FL Insurance Solutions

FL Insurance Solutions 386-325-2081 call today
http://myflinsurancesolutions.com Both John and Laura grew up in this community and they genuinely care about the people they serve.

The owners of FL Insurance Solutions, Laura Hafner and John Mikell, have been working in the insurance industry for more than 20 years. But in 2011, these two took a leap of faith and purchased what was Harvey Insurance Agency Inc located in Interlachen, FL. Taking this step meant fulfilling a dream to own their own agency and build the type of business that focused on the people they serve. Laura

and John renamed the business FL Insurance Solutions and decided that this agency was going to be a place where people could have their insurance problems solved by agents and customer service representatives that genuinely care. In 2014, they purchased Philips Insurance Agency, and then in 2015 they purchased a large portion of the Lee Crane Insurance Agency, both in Palatka, FL. With locations in both Palatka and Interlachen, the team of FL Insurance Solutions is excited to bring outstanding insurance services to the good people of Putnam County. That is why they use the slogan," Products That Protect. People Who Care." It is reminder that the first thing that we need to do is offer products and services that meet the needs of our clients but we need to deliver those services with care and concern for the wellbeing of our insurance family. That is right, our clients are like family. We understand that people can buy insurance anywhere. We want them to choose to do business with us because we treat them like family and show them we care. We know that most people would rather have a root canal than buy insurance, so we go the extra mile to make it a little less painful and just maybe a little more fun. To us success is making our customers feel like they were just helped by an old friend. We invite you to come by and see us. Maybe you will become a part of the FL Insurance Solutions family, too.

Never Forget what today is actually about!!
05/25/2026

Never Forget what today is actually about!!

🦀 A huge THANK YOU to everyone who made the Blue Crab Festival this weekend such an incredible event! From the organizer...
05/25/2026

🦀 A huge THANK YOU to everyone who made the Blue Crab Festival this weekend such an incredible event! From the organizers and volunteers to the vendors and performers — y’all absolutely crushed it. 👏
We had such an amazing time celebrating with our community, and moments like these remind us exactly why we are so proud to call Palatka our hometown. đź’™
This is what small-town Florida is all about. See y’all next year! 🎉
— The FL Insurance Solutions Family

In honor of Memorial Day, all FL Ins Solutions offices will be closed on Monday, May 26th.We take this day to remember a...
05/18/2026

In honor of Memorial Day, all FL Ins Solutions offices will be closed on Monday, May 26th.

We take this day to remember and honor the brave men and women who gave everything in service to our country. Their sacrifice is never forgotten.

We'll be back bright and early on Tuesday, May 27th — ready to help you protect what matters most. Wishing everyone a safe and meaningful holiday weekend. 🙏

🚨 **Florida Homeowners – Pay Attention to This** 🚨A recent report from Weiss Ratings revealed that several large insuran...
04/29/2026

🚨 **Florida Homeowners – Pay Attention to This** 🚨

A recent report from Weiss Ratings revealed that several large insurance companies are closing **50% or more of homeowner claims with NO payment**.

Let that sink in.

In Florida alone, the following carriers were listed:

▪️ Citizens Property Insurance – 61%
▪️ State Farm Florida – 53%
▪️ Slide Insurance – 50%

And several national carriers weren’t far behind.

Now—before anyone jumps to conclusions—this doesn’t always mean claims were “wrongfully denied.” Some claims fall below deductibles, some aren’t covered, and some are withdrawn.

**BUT… here’s the real issue 👇**

Most homeowners don’t fully understand:
✔️ What their policy actually covers
✔️ How high their deductible really is (especially hurricane/wind)
✔️ What it takes to get a claim paid

And that’s where people get hurt.

💡 **At FL Insurance Solutions, our job isn’t just to sell you a policy—it’s to make sure you understand it before you ever need it.**

We help our clients:
âś… Choose the RIGHT coverage (not just the cheapest)
âś… Understand deductibles and exclusions
âś… Navigate claims when something happens
âś… Avoid surprises when it matters most

Because the worst time to find out you’re not covered… is AFTER a loss.

📞 If you want a second opinion on your current policy, we’ll review it with you—no pressure.

**Locals helping locals. That’s what we do.**

— FL Insurance Solutions
Call us today 386-325-2081

🚗 Putnam County drivers — quick question:If someone hit your car today and they had no insurance, would YOU be covered?U...
04/13/2026

🚗 Putnam County drivers — quick question:

If someone hit your car today and they had no insurance, would YOU be covered?

Uninsured motorist coverage is one of the most important — and most overlooked — parts of your auto policy.

Call FL Insurance Solutions and we'll check your coverage in 10 minutes. đź“ž 386-325-2081



04/10/2026

If your insurance premium keeps increasing with every renewal period… without explanation, you need us!
Bring us what you are working with and we’ll take a look, cut the fluff, and either save you money or make your coverage actually make sense (usually both).
📲 No need to block off your whole day, we can handle most of this without you stepping foot in the office —> (386) 325-2081 or 386-684-4749

04/09/2026

🌊 Living near the St. Johns River is beautiful — but does your home insurance account for it?

Standard homeowner policies do NOT cover flood damage. Many Putnam County homeowners find this out the hard way.

Let's make sure you're protected before the next storm season. Free review — call 386-325-2081.

FL Insurance Solutions | Palatka, FL



04/07/2026

🛡️ Proud to serve Palatka, Putnam County, and all of Florida!

We're your hometown insurance agency — personal service you'd expect from a neighbor, with coverage options that reach across the whole state.

Auto • Home • Commercial

đź“ž 386-325-2081



Happy Thanksgiving to you and yours from all of us at Fl Insurance Solutions.
11/27/2025

Happy Thanksgiving to you and yours from all of us at Fl Insurance Solutions.

11/11/2025

Today, we honor the brave men and women who have served our country with courage and dedication. To all veterans—thank you for your service, your sacrifice, and your unwavering commitment to protecting our freedoms. Your strength inspires us all. 🇺🇸

Happy Veterans Day. 🙏❤️

11/04/2025

Comcast notified us that our Palatka office may have internet service interruptions while they work on enhancing the network. The notification stated that the work should be completed today. Please visit our Interlachen or St Augustine office if you need assistance today. Thank you!

Address

922 South SR 19
Palatka, FL
32177

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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