Ed O'Neill

Ed O'Neill - Home, Auto & Flood Insurance Agency in Bradenton, FL

8110 Cortez Rd WBradentonFL34210
4.9 (72 Reviews)

Home, Auto & Flood Insurance Agency in Bradenton, FL

Ed O'Neill

Ed O'Neill

4.9/5 Stars (‎72 Reviews)
8110 Cortez Rd W, Bradenton,FL. 34210
GreatFlorida Insurance: Your trusted Florida Insurance Agency
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Homeowners Insurance

Home is where your life happens. GreatFlorida® Homeowner's Insurance in Bradenton, FL has policies options from multiple Insurance Companies protect your home and family from unexpected losses so you can recover quickly and keep life moving.

Your local GreatFlorida® agent will match your Bradenton, FL homeowners coverage to local risks like hurricanes, theft, and fire. When the unexpected happens, fair compensation helps you maintain your lifestyle.

Get a Free Homeowners Insurance Quote in Bradenton, FL

Frequently Asked Questions (FAQs)

What does homeowners insurance cover in Bradenton?

A standard policy covers your dwelling, other structures, personal property, loss of use, and liability. In coastal parts of Bradenton, FL, windstorm deductibles may apply. Flooding is excluded... consider adding a separate flood policy for full protection.

Is homeowners insurance mandatory in Bradenton?

The state does not mandate it, but mortgage lenders typically require coverage. Even without a mortgage, carrying insurance in Bradenton is wise due to hurricane and theft exposure.

How are homeowners insurance rates determined in Bradenton?

Carriers consider location, construction type, roof age, prior claims, coverage limits, and deductibles. Wind mitigation features in Bradenton...like shutters and roof tie-downs...can lower premiums.

Does a GreatFlorida® homeowners policy include flood coverage?

No. Flood is separate. Your agent can quote NFIP or private flood so rising water, storm surge, and inland flooding are covered.

How can I lower my homeowners insurance premium with a GreatFlorida® Agent?

Bundle home and auto, complete a wind mitigation inspection, raise deductibles within your comfort level, and maintain good credit. Ask your local Bradenton agent about roof age credits and security system discounts as well as options from several different insurance carriers.

Auto Insurance

Get the wheels rolling on your auto insurance in Bradenton.

Collisions, theft, and storm damage strain budgets. Protect yourself with affordable coverage that helps pay for repairs and medical costs. Consider adding uninsured motorist for extra protection.

Compare Auto Insurance Quotes in Bradenton, FL

Frequently Asked Questions (FAQs)

What is the minimum auto insurance required in Bradenton?

Florida requires $10,000 Personal Injury Protection and $10,000 Property Damage Liability. Consider Bodily Injury Liability and Uninsured Motorist to protect your assets in Bradenton, FL.

Does GreatFlorida® offer uninsured motorist coverage?

Yes. UM/UIM can cover injuries when the at-fault driver has little or no insurance. It is a smart add in busy Bradenton, FL corridors.

Does my policy cover rental cars?

Often yes, but terms vary by carrier. Your local GreatFlorida® Auto Insurance Agent can confirm rental reimbursement and liability extensions before your next trip.

How does a DUI affect rates in Bradenton, FL?

A DUI significantly raises premiums and may require an FR-44 filing. Safer driving and time can gradually reduce the surcharge.

How does GreatFlorida® Insurance handle auto claims?

Directly with your insurance carrier. File online or by phone and a claims adjuster will guide repairs, medical payments, and rental arrangements... with local support in Bradenton, FL. Your local GreatFlorida® Insurance Agent can help you with any questions you may have.

Condo Insurance

Protect your unit with GreatFlorida® Condo Insurance.

Your association’s master policy covers the building shell and common areas. Your walls-in finishes, belongings, and liability are your responsibility in Bradenton, FL.

Get a Condo Insurance Quote in Bradenton, FL

Frequently Asked Questions (FAQs)

What does an HO-6 policy cover vs. the condo association policy?

HO-6 covers interior walls-in, improvements, personal property, loss of use, and liability. The master policy covers the structure and shared spaces. Review bylaws for exact responsibilities.

Is hurricane and windstorm damage included?

Yes, with a separate wind deductible. In exposed areas of Bradenton, FL, your agent may recommend a dedicated wind policy for better terms.

Is condo insurance mandatory in Bradenton?

State law does not require it, but lenders and associations often do. It also protects your investment and personal liability.

Does condo insurance include flood?

No. Flood requires a separate policy. See flood insurance options to cover storm surge and rising water.

How can I save on condo insurance with GreatFlorida®?

Bundle with aucontentto, choose practical deductibles, add protective devices, and keep updated plumbing and electrical. Your local GreatFlorida® Agent in Bradenton, FL will find carrier discounts for you.

Commercial Auto Insurance

Keep your business moving with GreatFlorida® Commercial Auto.

