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Harr & Associates Insurance, Inc.

Delivering Home, Auto, Flood & Business Insurance in Largo, FL & Surrounding Communities 

We’re an independently owned and operated agency in Largo, Florida, and we deliver comprehensive insurance and risk management solutions to individuals, families, and businesses.  Serving West-Central Florida for almost a decade, we’re dedicated to giving every client the most value and greatest insurance experience possible.  We have three locations to conveniently serve our service areas as well as special programs to meet any of our clients’ needs.

We’re appointed with more than 25 insurance companies, maintaining longstanding relationships with each of them.  As a result, we can get any coverage that a client needs at the best price.  We can also tailor policies and/or packages to each client’s specific needs.  We’re specially authorized through The Hartford to offer products through their AARP partnership program.  We are also a Trusted Choice agent. 

Home & Auto Insurance

Home and auto insurance are two vital parts of any Floridian’s insurance portfolio and they’re essential parts of anyone’s life.  Our home and auto programs are vast and diverse, providing all the protection that one needs for minimal costs.

To save on home and auto insurance, consider bundling policies for these two types of insurance. This gives you a multi-line policy and makes you eligible for discounts and benefits that can’t be found with standalone policies.  See our home & auto page and/or speak with an agent to learn more.

For Floridians, home insurance should be considered in tandem with flood insurance.  See our flood insurance page to learn more.

Business Insurance

Businesses throughout Florida need protection against exposures.  At Harr & Associates, we have an expansive business program that provides all of the protection that any commercial enterprise needs.  From basic coverages like business owners policies (BOPs) and commercial general liability (CGL) to additional coverages like inland marine and umbrella, we have the coverages necessary to keep an operation secure.

We also offer programs for specific industries, including contracting. We also have a specially designed program for condo associations, an industry we serve in ways that no other agency in our area can. To learn more about our specialized condo association program, speak with an agent.

Business insurance, like home insurance, should not be purchased without consideration for flood insurance.  See our commercial flood insurance page for more details. 

Community Involvement

Delivering effective, valuable products and personalized services are the best things we can do to help the communities we serve become better places to live and work.  However, we contribute to these communities in other ways as well.  We’re members of the Florida Association of Independent Agents (FAIA) and the Oldsmar Upper Tampa Bay Regional Chamber of Commerce.  Through these organizations, we get to know other businesses well and help make the commercial environments of our service areas healthier.

We also participate in and support local events and activities that celebrate the areas we serve and help these areas grow.  We’re proud to do this and we’re always looking for new ways to contribute in any way we can.

A Little Bit More About Us

We believe in giving each client the most value and best insurance experience possible.  To ensure that this happens, we provide services that augment our products and make purchasing, maintaining, and using insurance easy.  We manage risk and claims, as well as provide ongoing education.  This helps clients reduce costs and gives them advocates if and when claims are filed.  It also helps clients have the information they need to make the most advantageous decisions about their insurance, including the best investments. 

We monitor policies regularly and contact clients before annual reviews.  This ensures that coverages and policies are always current and therefore effective, and that rates are always appropriate.  We're also fully available, which means that clients can reach us whenever and in whatever way they need.  In fact, two of our owners are in the office during working hours at all times and available to help and answer questions.  Via text, email, phone, and/or one-on-one interactions, we’re available.

Please contact us or give us a call to learn more or get started.  If you’re ready to begin a policy, feel free to request a quote.

Need to Report a Claim? Click HERE to find the number that you may need, when reporting your claim. 


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Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.

Our Locations

Harr & Associates Insurance, Inc. - Largo

11401 Seminole Blvd
Largo, FL 33778
Main office: 727-393-9146
Toll free: 855-427-7123

Harr & Associates Insurance, Inc. - Palm Harbor

3466 Tampa Road
Palm Harbor, FL 34684
Main office: 727-771-1716

Harr & Associates Insurance, Inc. - Port Charlotte

20020 Veterans Blvd, Ste 16
Port Charlotte, FL 33954
Main office: 941-235-2100

Our Providers