State Insurance

What State Insurance does

State Insurance is a family-owned, full-service independent insurance agency headquartered at 5815 Argerian Dr, Suite 102 in Wesley Chapel, Florida, serving the broader Tampa Bay Area across markets including Clearwater, St. Pete, Brandon, Sarasota, and Venice. The company distributes six core product lines—Home, Auto, Business, Boat, Flood, and Life Insurance—by brokering policies on behalf of more than 30 insurance carriers, with no proprietary underwriting or proprietary technology platform of its own. Coverage spans Florida-specific risks such as flood insurance through the National Flood Insurance Program and private flood carriers, boat/watercraft coverage, and standard personal lines (home, auto, life) plus commercial packages for small businesses including contractors, restaurants, and condominium associations.

The business model is commission-based: agents earn carrier commissions on policies bound through the agency, with pricing determined by individual risk factors and carrier underwriting rather than by State Insurance itself. Go-to-market is sales-led and multi-channel, combining direct agent consultations via phone (888-FL-INS-24, 813-345-4647) and in-person meetings, website-driven quote requests through stateinsuranceonline.com, organic social presence on Facebook and LinkedIn, and a partner referral program targeting mortgage lenders, real estate professionals, and financial advisors who route clients to the agency. The company employs 1-10 staff, has not raised outside capital, and operates without a parent company or institutional ownership, functioning as a self-funded local independent agency.

The firm does not disclose revenue, management team details, or specific carrier partner names, and its technology stack consists of standard industry tooling rather than proprietary systems. Competitive positioning rests on independent-agency status (representing 30+ carriers for comparison shopping), cross-line bundling across personal and commercial lines, and local service depth in the Tampa Bay market rather than on technology differentiation or scale economies.

Name

State Insurance

Legal name

State Insurance Online

Website

https://stateinsuranceonline.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

State Insurance is a family-owned independent insurance agency in Wesley Chapel, Florida, brokering home, auto, business, boat, flood, and life policies through 30+ carriers for consumers and small businesses across the Tampa Bay Area.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

akta.pro secondary industries

Personal Auto Insurance (FSAJAMAA), Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA), Standalone Umbrella Liability (FSAJANAE), Umbrella Insurance (FSAJAMAK)

Keywords

• Independent insurance agency
• Home insurance brokerage
• Auto insurance
• Commercial insurance
• Life insurance

Headquarters

HQ city

Wesley Chapel

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Policy Commissions: State Insurance generates revenue through commissions earned from selling insurance policies. As an independent agency representing over 30 insurance companies, they earn commissions when customers purchase home, auto, business, boat, flood, and life insurance policies that meet their coverage needs and budget.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

State Insurance is a family-owned, full-service independent insurance agency that sells home, auto, business, boat, flood, and life insurance policies to customers in the Tampa Bay Area. As an independent agency, they represent over 30 insurance carriers and earn commissions by advising customers and placing their coverage with the carrier that best matches each customer's budget and risk tolerance. Licensed agents assist customers in selecting and bundling policies across personal and commercial lines.

Product overview

State Insurance is a family-owned, full-service independent insurance agency providing a portfolio of insurance products across six core offerings: Home Insurance, Auto Insurance, Business Insurance, Boat Insurance, Flood Insurance, and Life Insurance. The agency operates as a broker representing over 30 insurance carriers, allowing them to tailor policies to individual customer budgets and risk tolerances. Each product line offers specific coverage types and optional endorsements that can be combined into customized packages.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Insurance Home insurance coverage protecting primary homes, secondary and seasonal homes, condo units, and rental properties. Coverage includes dwelling protection, personal property, loss of use, personal liability, and medical expenses. Intended for residential property owners in the Tampa Bay Area.
• Auto Insurance Auto insurance coverage for cars, motorcycles, motor homes, and recreational vehicles. Includes liability coverage, uninsured motorist, personal injury protection, medical payments, comprehensive, collision, towing, and rental reimbursement. Targets Florida drivers needing to meet state insurance requirements.
• Business Insurance Business insurance packages including commercial vehicles, buildings, umbrellas, workers compensation, general contractors, business owners, restaurants, condominium associations, flood coverage, professional liability, homeowners associations, and bonds. Built for small to mid-sized commercial enterprises across multiple industries in the Tampa Bay Area.
• Boat Insurance Boat and watercraft insurance covering hull and motors, accessories, trailers, watercraft liability, medical coverage, collision, and towing for vessels used for fishing or cruising. Designed for boat owners in Florida waters.
• Flood Insurance Flood insurance coverage through the National Flood Insurance Program and private flood insurance carriers, protecting single family homes, condominiums, renters contents, and business property. Fills the coverage gap left by standard home and business policies in flood-prone Florida areas.
• Life Insurance Life insurance products including term life (10, 15, 20, and 30 year terms), whole life, and universal life insurance with flexible coverage and premium options from multiple A-rated insurance companies. Intended for individuals and families seeking long-term financial protection.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Over 30 Insurance Carriers (Unnamed Partners)coreOthersState Insurance represents over 30 insurance companies that have the ability to tailor policies to meet customer budget and risk tolerance. These carrier partners provide the coverage options that enable the agency to offer competitive pricing and diverse coverage choices to customers in the Tampa Bay Area.

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• Brightway Insurance: Florida-headquartered franchise independent insurance agency offering home, auto, and commercial coverage from multiple carriers. Directly comparable to State Insurance in independent multi-line agency model and Florida footprint, though operating at much larger scale via franchising.
• Goosehead Insurance: Independent insurance agency franchisor that places home, auto, and other lines through a panel of carriers. Closely mirrors State Insurance's independent multi-carrier agency model, but operates nationally and at materially larger scale.
• Insurance Office of America: Large Florida-based independent insurance agency providing home, auto, commercial, and life coverage through multiple carrier partners. Comparable multi-line independent agency with shared Florida geographic roots.

Others

• Trusted Choice: Network/marketing brand for independent insurance agents and brokers across the U.S. State Insurance displays the Trusted Choice logo, indicating membership in this independent-agent ecosystem that supports customer referrals.

Regional players

• Bankers Insurance Group: Florida-focused property and casualty insurance carrier that writes many of the same home and auto lines State Insurance brokers. A relevant regional counterparty and potential carrier partner for a Tampa Bay independent agency.
• Universal Insurance Holdings: Florida-based property and casualty insurance holding company underwriting homeowners and auto coverage through its carriers. A relevant Florida insurance counterparty and potential carrier partner for a Tampa Bay independent agency.

Broad incumbents

• Progressive: One of the largest U.S. auto and home insurance carriers, offering direct-to-consumer and agent-channel distribution. Competes for the same Florida personal lines customers State Insurance serves, though typically at much larger scale and lower cost.
• GEICO: Major U.S. personal lines insurer with strong Florida auto and home presence. Direct-to-consumer model competes with State Insurance on price and convenience for the same Tampa Bay households.

Emerging players

• Lemonade: Digital-first insurtech offering renters, home, auto, and pet insurance primarily through a mobile/online experience. Represents the direct-to-consumer model that threatens traditional agencies like State Insurance over time.
• The Zebra: Online insurance comparison marketplace letting consumers quote home and auto across multiple carriers. A digital alternative to the in-person independent-agency model State Insurance relies on for new customer acquisition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/stateinsfl
• LinkedInlinkedin.com/company/state-insurance

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about State Insurance