Related coverage: Homeowners Insurance, Flood Insurance
TL;DR: B & B Insurance Agency is a family-owned independent agency in Lantana, FL, that has shopped multiple carriers for South Florida residents since 1998. Because they are independent, they are not locked into one company's rates or products. That means your auto, home, flood, boat, and business coverage gets compared across a real marketplace before anyone makes a recommendation.
What B & B Insurance Agency Actually Is
If you have searched for "B & B Insurance Agency" and landed here, you already have the right place. The agency sits in Lantana, right in the heart of Palm Beach County, and has been writing policies for South Florida families and small businesses since 1998.
The difference between an independent agency like B & B and a captive agent comes down to one word: choice. A captive agent can only offer products from a single carrier. An independent agency holds appointments with multiple carriers and can move your policy to a better fit when your situation changes, when a carrier pulls back from the Florida market, or when a competitor offers meaningfully better terms.
In a state where insurance carriers have been entering and exiting the market with regularity, that flexibility is not a small thing.
Family-Owned Means Someone Actually Answers the Phone
Large national call centers route you through automated systems. At B & B, the people who answer are the same people who write your policy and help you file a claim. That matters most when a named storm has just passed through Palm Beach County and you need to know exactly what your policy covers before you start pulling damaged drywall.
It also means relationships. When you call with a question about your homeowners insurance renewal, you are not explaining your situation from scratch every time.
Why Palm Beach County Residents Search for This Agency
South Florida is one of the most complex insurance markets in the country. Homeowners face hurricane wind exposure, flood zone designations that can shift after a FEMA map revision, and Citizens Insurance assessments that affect nearly every policyholder in the state. Auto rates in Palm Beach County reflect dense traffic, high repair costs, and litigation trends that are specific to Florida.
When you add a boat, a golf cart, or a small business to the picture, the number of moving parts grows quickly.
B & B Insurance Agency handles all of it from a single office. That matters because coverage gaps often live at the intersection of policies. A standalone flood insurance policy and a homeowners policy that both seem solid can still leave you exposed if the two are written without coordination.
The Florida Hurricane Calendar Shapes Every Conversation
Atlantic hurricane season runs June 1 through November 30. Most carriers stop processing new homeowners and flood applications once a named storm enters the Gulf or Atlantic and begins threatening Florida, sometimes with as little as 72 hours of notice.
If your renewal is coming up in August or September, waiting until the last minute is a real risk. A new policy that is not yet in force when a storm makes landfall means no coverage for that event.
The practical rule: review your homeowners, flood, and wind coverage no later than May 1 each year. That gives you time to shop, bind, and have documentation in hand before the peak of the season in September.
Want a second look at your Florida homeowners coverage? Get a free home quote
What the Different Policy Types Actually Cover in Florida
This is where a lot of confusion lives, and it is worth being specific. For authoritative guidance on Florida insurance requirements and consumer protections, see the Florida Department of Financial Services.
Homeowners (HO-3 or HO-6) policies cover the structure of your home and your personal property against named perils. Wind damage from a hurricane is typically covered. Storm surge flooding is not. Many standard HO policies also exclude or limit coverage for mold, which becomes relevant after any water intrusion event.
Windstorm coverage in high-risk coastal zones is sometimes written as a separate policy or through Citizens' wind-only program. If you live near the coast in Palm Beach County, confirm whether your wind coverage is part of your HO policy or a separate document. The answer changes your deductible calculation significantly. Hurricane deductibles in Florida are typically percentage-based, often 2 to 5 percent of the insured dwelling value, rather than a flat dollar amount.
Flood insurance is an entirely separate policy, written either through the National Flood Insurance Program (NFIP) or a private carrier. It covers direct physical loss caused by flooding, which FEMA defines as an overflow of inland or tidal waters, or an unusual and rapid accumulation of surface water. It does not cover damage caused purely by wind-driven rain entering through a broken window or roof. That distinction matters when you are filing a claim after a storm hits both ways at once.
If you are in a designated Special Flood Hazard Area and carry a federally backed mortgage, flood insurance is required. But many properties outside mapped flood zones flood regularly. In Palm Beach County, flat terrain and heavy summer rainfall mean properties well outside Zone A still take on water during slow-moving storms.
For boat owners, neither your HO policy nor your auto policy covers a vessel on the water. A dedicated boat insurance policy handles physical damage, liability on the water, and sometimes medical payments for passengers. If you keep a boat on a trailer in your driveway, the trailer may be covered under your auto policy, but the boat itself generally is not.
For golf cart owners in communities like those throughout Palm Beach County, a standard HO policy typically does not cover a golf cart for liability if it causes an accident, even on a private community road. Dedicated golf cart insurance fills that gap. B & B covers standard golf carts. If your cart is registered and driven on public roads, it needs a separate road-use policy; B & B refers street-legal golf carts and LSVs to a specialist for that coverage.
