Tampa, Florida · Independent Agency Since 2007
One agent. Twenty-plus carriers. Your best rate, found for you.
We don’t work for an insurance company — we work for you. Beacon Point compares quotes across more than twenty carriers to match your auto, home, business, or life coverage to the right policy at the right price. Same coverage question, one call instead of nine.
Coverage Lines
Protection for everything you’ve built
Auto Insurance
Liability, full coverage, classic cars, teen drivers, and rideshare endorsements. Florida minimums are rarely enough — we’ll show you what an extra $12 a month actually buys in protection.
- Multi-car & safe-driver discounts stacked automatically
- SR-22 filings handled same day
Home & Flood
Homeowners, condo, renters, and the flood coverage most Tampa policies quietly leave out. We read the wind-mitigation report so your hurricane deductible doesn’t surprise you in October.
- Wind-mitigation credit review on every quote
- Private flood options compared against NFIP
Business Insurance
General liability, commercial auto, workers’ comp, and professional liability for contractors, restaurants, salons, and shops. Certificates of insurance issued within the hour, not the week.
- BOP bundles that cut 15–25% vs. separate policies
- Annual coverage review as your business grows
Life & Umbrella
Term life that costs less than your streaming subscriptions, and umbrella policies that add a million dollars of liability protection for a few hundred a year. Ten-minute conversation, no medical-exam options available.
- Term, whole, and final-expense compared side by side
- Umbrella quotes bundled with home & auto
The Independent Difference
A captive agent sells one brand. We shop twenty-three.
When a single-carrier agent quotes you, that’s the only number you’ll ever see. When Beacon Point quotes you, our system runs your details across 23 rated carriers and our agents review the top matches by hand — because the cheapest policy isn’t always the right one, and the right one usually isn’t the first one.
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Carriers Compared
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Policies in Force
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Tell us what you’re protecting
Two minutes online or a ten-minute call. We ask the questions carriers care about — and explain why they matter.
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We shop the market for you
Quotes from 20+ carriers within one business day, narrowed to the two or three we’d actually buy ourselves — with the trade-offs explained in plain English.
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One agent, for the life of the policy
Renewals re-shopped every year automatically. Claims guided personally. Questions answered by the person who sold you the policy — not a call center.
Your Local Agent
Meet Carmen Ellery, Principal Agent
Carmen opened Beacon Point in 2007 after eight years inside a national carrier taught her exactly what clients weren’t being told. Nineteen years and three hurricane seasons later, she and her team of five licensed agents have guided more than 900 claims from first call to final check — and she still reviews every new business policy personally.
“My job isn’t selling policies. It’s making sure that on the worst day of your year, the coverage does what I said it would.”
Client Stories
Why clients stay for decades
“Our homeowners renewal jumped 40% and our old agent just shrugged. Carmen’s team re-shopped it, found a carrier that valued our new roof, and cut the premium by $1,100 — with better hurricane coverage than we had before.”
Diane M.
Home + flood · client 6 years
“When a kitchen fire closed my café, I called Roberto at 7 AM. He had the claim opened by 8, an adjuster scheduled by noon, and walked me through the business-interruption paperwork I didn’t even know I had. We reopened in five weeks.”
Andre B.
Business owner · client 4 years
“Two cars, a townhouse, and a new baby — we assumed life insurance would be the expensive part. Twenty minutes with Beacon Point and we had all of it bundled for less than we’d been paying for just the cars. I’ve sent them my whole family.”
Keisha L.
Auto + home + life · client 2 years
Free Quote
See what 20+ carriers would charge you
No cost, no obligation, and no robocalls — a licensed agent (a real one, from the Tampa office) will reply within one business day with your best matches. Most clients hear back the same afternoon.
When It Matters Most
Claims support that picks up the phone
A policy is a promise, and a claim is where that promise gets tested. When you file through Beacon Point, you don’t navigate the carrier alone — your agent opens the claim with you, tracks the adjuster, and pushes back when a settlement offer doesn’t match your coverage.
- 24/7 claim reporting line — carrier hotlines plus our after-hours answering service.
- Storm-season readiness checks — every June we review deductibles and document checklists with hurricane-zone clients.
- Settlement advocacy — 900+ claims guided since 2007, from fender benders to total losses.
Need to File a Claim?
We’ll walk you through it.
Call the office during business hours, or use the 24/7 line after dark. Have your policy number handy if you can — and if you can’t, we’ll look it up.
Call (555) 037-9925After hours: (555) 037-9926 · 24/7 claims line
Common Questions
Insurance, minus the jargon
No — it usually costs less. Our compensation comes from the carriers as a standard commission that’s built into every policy price, whether you buy through an agent or a website. You pay nothing extra for our shopping, advice, or claims support; you just get more quotes to choose from.
That’s our most common phone call — especially in Florida. Send us your renewal notice and we’ll re-shop it across our carriers at no charge. Sometimes the answer is a better carrier; sometimes it’s a wind-mitigation inspection, a deductible adjustment, or a discount your current carrier never applied. Either way, you’ll know your options before the renewal date.
In the Tampa Bay area, we think everyone should at least price it — roughly a quarter of flood claims nationally come from outside high-risk zones, and standard homeowners policies exclude flood damage entirely. Outside mapped zones, private flood coverage often runs a few hundred dollars a year. We’ll quote both NFIP and private options so you can decide with real numbers.
Auto and renters policies can often bind the same day you accept a quote. Homeowners typically takes 1–3 days depending on inspection requirements, and business policies run 2–5 days by line. If you’re closing on a house or signing a lease, tell us the date — coverage-by-closing is a promise we’ve never missed.
An open claim stays with the carrier that held the policy when the loss happened — switching afterward doesn’t jeopardize it, and we’ll keep advocating on it either way. As for loyalty discounts: we run the math for you. If your current carrier’s loyalty pricing genuinely beats the market, we’ll tell you to stay put. About a third of the renewals we review end exactly that way, and we think that honesty is why the other two-thirds move with us.
Have a different question? Call (555) 037-9925 or request a quote and ask along the way.