Please note that if you have a claim you need to contact your Homeowners Insurance Company first within 72 hours. Make sure you DO NOT hire someone before contacting your Homeowners Insurance Company or your claim may be denied.

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At The Donna Carrara Insurance Agency, we leave nothing to chance. We never stop working to find the most-comprehensive insurance coverage possible for your auto, home, business, and family.

We believe your relationship with us is exactly that–a relationship. We’d like to be your insurance Agent for years to come, delivering comprehensive insurance solutions to you and your family for now and into the future.

That’s why we provide more than just insurance coverage; we also answer all your questions and provide the information you need to make educated buying decisions.

As an Independent Agency, we represent many insurance companies. Our substantial pool of providers enables us to write high-quality coverage at the lowest possible rates.

Now and into the future, putting your interests first—that’s The Donna Carrara Insurance Agency way.

Auto Insurance

The Donna Carrara Insurance Agency partners with numerous vehicle insurance companies along Florida’s Coast. Whether you’re a standard, preferred or high-risk driver, we can build an affordable policy to suit your needs, no matter the risk-level:
  • Young drivers
  • Florida SR22 drivers
  • Super Preferred Drivers: Older and mature drivers; drivers with few or no accidents
  • Drivers cited for “no-insurance”
  • Drivers with a high number of tickets or accidents

Contact The Donna Carrara Insurance Agency today for a free auto insurance quote. Or, for a free online auto insurance quote, click over to our Auto Quote page.

Classic Car

That classic car parked in your garage represents far more than a hobby. The hours and expense you’ve spent restoring it makes it an investment. Like every valuable asset, its needs insurance protection.

The Donna Carrara Insurance Agency can provide comprehensive insurance for your classic set of wheels at affordable rates. With a classic car policy from Donna Carrara, you’ll feel confident showing off your labor of love out on the open road.

Contact The Donna Carrara Insurance Agency today for a free classic car insurance quote. Or, for a free online classic car insurance quote, click over to our Auto Quote page.

RV Insurance

At The Donna Carrara Insurance Agency, we understand that your RV is like a home away from home. Whatever you use it for—family vacations, touring the country, etc.—you’ve probably got lots of time, money and memories invested in it. Protect your RV from the unexpected with a comprehensive insurance policy from The Donna Carrara Insurance Agency.

Contact The Donna Carrara Insurance Agency today for a free RV insurance quote. Or, for a free online RV insurance quote, click over to our Auto Quote page.

Motorcycle / ATV Inurance

Right now, motorcyclists along Florida’s Coast are revving up for warmer weather. If you don’t have proper insurance coverage for your highway grumbler, you could find yourself trapped inside a car this season. Don’t let it happen!

Greet the open highway with the confidence of comprehensive motorcycle coverage from The Donna Carrara Insurance Agency.

Contact The Donna Carrara Insurance Agency today for a free motorcycle insurance quote. Or, for a free online motorcycle insurance quote, click over to our Auto Quote page.

Boat & Watercraft Insurance

For many residents along Florida’s Coast, the crystal blue waters of the coast are a summertime ritual. Whether your watercraft of choice is a boat, a yacht, a set of jet skis or something else, don’t forget: The ocean belongs to all. You have a responsibility to yourself, your family and to your neighbors to be properly insured.

The Donna Carrara Insurance Agency can find you affordable watercraft coverage. We’ll answer all your questions about coverage requirements and carriers, too.

Contact The Donna Carrara Insurance Agency today for a free watercraft insurance quote. Or, for a free online watercraft insurance quote, click over to our Watercraft Quote page.

Homeowner's Insurance/ Mobile Homes/ Rental Dwellings

No matter where your home’s located; no matter its age, size, value or type, The Donna Carrara Insurance Agency offers multiple Homeowner’s policies to fit every budget range:

  • HO-1: Basic or standard – This is a bare bones policy, with restricted coverages.
  • HO2: Broad form – This policy type adds additional coverages to the H0-1.
  • HO3: Special form – This is Florida’s most popular policy, providing comprehensive coverages.
  • HO8: Older homes – These policies provide reimbursement on a cash-value basis.
  • DP1 Dwelling Fire – If you have tenants renting your home, a Dwelling Property 1 policy provides the minimum coverage required by law. A DP1 policy is also an option if your property's vacant. As a "named perils" policy, a DP1 covers only the events explicitly named therein. Any event not listed is not covered. The primary benefit of a DP1 policy is reduced cost. It's important to keep in mind, though, that DP1 coverages are significantly restricted compared to other policy types.
  • DP3 Dwelling Fire – Although DP3 policies are less-expensive than standard homeowner's policies, they're more expensive than DP1s, but provide coverage against most perils. Also like standard policies, DP3s always include a handful of exceptions--including flood--listed on the exclusions page. To be clear, Dwelling Property 3 policies don't provide as much coverage as standard homeowner's policies, and are a budget option. Like DP1s, these policies are good option if you rent your home to tenants, if your property is vacant, or if you need a less-expensive option compared to standard coverages.

