GreatFlorida Insurance - James & Nikki White Agency

10/31/2026

This is a good read if you are a FL Home owner. Tort Reform worked and insurers are reacting. However, some are still not reducing rates as fast as we all would like. You have to call your agent to ask them to shop around for you so you can take advantage of those insurers that are reducing rates. Give Nikki and I a call, we will be glad to help you take advantage of some of the new rates! 727-498-3855 https://stpetebeach.greatflorida.com [email protected] https://pie-sun.com/2026/10/30/tort-reform-gamble-pays-off-for-824000-florida-homeowners-in-insurance-savings-officials-say/?fbclid=IwY2xjawVS435leHRuA2FlbQIxMABwZG9mBWJyaWQRMXZFNXR1NlVPa0Q3elo2MEpzcnRjBmFwcF9pZBAyMjIwMzkxNzg4MjAwODkyAAEfrRZQS6LfOU92bs_G1aTKrrXMTSwfEYGdNPQ4zRmSvoHGNGIeIlAxLxlNHtw_aem_I0b9TTmvIjzVb3dna9ynBg

More than 824,300 Florida homeowners are getting lower rates on new policies or renewals after a batch of rate-decrease requests from major insurers took effect in October, state regulators announc…

10/25/2026

Happy Sunday FL Residents!

If you are a FL homeowner, this is a good read!

As a FL homeowner myself and the owner of a GreatFlorida Insurance Agency, I am just as concerned as you are about rising home insurance rates in our state. I'm concerned about the rate I'm paying, but also about my clients who are struggling to make ends meet in today's market.

But listen up, FL homeowners, relief is here! Three years ago, FL legislators made changes to crack down on frivolous lawsuits, and those changes have been giving insurance carriers relief. But are you experiencing that relief? To be honest, it really depends on who your current carrier is.

Carriers have two choices with the relief they are now experiencing. They can pass it down to their clients by reducing premiums at renewal and offering new clients better, more competitive rates. Or they can take those profits and put them back into reinsurance, to make themselves more financially secure in the event a major storm season hits FL.

Newer carriers are extending those savings to clients right now. Legacy carriers are putting the savings into reinsurance. If you are not seeing the savings, you are probably with a legacy carrier. Yes, that carrier is strong and financially secure, but that doesn't help much when your premium keeps climbing.

What I would do right now is prep yourself for a better situation. Get together your most recent declarations page and your most recent wind mitigation and 4-Point inspections, then go online and look for a good local independent insurance agency.

You will want an independent agency instead of Captive Companies like State Farm or Allstate. Those agents can only offer their own company's products or a very small list that their Corporation allows, while an independent agent can shop many carriers for you.

My wife Nikki and I own GreatFlorida Insurance here in the Tampa Bay area, and we work with over 30 of the top carriers. It is super rare that we are not able to save clients hundreds, and sometimes thousands, of dollars off their current rates.

Hope this helps! Reach out anytime, and we'll be glad to take a look.

GreatFlorida Insurance - James & Nikki White Agency
[email protected] or [email protected]
727-498-3855

Send a message to learn more

10/21/2026

**Have You Looked at Your Flood Insurance Declarations Page Lately? Do You Know Who Your Flood Team Really Is?**

We run into so many Pinellas County residents who have flood insurance agents located in Miami, Jacksonville, or even another state!

Why? Because there are numerous call centers across the country that specialize in selling flood insurance over the phone. We've also encountered local homeowners whose flood policies are serviced by companies that outsource much of their customer service.

**But here's the important question: Who is going to be there for you when a hurricane hits and you need help?**

When you're dealing with flood damage, filing a claim, documenting your losses, and trying to get your home back together, the last thing you want is to be bounced around a call center trying to find someone who can answer your questions.

**Choosing your Flood Team is almost as important as having flood insurance in the first place!**

Nikki and I experienced Hurricane Helene firsthand. We suffered flood damage to both our home and our insurance agency. We know what it's like to be on the other side of an insurance claim, dealing with the devastation, uncertainty, and frustration that follows a major storm.

That experience, combined with our years in the insurance industry, gives us a perspective that goes well beyond simply selling you a flood policy.

If you're looking for a **local Flood Team** that understands how to prepare before a storm, properly document damage, navigate the claims process, and help you get answers when you need them, we'd love the opportunity to earn your trust.

**And here's the best part: Joining our Flood Team is EASY!**

In many cases, you can transfer your existing flood policy to our agency without changing your coverage, your insurance company, or your premium. It's simply a matter of changing who represents you.

**James & Nikki White**
GreatFlorida Insurance of St. Petersburg

*Local Agents. Local Experience. Here When You Need Us Most.*

727-498-3855 [email protected] or [email protected]

10/06/2026

Tropical activity in the Gulf during October is a good reminder for all of us in Tampa Bay to never let our guard down.

Take a few minutes today to pull out your Flood Insurance Declarations Page and review these three things:

1. Who is your Flood Insurance Agent—and where are they located?
If you have an out-of-area flood agent, don’t know who your agent is, or even worse, don’t have an agent at all, check when your policy renews.
At renewal, make an effort to transfer your flood policy to a trusted local independent insurance agency. Having someone local who understands our area and flood risk can help you in more ways than you may realize—especially when you actually have a claim.

2. Review your coverages.
Make sure you have an appropriate amount of coverage for both your dwelling and your personal contents. Don’t wait until after a flood to find out that you were underinsured or didn’t have contents coverage at all.