What to Do About It: A Practical Checklist
If you have not reviewed your coverage since your last renewal notice arrived, here is a structured starting point.
Before May 1 each year:
- Pull out your homeowners declarations page and confirm your dwelling coverage limit reflects current replacement costs, not purchase price.
- Check whether wind is included in your HO policy or written separately.
- Verify your hurricane deductible percentage and calculate what that means in dollars at your current insured value.
- Confirm your flood policy is active and review the building versus contents split.
- Look at your policy for any ordinance or law coverage. If your home was built before current Florida building codes, a partial loss can require expensive upgrades to the undamaged portion of the structure.
For auto coverage:
- Florida requires Personal Injury Protection (PIP) and Property Damage Liability (PDL). If your vehicle is financed or leased, your lender likely requires comprehensive and collision as well.
- Uninsured motorist coverage is optional in Florida but worth carrying, given the percentage of uninsured drivers on local roads.
- Review your auto insurance limits annually, especially if your household has added a driver or a vehicle.
For business owners:
- General liability, commercial property, commercial auto, and workers compensation are typically separate policies that need to work together.
- A business operated out of a home is not automatically covered under a personal HO policy. Confirm with your agent.
Year-round:
- Keep a home inventory. A spreadsheet with photos stored in the cloud takes a few hours to build and makes a contents claim significantly faster.
- Store your declarations pages somewhere accessible outside the home, in email, a cloud account, or with a family member.
- Know your agent's direct line before you need it.
You can start that conversation at any time by visiting B & B's contact and free quote page.
A Note on What We Cannot Promise
Insurance markets shift. Carriers adjust rates, change underwriting guidelines, or stop writing new business in certain zip codes. What was available last year may look different this year. The specific carriers B & B works with, the rates those carriers offer, and the coverage terms attached to any policy depend on your individual property, driving record, location, and a range of other factors.
What B & B can offer is an honest comparison across options that are actually available to you, explained in plain language, with no pressure to buy something that does not fit. That has been the approach since 1998, and it is the reason the agency still has clients who first called during the 2004 storm season.
If you are in Lantana, West Palm Beach, or anywhere across Palm Beach County and want to know whether your current coverage still makes sense, that conversation is worth having before the next named storm forms in the Atlantic.
Learn more about coverage options for your area or read through the FAQ for answers to common questions about Florida insurance requirements.
Want a second look at your Florida homeowners coverage?
B & B Insurance compares coverage and pricing from multiple carriers, and we know Florida wind and flood rules cold.
Frequently asked questions
What makes B & B Insurance Agency different from a captive agent?
B & B is an independent agency, which means they hold appointments with multiple carriers rather than representing just one company. That allows them to compare options and place your policy with the carrier that offers the best combination of price, coverage, and financial stability for your situation. In a Florida market where carriers frequently change their appetite for new business, that flexibility matters.
Does a standard homeowners policy in Florida cover flood damage?
No. Standard homeowners policies cover wind damage from a hurricane but exclude flooding caused by storm surge, rising water, or surface water accumulation. Flood coverage requires a separate policy, either through the National Flood Insurance Program or a private flood carrier. Many Palm Beach County homeowners carry both, and it is important that the two policies are coordinated to avoid gaps.
When is the best time to review my hurricane coverage in Florida?
The best practice is to review and update your homeowners, windstorm, and flood coverage no later than May 1 each year, before hurricane season begins on June 1. Most carriers stop accepting new applications once a named storm threatens Florida, so waiting until a storm is in the forecast means you may not be able to make changes in time.
Does my homeowners policy cover my golf cart in Palm Beach County?
Generally, no. A standard homeowners policy does not extend liability coverage to a golf cart involved in an accident, even within a private community. A dedicated golf cart policy covers both liability and physical damage to the cart. If your golf cart is registered for road use, it needs a street-legal golf cart or LSV policy for public roads; B & B covers standard golf carts and refers street-legal carts and LSVs to a specialist.
What is a hurricane deductible and how does it work in Florida?
A hurricane deductible in Florida is typically calculated as a percentage of your home's insured dwelling value, often between 2 and 5 percent, rather than a flat dollar amount. For example, a 2 percent deductible on a home insured for $400,000 means you would pay the first $8,000 of a covered hurricane loss out of pocket. Reviewing this figure annually is important because it changes as your insured value changes.
Can B & B Insurance Agency help with business insurance in South Florida?
Yes. B & B works with small and mid-sized businesses across Palm Beach County on general liability, commercial property, commercial auto, workers compensation, and other lines. Business coverage needs to be coordinated across multiple policies, and a business run from a home is not automatically covered under a personal homeowners policy. An independent agent can help identify where those gaps exist.
Related Coverage from B & B
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