Contact The Donna Carrara Insurance Agency today for a free homeowner’s insurance quote. Or, for a free online homeowner’s insurance quote, click over to our Homeowners Quote page.

Condo Insurance

If you live in a condo, your condo association only provides coverage for the building's exterior. The Association isn't responsible for your unit's interior. A Condo policy will give you the coverage to replace the interior of your unit and/or personal belongings.

Not to worry. A condo insurance policy from The Donna Carrara Insurance Agency will provide the essential protection you need to cover the interior of your condo unit and personal belongings.

Contact The Donna Carrara Insurance Agency today for a free condo insurance quote. Or, for a free online condo insurance quote, click over to our Homeowners Quote page.

Renter's Insurance

Renter's Insurance covers your personal belongings when you're renting a house, condo unit, mobile home, or an apartment. It also provides you with Personal Liability coverage.

Contact The Donna Carrara Insurance Agency today for a free renter's insurance quote. Or, for a free online renter's insurance quote, click over to our Homeowners Quote page.

Flood Insurance

If you’ve lived along Florida’s Coast any significant time, you’ve likely lived through the rains, the storms, the hurricanes…and maybe the flooding, too. For residents on our state’s beautiful southwest coast, flood insurance is essential.

You might not realize, though, that your homeowner's insurance does not cover loss sustained from a flood, which is defined as water rising from the outside and coming into the home. A flood is caused by:

  • RAIN
  • STORM SURGE
  • MUDSLIDES

These are classified as “flood damage.” To be covered, you need a Flood Insurance policy.

At The Donna Carrara Insurance Agency, we’re experts at assessing your coverage needs. We’ll find you the right coverage at affordable rates to help you weather life’s unexpected—if sometimes forecasted—downpours.

Contact The Donna Carrara Insurance Agency today for a free flood insurance quote. Or, for a free online flood insurance quote, click over to our Homeowners Quote page.

Personal Umbrella Insurance

If a guest in your home suffers an injury, standard insurance coverages might not be adequate. The same goes for a passenger injured in your car during a wreck.

Personal umbrella insurance provides an extra layer of asset protection against lawsuits and claims that rise above standard coverages. The coverage kicks in once other policies reach their payout limits. Umbrella policies can be used as a supplement to:

  • Homeowner’s policies
  • Auto policies
  • Boat policies
  • More

We’d love to speak with you regarding the additional asset protection of a personal umbrella insurance policy from The Donna Carrara Insurance Agency.

Contact The Donna Carrara Insurance Agency today for a free Personal Umbrella Insurance quote. Or, for a free online personal umbrella insurance quote, click over to our Homeowners Quote page.

Business Insurance

You’ve worked hard to make your business successful. You’ve invested the necessary time, money, and blood, sweat and tears, to keep things humming along. Don’t risk losing it all with inadequate insurance coverage.

The Donna Carrara Insurance Agency, offers a comprehensive range of business insurance products:

  • Commercial auto
  • Commercial property
  • Property and umbrella
  • Small business package
  • Workers compensation

We’ll create a tailored insurance package to suit the needs of your business and its unique risks and liabilities. The Donna Carrara Insurance Agency: We take care in your coverage.

Contact The Donna Carrara Insurance Agency today for a free business insurance quote. Or, for a free online business insurance quote, click over to our Business Owners Quote page.

Commercial Property Insurance

At The Donna Carrara Insurance Agency, we’ve worked with numerous small businesses to assess their coverage needs. We’re experts at finding each just the right coverages to protect business properties against:

  • Fires
  • Storms
  • Accidents
  • Theft
  • More

Contact The Donna Carrara Insurance Agency today for a free commercial property insurance quote. Or, for a free online commercial property insurance quote, click over to our Business Owners Quote page.