Business Details
50+ Years
experience
Your Trusted Insurance Partner in Fort Walton Beach, FL
Harris Insurance has been a trusted independent insurance agency since 1965, serving Florida residents with personalized auto, home, life, and business insurance solutions. As a third-generation family-owned business, we prioritize customer service, offering competitive rates through partnerships with over 150 national insurance companies. Our team of ten licensed agents, with 125+ years of combined experience, provides tailored coverage advice and has earned recognition for excellence, including Best Customer Service 2019 by VIP Destin Magazine.We focus on long-term client relationships, ensuring transparency, no hidden fees, and advocacy during claims. With offices in Fort Walton Beach, we serve communities across Florida, from the Panhandle to the Keys, combining local expertise with nationwide resources.
Services
Auto Insurance
Homeowners Insurance
Business Insurance
Life Insurance
Boat Insurance
Workers Comp
Details
- Year established: 1965
Highlights and features
- Over 55 years of experience serving Florida insurance needs
- 10 licensed agents with 125+ years of combined industry expertise
- Awarded Best Customer Service 2019 by VIP Destin Magazine
- Represents 150+ top-rated national insurance companies for competitive options
- No hidden fees or upcharges for our services
What people say
Competitive rates
5 star customer service
Extremely helpful agents
Prompt service
Highly recommend
Services
Auto Insurance
Harris Insurance provides comprehensive auto insurance solutions with coverage options including bodily injury, property damage, uninsured motorist protection, and rental reimbursement. Our policies help protect drivers financially in case of accidents, theft, or natural disasters. We offer competitive rates through partnerships with 150+ insurers and provide discounts for safe driving, multi-vehicle policies, and vehicle safety features.
Homeowners Insurance
Our homeowners insurance policies protect Florida properties against perils like storms, water damage, and liability claims. Coverage includes personal property, ordinance and law compliance, service line protection, and additional endorsements for high-value items. We help clients navigate Florida-specific risks and ensure adequate coverage through our expertise with over 150 insurance carriers, offering competitive rates and personalized policy adjustments.
Business Insurance
Harris Insurance offers tailored business insurance solutions including property, liability, workers' compensation, and cyber liability coverage. We serve Florida businesses with policies that protect against operational risks, property damage, and legal claims. Our agents specialize in finding cost-effective solutions for diverse industries, leveraging relationships with 150+ insurers to provide comprehensive protection and risk management strategies.
Life Insurance
We offer term, whole, and universal life insurance policies to secure families' financial futures. Our solutions cover funeral expenses, debt settlement, income replacement, and estate planning needs. With access to top-rated carriers, we provide customized policies that align with clients' long-term goals, ensuring peace of mind through competitive pricing and expert guidance on policy features.
Boat Insurance
Our boat insurance policies protect yachts, jet skis, and other watercraft with liability, physical damage, and wreck removal coverage. We offer customizable options for personal watercraft, including fuel spill liability and equipment protection. With expertise in Florida's waterway risks, we provide competitive rates through multiple insurers and ensure comprehensive protection for recreational and commercial marine assets.
People
C. Whit Harris II
President
C. Whit Harris II leads Harris Insurance as President, continuing the family legacy since 1965. Certified as an Insurance Counselor, he modernized operations while maintaining personalized service. With decades of experience, he focuses on client relationships and industry innovation.
Cyrus Harris
Founder
Cyrus Harris established the agency in 1965 as a local independent insurance provider. His vision created a family-owned business emphasizing trust and customer-centric service. Though retired, his legacy continues through the third-generation leadership team.
Garrett Harris
Agent
Garrett Harris contributes to Harris Insurance's team of experienced agents, providing personalized insurance solutions. With expertise in Florida's insurance market, he helps clients secure comprehensive coverage while upholding the agency's commitment to exceptional service.
Questions
What payment methods does Harris Insurance accept?
We accept cash, check, money order, Discover, Visa, and MasterCard for down payments. Installment payments are handled directly by insurance companies.
When does my insurance coverage start?
Coverage begins immediately upon receiving your signed application and payment. Electronic signatures are available for instant activation.
How can I make changes to my policy?
Contact us via phone, email, fax, or mail with your policy number and specific requests. Changes require authorization from both you and the insurance company.
Can I get insurance for a home-based business?
Yes, we offer specialized coverage for home-based businesses to protect your equipment, liability, and operations.
Do you offer 24/7 customer service?
Our office hours are Monday-Friday 8:00 AM-5:00 PM CST, but we offer emergency contact options for urgent claims assistance.
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