Windward Insurance
A Comprehensive Line Of Coverages

Homes

©Denise Kappa/Dollar Photo Club

“Homeowner’s Insurance” covers much more than just a house! We also offer coverages that include:

Primary Residences

Seasonal Second Homes (“Snowbirds”)

Rental Properties – Including multiple properties

Vacant and Properties For Sale

Older/Smaller Homes

Renter’s Insurance – Covers your contents

Lightning

Hurricane

Catastrophic Ground Collapse (included with most policies)

Mobile Homes – Homes up to 40 years old, located on your property or in a mobile home park

Mobile Homes – Coverage also available if you rent your mobile home to someone else

Give us a call to discuss YOUR unique situation!

Please click here to request more information.

Automobiles

Man driving his car

Windward Insurance has the Automobile coverage you need!

Property Damage

Liability

PIP

Medical Payments

SR 22 Required Coverage

FR 44 Required Coverage

Non-Owner Coverage – Insurance if you don’t own your own car

Superior Claims Service By Our Carriers

Loan/Lease Pay-Offs

Commercial Autos

Give us a call to discuss YOUR unique situation!

Please click here to request more information.

Classic Cars

baby blue

Windward Insurance knows you are passionate about your classic car. Windward Insurance owner Tony Smith is also a classic car enthusiast! We understand your needs and concerns when it comes to protecting your classic auto. We offer coverages based on your stated value of your classic or highly modified vehicle.  We have the coverages you need, and the knowledge and experience necessary to ensure you are adequately protecting your classic car.

Tony would also love to hear about your special car, and tell you about the car he is currently restoring!

Please click here to request more information.

Commercial Auto

commercial vans in rowWindward can insure a full range of commercial vehicles:

  • Automobiles
  • Pick Up Trucks
  • Delivery Vans
  • Semi Tractors and Trailers
  • Dump Trucks
  • Artisan Service Vehicles
  • Food Trucks

Give us a call – we will provide you with a free quote for your commercial vehicles. Please click here to request more information.

Personal Umbrella

senior husband and wife under an umbrella

Windward Insurance offers Personal Umbrella protection with policy limits available up to $5,000,000. A Personal Umbrella offers an additional layer of liability protection over your auto, homeowners, boat, rental property, and liability policies. (Underlying policies must be in force with proper limits.)

Give us a call so we can discuss how a personal umbrella can provide you with the vital protection of increased personal liability limits!

Please click here to request more information.

Boats

©Stuart Monk/Dollar Photo Club

Windward Insurance offers a comprehensive range of coverages for your watercraft. We can insure boats up to 50 feet in length, and values up to $250,000. The broad acceptance of our carriers of many types of watercraft include fishing boats, runabouts, sail boats, and personal watercraft. The coverages offered include: property damage, liability, bodily injury, uninsured boater, and medical payments. We even have coverage available for pets injured on an insured watercraft!

Give us call and we will provide a personalized quote tailored to your needs! Please click here to request more information.

RV’s

Class C Motorhome

We write a complete line of coverages for your RV or travel trailer, including property damage, liability, vacation liability, and pet injury. Coverage can be written to your stated value of the equipment. Questions about insuring your RV or travel trailer? Give us a call, we are here to help! Please click here to request more information.

Motorcycles

©Warren Goldswain /Dollar Photo Club

Windward Insurance has all the lines of coverage you need to operate your motorcycle in Florida, including bodily injury, comprehensive and collision, medical payments, and uninsured motorist.

Give us a call for a great rate on comprehensive coverage.

Please click here to request more information.

Golf Carts

©Monkey Business/Dollar Photo Club

Windward insures golf carts! Whether you drive your golf cart only off-road, or you it is licensed to drive on the streets, we can write the coverages you need. We offer property damage, liability, bodily injury, comprehensive, and collision. We also offer coverage that extends to any additions or customizations you have made to your cart.

Give us a call for all the information about protecting your golf cart investment.

Please click here to request more information.

Fixed Annuities

Holding piggy bankWe have relationships with all the top-rated fixed annuity companies.  We will search to find the most attractive opportunities for you and present them to you side by side so you can be assured that you are making the best possible decision!

Give us a call – we will provide you with a free quote for your commercial vehicles. Please click here to request more information.

Life Insurance

©DoctorKan/Dollar Photo ClubAs an independent insurance agency, Windward Insurance is aligned with all the most highly rated Life Insurance carriers. We have access to a broad spectrum of carriers and coverages to protect you and your family. Using the same methodology as we do with homeowners or auto insurance, we will work to thoroughly understand your situation. Based on your age, health, etc. we will “shop” our carriers to find you the best coverage at the least cost.

Current historically low interest rates have resulted in many older Life Insurance policies not meeting their projected earnings assumptions. As a result, these policies could lapse at an earlier than expected age of the insured. Some insurance companies might not notify you of such a situation, and your policy could lapse without your knowledge.

We can help you determine if your policy could be in jeopardy. We will review any of your existing life insurance policies and provide a no cost, no obligation assessment of your current coverage.  Call us for a free quote or complimentary evaluation of your policies! Please click here to request more information.

Health Insurance

hastaneWindward Insurance offers you alternatives to the Affordable Care Act policies.  We are independent agents, and we offer you a spectrum of traditional health insurance products.  Give us a call to discuss the health of your health insurance policies, and ensure that you are enrolled in the optimal plan for your situation! Please click here to request more information.

Medicare

Medical doctor holing senior patient's handsWindward Insurance offers a comprehensive range of Medicare supplements.   We also offer an attractive high deductible Medicare Supplement Plan F that affords the same coverages an a traditional Supplement Plan F, but at a much lower monthly payment.

Give us a call to discuss your situation, and the best plan for you for your Medicare supplement insurance.

Please click here to request more information.

Business

Business associates shaking hands in office

Windward Insurance can also protect your business. We offer a full range of business coverages, written through top quality insurance companies!

  • Commercial Liablity
  • Commercial Property and Casualty
  • Commercial Auto
  • Worker’s Compensation
  • Specialty Coverages

We are right in your neighborhood.  Let us provide you with a no-obligation quote for all your commercial insurance needs.  Please click here to request more information.

Special Events

Windward Insurance can provide you with liability insurance for your special events. Available for one-day or multiple day events, special event insurance can be an important addition to your wedding, party, festival, or other event. Coverage can be written for individuals, civic groups, or businesses. Event insurance gives you the peace of mind you need to relax and enjoy your special day! Please click here to request more information.