3. Is your Flood Insurance and Homeowners Insurance with the same agency?
This is more important than many homeowners realize.
When both policies are handled by the same agency, claims can be much easier to navigate. After a storm, damage may involve both your homeowners and flood policies. Having one agency that understands your home and has access to both policies can help you determine which damages should be reported where and assist you with both claims.

And when that agency is local, you have somewhere to go and someone you know when you need help the most.

If you just checked all three and realized your insurance policies could be better aligned, give Nikki and me a call.

We would love to help make things easier for you before the next storm comes our way.

GreatFlorida Insurance - James & Nikki White Agency
1700 66th St N Ste 202
St Petersburg, FL 33710
727-498-3855
[email protected]
[email protected]

Send a message to learn more

09/28/2026

So Exciting! Look for us on 66th St as you pass the Tyrone Towers! Can't miss us now! Need a local Independent Agency to shop for you for Homeowners & Auto Insurance? Nikki and I are here to help! 727-498-3855 [email protected] [email protected]

08/31/2026

Is Your Homeowners Insurance Over $4,000 Per Year?
How about $6,000 per year? Or even $8,000+?
If so, you may be able to do something about it in 3 easy steps:
Get out your current Declarations Page and review your coverage and premium.
Find your most recent Wind Mitigation and 4-Point Inspections. Don’t worry if they’re old. We can start with what you have.
Call our local independent insurance agency and ask us for a quote.
Last week alone, we saved the homeowners who called us a combined $23,000 on their annual homeowners insurance premiums.

If your home is in good condition, there may be no reason for you to continue paying extremely high premiums.

We work with over 30 of Florida’s top homeowners insurance carriers, and many are offering very competitive rates right now.

And don’t stop with your homeowners insurance. Pair those savings with your Flood and Auto Insurance and you may be able to save even more.

If you’re paying $4,000, $6,000, $8,000 or more per year, it’s worth taking a few minutes to see what your options are.

Don’t wait. Call us today!

GreatFlorida Insurance of St. Petersburg
727-498-3855

Send a message to learn more

08/28/2026

Going forward, I am going to start posting a "Save of the Week" for our agency so all those out there that feel like you are buried in Insurance Costs can see that there truly is help out there!
This weeks winner was close. First we have a Causeway Isles Resident living on 79th St S in a waterfront home. This insured came to me with a current homeowners premium that was a little less than 12k a year. After getting an updated Wind Mitigation and 4-Point Inspection, I was able to find him a policy with Florida Peninsula for 6304.15 for the year. And the new Policy had slightly better coverages. We didn't stop there though. When we looked at his auto insurance, he was currently with Geico Direct paying 1290 a six months. Ironically with our Geico Agency product we were able to get him a new policy for 811 a six months. So total savings for this local neighbor was approximately 6800 dollars a year. All because he made one simple phone call!
For our runner up, we have another waterfront property on 140th Ave E in Madeira Beach. This property was a triplex rental property. She came to us also paying a little over 11k a year. We were able to find her a policy with Universal Property and Casualty for 6089 a year also with better coverages. Another 5-6k a year in savings!
Glad we were able to help out two more local neighbors this week save a combine total of just over 12k a year!!! Stay tuned for next weeks winner of "Save of the Week"!!! Want to be a Winner? Give us a call! 727-498-3855 [email protected]

08/28/2026

Wake-Up Call?!
This one may miss us, but take note — we are officially in the peak of hurricane season.
If your Flood Insurance renews in September or October, now is the time to pull out your policy and review it. Don’t wait until a storm is headed our way. Once a named storm threatens Florida, your options can become very limited.
Make sure you understand:
What your flood policy actually covers
Whether you have NFIP or Private Flood Insurance
Whether your coverage limits are adequate
Whether there may be a better option available
Whether changes need to be made before your renewal
And most importantly, work with a good local insurance team that understands flood insurance.

For Nikki and me, flood insurance isn't just something we sell. We lived it. We went through Hurricane Helene right alongside our neighbors, dealt with the flooding, the damage, the claims process, and the rebuilding.

That experience changed the way we look at flood insurance and the way we advise our clients.

If your policy renews in September or October, give us a call. We'll be happy to review what you have and make sure you're properly prepared before the next storm comes knocking.

GreatFlorida Insurance – James & Nikki White Agency
Local. Experienced. Dedicated.
We know Flood. Because we lived it.
727-498-3855
[email protected]
[email protected]

08/12/2026

Do you feel hopeless overpaying for your auto and homeowners insurance? You shouldn’t!

Nikki and James can help you explore better options—all it takes is one phone call. Contact us today for a free insurance evaluation for your home, auto, or both.

📞 Call Nikki and James now: 727-498-3855

GreatFlorida Insurance — James & Nikki White Agency

08/09/2026

Are you currently Bundling your Home and Auto Insurance with a Local Independent Agency?

Why not? You are missing out on a substantial discount that is now available with most homeowners and Auto insurance carriers across Florida.

Here is what you need to do:
1. Get together both your Auto Declarations Page and your Homeowners Declarations Page.
2. Gather all Driver information for the family, Driver’s License Numbers and Date of Births
3. If you have a recent(5yrs) Wind Mitigation Inspection, find it and have it ready.
4. Call us!

We do the rest from here. Nikki and James offer 30+ Homeowner Carriers and 10 of the Top Auto Insurance Carriers. Most of which offer a bundled rate when you have both your Homeowners and Auto Insurance with the same local agency! Call now! 727-498-3855 [email protected] or [email protected]