Sarasota, FL
Insurance Agency
From downtown Sarasota to Siesta Key to North Port — Bulls Insurance Group serves all of Sarasota County with expert coverage for homeowners, renters, businesses, boaters, and retirees.
Insurance Built for Sarasota, FL
Coastal properties, barrier islands, a large retirement community, and a growing contractor market — Sarasota has unique insurance needs and we know them well.
Homeowners Insurance
High-value home coverage for Sarasota's coastal, barrier island, and golf community properties.
Flood Insurance
NFIP and private flood options for Sarasota County's Gulf Coast and bay-front properties.
Contractors Insurance
GL, workers' comp, and bonds for Sarasota trades, builders, and specialty contractors.
Boat & Marine
Agreed value marine policies for boats in Sarasota Bay, Siesta Key, and Gulf waterways.
Renters Insurance
Affordable coverage for Sarasota renters starting at $15/month — fast, same-day binding.
Auto Insurance
Personal and commercial auto for Sarasota drivers with competitive multi-carrier rates.
Medicare & Annuities
Medicare Advantage, supplements, and annuity planning for Sarasota's large retiree population.
Commercial Insurance
BOP, commercial property, and liability for Sarasota businesses of all sizes.
We Understand Sarasota's
Unique Risks
Barrier islands need specialty markets. Siesta Key, Longboat Key, and Casey Key properties often can't get written by standard carriers. We have access to specialty coastal programs designed for these addresses.
Sarasota has one of Florida's largest retiree populations. Medicare planning here is complex — lots of options, lots of doctors, lots of providers. We compare every plan against your specific situation, not just the plans we earn the most commission on.
Post-storm coverage gaps are real. We helped dozens of Sarasota County clients after Helene and Milton — and the #1 issue was flood coverage gaps. We proactively review your coverage so you're not caught surprised after the storm.
What Sarasota Clients Say
“Running a roofing crew in Florida is risky enough. Bulls built me a GL and workers' comp package for less than I was paying before — and I actually understand what I'm covered for now.”
“I moved to Sarasota for work and had no idea my landlord's policy covered nothing I owned. Bulls got me renters coverage same day for less than $20/month.”
“I was overwhelmed switching to Medicare at 65. My agent at Bulls spent over an hour explaining every option, never rushed me, and helped me pick a Plan G that fit my doctors.”
Common Questions from Sarasota Clients
Is homeowners insurance more expensive in Sarasota than other Florida cities?
Sarasota County properties — especially on Siesta Key, Longboat Key, and near the bay — carry higher premiums due to coastal wind exposure and storm surge risk. However, having a wind mitigation inspection can significantly reduce your premium. As an independent agency, we compare 30+ carriers to minimize what you pay for maximum protection.
Do Sarasota homes on Siesta Key or Longboat Key need special insurance?
Yes. Barrier island properties have unique underwriting requirements — many standard carriers will not write them. We have specialty market access for high-value coastal homes and can structure both wind and flood coverage appropriately for barrier island addresses.
Are there good Medicare Advantage options in Sarasota County?
Yes — Sarasota County has a robust Medicare market with multiple Advantage and Supplement carriers. Because we work with 8+ Medicare plan providers, we can compare your options based on your specific doctors, medications, and budget rather than recommending just one carrier.
Can I get same-day renters insurance in Sarasota?
Absolutely. Renters insurance in Sarasota typically binds same-day and starts at around $15/month. Call us or fill out our quote form and we can have your policy number within hours.
Does Bulls Insurance Group serve all of Sarasota County?
Yes. We serve all of Sarasota County including the City of Sarasota, Siesta Key, Longboat Key, Venice, Osprey, Nokomis, North Port, Englewood, Lakewood Ranch, and all surrounding communities.
Get a Free Sarasota
Insurance Quote Today
We serve all of Sarasota County. Real advice, 30+ markets, and local expertise you won't find at a call center.