Business Details
50+ Years
experience
Your Trusted Insurance Partner in Fort Walton Beach
Harris Insurance has been a family-owned independent insurance agency since 1965, serving Florida residents with personalized service. Our team of ten licensed agents brings over 125 years of combined experience, offering competitive rates through partnerships with 150+ national insurance companies. We prioritize client relationships over sales, ensuring comprehensive coverage without hidden fees. Our agents receive ongoing training to stay current with market trends and provide tailored solutions for auto, home, life, and business insurance.Recognized for excellence, we were voted Best Customer Service 2019 by VIP Destin Magazine and maintain the largest market presence in Northwest Florida. Our commitment to innovation, demonstrated by our 2023 Agent for the Future award, ensures clients receive cutting-edge insurance solutions. We advocate for policyholders during claims and guarantee immediate policy activation when needed.
Services
Auto Insurance
Homeowners Insurance
Business Insurance
Life Insurance
Workers Comp
Boat Insurance
Details
- Year established: 1965
Highlights and features
- We offer over 55 years of experience in the insurance industry
- Our team provides personalized service with over 125 years of combined experience
- We partner with 150+ top-rated insurance companies for competitive rates
- We guarantee no hidden fees or upcharges for our service
- We provide 24/7 personalized customer support
What people say
5 star customer service
Extremely helpful agents
Best quote available
Prompt response times
No hidden fees
Services
Auto Insurance
Our auto insurance policies protect against bodily injury, property damage, and uninsured motorists while offering comprehensive coverage options. We provide towing, rental reimbursement, and accident forgiveness with personalized discounts for safe driving, multi-vehicles, and good students. Our agents help clients understand policy nuances and secure optimal protection for their vehicles and financial security.
Homeowners Insurance
We offer tailored homeowners insurance covering property damage, personal belongings, and liability protection with optional endorsements for flood, wind, and water backup. Our policies include ordinance and law coverage, service line protection, and personal injury coverage. We help clients navigate Florida-specific risks and secure appropriate coverage for coastal properties and unique home features.
Business Insurance
Our business insurance solutions include property coverage, liability protection, and specialized policies for cyber risks, employment practices, and workers' compensation. We provide business interruption coverage and tailored options for coastal operations. Our agents help businesses secure comprehensive protection against industry-specific risks while optimizing premium costs through strategic policy structuring.
Life Insurance
We offer term, whole, and universal life insurance policies to protect families' financial futures with customizable death benefits. Our solutions include mortgage protection, key person insurance, and estate planning tools. We help clients understand policy features like cash value accumulation and flexible premiums while securing coverage that aligns with their long-term financial objectives.
Boat Insurance
Our boat insurance policies cover physical damage, liability, and wreck removal for various watercraft including yachts and jet skis. We provide coverage for personal belongings and equipment on board while offering specialized protection for fuel spills and medical payments. Our agents help clients secure appropriate coverage for Florida's unique waterway risks and recreational boating needs.
People
C. Whit Harris II
President
C. Whit Harris II leads Harris Insurance Services as President, continuing the family legacy established in 1965. With over 50 years of industry experience, he has modernized the agency through technology integration while maintaining personalized service. His leadership focuses on client advocacy and market innovation.
Cyrus Harris
Founder
Cyrus Harris founded the agency in 1965, establishing its reputation for integrity and client-focused service. His vision created a foundation for three generations of family leadership. Though retired, his principles continue guiding the agency's operations and customer service approach.
Garrett Harris
Agent
Garrett Harris represents the third generation of family leadership at Harris Insurance. With extensive training in modern insurance practices, he combines traditional values with contemporary solutions. His client-centric approach emphasizes transparency and comprehensive coverage explanations.
Questions
What types of insurance do you offer?
We provide auto, home, life, business, workers' compensation, and boat insurance policies tailored to Florida residents' needs.
How quickly can I get a quote?
Our agents typically provide quotes within an hour of initial contact through our first-available agent system.
Do you offer bundling discounts?
Yes, we provide multi-policy discounts for combining different insurance types under one account.
Can I modify my policy after purchase?
Policy changes require written authorization and can be processed via phone, email, or mail with proper documentation.
What payment methods do you accept?
We accept cash, checks, money orders, and major credit cards for down payments at our office location.
How are claims handled?
We advocate for policyholders during claims while coordinating directly with insurance companies for resolution.
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