Related coverage: Homeowners Insurance, Golf Cart Insurance, Flood Insurance
TL;DR: B & B Insurance Agency is a family-owned, independent agency in Lantana, FL, that compares coverage and pricing from multiple carriers to find a fit for your budget and situation. They cover everything from homes and cars to boats, golf carts, flood risk, and small businesses. If you are searching for B & B Insurance, here is the full picture of what they offer and why local residents keep coming back.
What B & B Insurance Actually Is
If you typed "B & B Insurance" into a search engine, there is a good chance you already heard the name from a neighbor, a coworker, or someone at the marina. B & B Insurance Agency has been a fixture in Lantana since 1998, which means they have been helping South Florida families navigate hurricanes, flood seasons, and everything in between for over 25 years.
Being an independent agency is the detail that matters most. B & B is not tied to a single insurance company. Instead, they work with multiple carriers and compare options on your behalf. Think of them as a personal shopper for insurance: they compare coverage and pricing from multiple carriers for your home, car, or boat.
The agency is based at insurance/lantana-fl, but they serve customers across Palm Beach County, including West Palm Beach, Boynton Beach, Riviera Beach, Wellington, Lake Worth Beach, and the surrounding communities.
Why It Matters That They Cover So Many Lines
A lot of insurance agencies specialize in one or two things. B & B Insurance takes a different approach: they want to be the one agency that handles your whole household, or your whole business. Here is a look at the main coverage categories and why each one deserves its own conversation.
Home and Property Coverage
For most people, the home is the single biggest asset they own. Homeowners insurance in Florida is genuinely complicated right now. The state has seen carrier withdrawals, rising premiums, and coverage gaps that catch people off guard. Because B & B compares coverage and pricing from multiple carriers, you can see options from more than one company.
One thing worth knowing: standard homeowners policies in Florida almost never cover flood damage. It is a separate policy, full stop. If you are in Lantana or anywhere near the Intracoastal or Lake Worth Lagoon, flood insurance is worth a serious look. Federal flood maps change more often than most people realize, and even properties outside high-risk zones have flooded during major storms.
If you rent rather than own, renters insurance covers your personal belongings and your personal liability, neither of which your landlord's policy touches.
Auto and Motorcycle Coverage
Auto insurance is required in Florida, but the state minimum coverage is famously thin. Florida is a no-fault state, which means your own policy pays your medical bills up to a point regardless of who caused the accident. The problem is that point comes fast, and if you are in a serious crash, minimum limits can leave you exposed.
B & B can walk you through what limits actually make sense for your situation without trying to sell you more than you need. They also cover motorcycle insurance for riders in the area, where year-round riding weather means year-round exposure.
Boats, Watercraft, and the Coverage Gap Most People Miss
Here is where I have to get on my soapbox for a moment, because this is genuinely the most common misconception I run into.
If you own a boat, jet ski, or other watercraft and assume your homeowners policy covers it, please double-check that assumption before you need to file a claim. Most homeowners policies cover very small, low-horsepower watercraft in limited circumstances. Once you have anything with a real engine, moored at a marina, or used regularly on South Florida waterways, that homeowners coverage almost certainly has a hard cap, or no coverage at all for on-water incidents.
Boat insurance is its own product, and it covers the hull, the motor, your liability on the water, and in many cases, the trailer. It can also cover uninsured boater liability, which matters on busy waterways. The Intracoastal and Lake Worth Lagoon see a lot of traffic, and not every operator out there is insured.
B & B also handles personal watercraft insurance for jet ski owners. Same principle applies: do not assume your homeowners policy has you covered on the water.
Golf Cart Coverage for Standard Carts
This is another one where people routinely discover the gap at the worst possible moment. Golf carts are everywhere in South Florida, from gated communities to beachside neighborhoods where residents use them to run errands.
A standard homeowners policy might cover a golf cart that stays strictly on your own property. The moment you take it on a shared path, a community road, or a public street, you have likely moved outside whatever limited coverage your homeowners policy offered.
B & B covers standard golf carts, and golf cart insurance is designed for how people actually use their carts in Florida communities. It is important to note that B & B only writes coverage for standard golf carts. If your cart is registered for road use as a street-legal vehicle or low-speed vehicle (LSV), that product works more like an auto policy than a property policy, and B & B refers those customers to a specialist who handles that coverage.
