off Citizens. Charlotte County has more private options coming back into the market now than it did right after Ian. Send us your Citizens declarations page and we will run it against our carrier list at no cost.
Yes. Punta Gorda is one of the most golf-cart-friendly cities in Florida, with street-legal carts a normal sight downtown, around the Historic District, and in Burnt Store Isles and Burnt Store Meadows. We insure both standard golf carts and street-legal LSVs for liability, theft, and storm damage, and we can usually add a cart onto an existing homeowners or auto account. See golf-cart.html for coverage details and to start a quote.
Or call 941-952-7991 directly. We can quote anything in personal lines or commercial.