Hendrickson Insurance
Hendrickson Insurance
Siesta Key is a barrier island built on high value and high exposure. From the guard-gated privacy of Sanderling Club and Bay Island to the walkable heart of Siesta Village and the quieter stretches near Crescent Beach and Turtle Beach, homes here run from historic bungalows to multi-million dollar Gulf-front estates, plus a dense mix of condos and short-term vacation rentals. Much of the island sits in VE and AE flood zones with high wind exposure, and standard carriers often will not touch it. We work the surplus lines and high-value markets built for barrier island risk, plus excess flood above NFIP limits. Call 941-952-7991 and we will shop the full Florida market for you.
Roof age, wind mitigation, and named storm exposure drive every Siesta Key home quote. We shop 30-plus admitted carriers plus surplus lines to place yours.
FloodAll of Siesta 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 Siesta Key home to cut cost.
Condo / RentersSiesta Key condos need an HO-6 policy matched to the association master policy, plus loss assessment coverage. Renting the unit short-term changes your liability and coverage needs. We review the master policy and build your HO-6 around it.
Boat / WatercraftBoating out of Siesta Key means Little Sarasota Bay, Roberts Bay, Big Pass, and open Gulf water. Coverage should match how and where you run the boat. We write hull, liability, and towing for island boat owners.
Golf CartGolf carts and LSVs are everyday transportation on Siesta Key, from Siesta Village to the beach accesses. Most homeowner policies exclude them on public roads. We write dedicated golf cart coverage for liability, theft, and physical damage.
UmbrellaA personal umbrella stacks liability over your home, auto, and boat. Worth it for Siesta 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 Siesta Key owners on the road and in storage during storm season.
Siesta Village runs on small shops, restaurants, and rental properties packed close together. Dennis managed shopping centers before selling insurance, so he knows the exposures landlords and tenants actually face here: liability, business income, and flood on ground-floor space. We build coverage around how the property actually operates, not a generic template.
Commercial PropertyOffice, retail, and mixed-use buildings across Siesta Key. 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 Siesta Key sit in flood zones like the rest of the island. A storm surge can shut a shop down for months. We write commercial flood coverage matched to the exposure.
General LiabilitySlip-and-fall, tenant, and operations exposure for Siesta 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 Siesta Key comp and keep your class codes honest.
BOPA BOP bundles property and liability for Siesta 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 Siesta Key and the surrounding area. We write master property, liability, and D&O for boards navigating the Florida market.
Siesta Key, ZIP 34242, is one of the highest-value barrier island markets on the Gulf Coast. Siesta Village anchors the north end with restaurants, shops, and short-term rental condos packed close together. South of that, Crescent Beach and Turtle Beach run quieter, with a mix of single-family homes, low-rise condos, and gated enclaves like Sanderling Club and Bay Island. A large share of the property here is either a second home, a full-time vacation rental, or both, which changes what the insurance needs to look like.
Most of the island carries VE or AE flood zone designation, with VE running along the Gulf-front where wave action adds to the surge risk. High wind is a given this close to open water. NFIP flood coverage caps out at 250,000 dollars on the dwelling, which does not come close to covering a multi-million dollar Gulf-front home or a high-end condo. That gap gets filled with excess flood coverage layered on top of the NFIP policy.
Our position on flood does not change because a property sits on a barrier island: all of Florida is a flood zone, and NFIP and Wright Flood are the primary market we start with because the federal program does not non-renew you after a claim. Private carriers can and do drop policies after paying out. On Siesta Key, where so many properties are rented short-term, we also make sure the flood and property policy actually match how the home is used, not how it was used the day it was bought.
Getting a Siesta Key home, condo, or rental insured right usually means going outside the standard retail market. We work high-value homeowner carriers built for coastal Florida, surplus lines markets when a property is too exposed for the standard market, and rental-specific coverage for owners running short-term bookings through Siesta Village and along the beach corridors. Dennis managed shopping centers before he sold insurance, so he talks to Siesta Village landlords and rental owners as someone who has run the numbers on a property, not as a salesman. Expect a real conversation about named storm deductibles too. On a high-value home, a 2 to 5 percent deductible can mean tens of thousands of dollars out of pocket, and we make sure you understand that number before a storm, not after.
Ian in 2022 and Helene and Milton in 2024 all reshaped how carriers price and write barrier island property. We track which markets are still writing on Siesta Key and which have pulled back, so you are not guessing. Call 941-952-7991.
Yes. Nearly all of Siesta Key falls in a VE or AE flood zone, and lenders will require it if you have a mortgage. But even paid-off properties need it: all of Florida is a flood zone, storm surge does not check your zone map first. NFIP flood insurance caps at 250,000 dollars on the dwelling, which is not enough for most Siesta Key homes and many condos. We pair NFIP as the base layer with excess flood coverage on top to close the gap.
There is no single number. Cost depends on elevation, roof age and type, construction, wind mitigation features, and whether the property is owner-occupied or run as a short-term rental. High-value homes and rentals usually need surplus lines or specialty high-value carriers rather than standard retail insurance. See our high-value-home-insurance page for how that market works. Call 941-952-7991 and we will get you real numbers from carriers that actually write on the island.
Yes. A short-term or vacation rental needs coverage built for that use, not a standard homeowners policy, which can deny a claim if it finds out the home was being rented. We write rental dwelling policies with liability coverage sized for guest turnover and loss of rents coverage if a storm or claim takes the property offline. If you are renting out any part of a Siesta Key property, tell us before you list it, not after a claim.
Named storm and hurricane deductibles on Florida policies typically run 2 to 5 percent of the dwelling coverage amount, not a flat dollar figure. On a high-value Siesta Key home insured for several million dollars, a 5 percent deductible can mean well over 100,000 dollars out of pocket before coverage kicks in. Ian in 2022 and Helene and Milton in 2024 made that math real for a lot of island owners. We walk through your actual deductible in dollars, not just the percentage, before you bind.
Often, yes. Citizens has a rule that if a private insurer offers coverage within 20 percent of your Citizens premium, you can be required to move to that private policy. On a high-value Siesta Key property, we shop the private and surplus lines markets built for barrier island risk and high-value homes, which frequently beat Citizens on both price and coverage. Send us your current declarations page and we will tell you straight whether a better option exists.
Yes. Golf carts and low-speed vehicles are everyday transportation on Siesta Key, whether you are heading to Siesta Village or one of the beach accesses. Most homeowners policies exclude golf carts used on public roads, which leaves a real gap for an island where carts share the road with cars. We write dedicated golf cart insurance for liability, theft, and physical damage. See our golf-cart page for details.
Or call 941-952-7991 directly. We can quote anything in personal lines or commercial.