Life Insurance
Life insurance does not get talked about as much as the other lines, but it is one of the most important financial decisions a family can make. Life insurance helps replace income, cover debts, and take care of people who depend on you. B & B can walk through the options, from straightforward term policies to permanent coverage, without pressure.
Business Coverage
If you own a small business in Palm Beach County, B & B handles several commercial lines. General liability covers third-party bodily injury and property damage claims. Commercial auto covers vehicles used for work. Workers' compensation is required for most Florida employers with employees.
They also handle surety bonds, professional liability, and commercial property. If you are not sure what your business needs, the conversation with an independent agent is a good place to start, because they can help you figure out what gaps exist rather than just selling you a packaged product.
Want a second look at your Florida homeowners coverage? Get a free home quote
What We Do Not Know Yet, or What Changes
Insurance markets in Florida shift. Carrier availability, pricing, and coverage terms change from year to year, and sometimes faster than that. What a neighbor paid two years ago may have no bearing on what you will pay today.
Flood maps are updated periodically by FEMA, and a zone change can affect both your requirement to carry flood insurance and the cost of that coverage. It is worth checking your current flood zone status if you have not looked at it recently. FEMA's Flood Map Service Center is the authoritative source for that.
Florida's Office of Insurance Regulation publishes updates on carrier approvals, rate filings, and market actions. If you want to follow what is happening at the regulatory level, that is the right place to look.
For anything specific to your policy or your address, the most useful thing is simply to call or get a quote. What applies to your neighbor's property may not apply to yours, and the details really do matter.
What to Do About It: Getting Started with B & B Insurance
If you are a Lantana or Palm Beach County resident who found this page while searching for B & B Insurance, here is the straightforward path forward.
Step one: Think about what you own and what you currently have coverage for. Home or rental, vehicles, watercraft, golf cart, business assets, and life insurance are all worth reviewing.
Step two: Identify any gaps. The most common ones we see are flood coverage missing from a coastal property, boat or watercraft without dedicated marine coverage, and golf carts assumed to be covered under homeowners.
Step three: Reach out for a free quote. B & B does not work on a high-pressure sales model. They ask questions, learn your situation, and shop the carriers they have relationships with to find coverage that fits.
If you are in a specific community, they have local pages for West Palm Beach, Boynton Beach, Lake Worth Beach, and other nearby areas, so you can get a sense of the local context for coverage in your neighborhood.
B & B Insurance has been a South Florida neighbor since 1998. They know what the weather does here, what the waterways look like, what communities are using golf carts for daily errands, and what small business owners face in this market. That local context is genuinely useful when you are trying to figure out not just what you are required to carry, but what actually makes sense for where you live and how you live.
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
Where is B & B Insurance Agency located?
B & B Insurance Agency is based in Lantana, Florida, and has served South Florida residents since 1998. They work with customers throughout Palm Beach County, including West Palm Beach, Boynton Beach, Lake Worth Beach, and surrounding communities. You can reach them online or by phone to get a free quote.
Is B & B Insurance an independent agency?
Yes. B & B is an independent agency, meaning they are not tied to a single insurance company. They shop multiple carriers on your behalf to find coverage that fits your needs and budget. This is different from a captive agent who can only offer one company's products.
Does homeowners insurance cover my boat or golf cart in Florida?
Usually only in very limited circumstances. Most homeowners policies have strict caps on watercraft coverage and often exclude on-water incidents entirely for motorized boats. Golf carts used off your private property are frequently not covered at all. Dedicated boat insurance and golf cart insurance policies are the right products for those situations.
Does B & B Insurance offer flood insurance?
Yes. Flood insurance is a separate policy from homeowners coverage, and B & B can help you find options through multiple carriers. Given Lantana's proximity to the Intracoastal Waterway and Lake Worth Lagoon, flood coverage is especially worth reviewing regardless of your official flood zone designation.
Can B & B Insurance help with business coverage?
Yes. They handle a range of commercial lines including general liability, commercial auto, workers' compensation, surety bonds, professional liability, and commercial property insurance. If you are a small business owner in Palm Beach County and are not sure what coverage you need, speaking with an independent agent is a practical first step.
How do I get a quote from B & B Insurance?
You can request a free quote directly through their website or by calling the agency. They will ask about your current coverage, what you own, and what gaps you may have, then shop their carrier relationships to find options. There is no obligation to purchase, and they do not use a high-pressure sales approach.
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