Business-use vehicles face higher liability risk. We tailor coverage for single vehicles and fleets for Bradenton, FL businesses.

Get a Commercial Auto Insurance Quote in Bradenton, FL

Frequently Asked Questions (FAQs)

What are Florida minimums for commercial vehicles?

Florida requires $10,000 PIP and $10,000 PDL for many vehicles... taxis and limos need higher limits. Most businesses in Bradenton, FL choose higher liability limits to protect against lawsuits.

How is commercial auto different from personal auto?

Commercial policies cover business use, multiple drivers, symbols, and higher limits. Personal policies generally exclude business activities.

Can I add uninsured motorist coverage on a commercial policy?

Yes. UM/UIM can cover injuries and lost wages if an uninsured driver causes a crash involving your business vehicles.

Are rented and non-owned vehicles covered for work errands?

Add Hired and Non-Owned Auto to protect the business when employees drive personal or rental cars for work tasks in Bradenton, FL.

What additional coverages should I consider?

Comprehensive, Collision, Medical Payments, higher Liability, and UM/UIM. Ask about roadside assistance and rental reimbursement for fleet continuity.

Commercial Property Insurance

Protect your business assets with GreatFlorida® Commercial Property.

Florida businesses face wind and water perils. Coverage helps repair buildings, equipment, and inventory so you can reopen fast in Bradenton, FL.

Get a Commercial Property Quote in Bradenton, FL

Frequently Asked Questions (FAQs)

What does commercial property insurance cover in Florida?

Buildings, improvements, equipment, inventory, signage, and more against fire, theft, vandalism, and wind. Consider Business Interruption for lost income during repairs.

Is it required by law in Florida?

Not by the state, but lenders and leases often require proof. Given hurricane exposure in Bradenton, FL, coverage is a practical must.

Is hurricane and windstorm damage included?

Typically yes, with wind deductibles. Coastal properties may need specialized forms. Your agent can tailor limits and deductibles to your address.

Does it include flood coverage?

No. Flood is separate through NFIP or private carriers. See commercial flood options.

How are rates calculated in Bradenton?

Location, construction, roof age, square footage, and protections like shutters and sprinklers matter. Older buildings in Bradenton, FL may cost more to insure.

General Liability Insurance

Protect your operation with GreatFlorida® General Liability.

Cover slip and fall injuries, property damage to others, and advertising injury... essential for storefronts, contractors, and offices in Bradenton, FL.

Get a General Liability Quote in Bradenton, FL

Frequently Asked Questions (FAQs)

What does general liability cover for a Bradenton, FL business?

Third-party bodily injury, property damage, and personal or advertising injury. It covers defense costs even when claims are unfounded.

Is general liability required in Florida?

Not universally, but many licenses, landlords, and clients require proof. It is a baseline protection for Bradenton, FL businesses.

How much coverage do most businesses carry?

Common limits are $1M per occurrence and $2M aggregate. Higher-risk trades often add a commercial umbrella for extra protection.

Can you help meet Florida contractor requirements?

Yes. Your local GreatFlorida® agent can provide required certificates and recommend practical limits based on your trade and contract sizes.

Are legal expenses covered if I am sued?

Yes... attorney fees, court costs, and settlements are typically included up to policy limits.

Business Owners Insurance

Bundle protection with a Business Owners Policy.

A BOP combines general liability and commercial property... a cost-effective foundation for small to mid-size firms in Bradenton, FL.

Get a Business Owners Policy Quote in Bradenton, FL

Frequently Asked Questions (FAQs)

What is a Business Owners Policy and what does it cover?

A BOP bundles liability and property... covering third-party claims, building or contents damage, and optional business income after a covered loss.

Who benefits most from a BOP in Bradenton, FL?

Retail, restaurants, professional offices, and services with premises and contents. It simplifies protection and often lowers total cost.

Does a BOP include hurricane coverage?

Typically yes, with wind deductibles. Add endorsements like equipment breakdown or cyber based on your operations.

Does a BOP include flood coverage?

No. Pair your BOP with commercial flood for storm surge and inland flooding.

What are the advantages of a BOP for small business?

Bundled pricing, simplified management, and optional add-ons. Many Bradenton, FL companies start with a BOP then add umbrella coverage as they grow.

Boat Insurance

Boat Insurance for smooth sailing in Bradenton, FL.

Florida leads the nation in boating... and accidents. Customize coverage so you can relax on the water with confidence.

Get a Boat Insurance Quote in Bradenton, FL

Frequently Asked Questions (FAQs)

Is boat insurance required in Florida?

Not by state law, but lenders and marinas often require it. Liability and physical damage are smart choices for busy Bradenton, FL waterways.

What does GreatFlorida® boat insurance cover?

Your hull, motor, trailer, and onboard gear... plus liability for injuries or property damage to others. Ask about towing and fishing equipment endorsements.

Are discounts available?

Yes... multi-policy, claim-free, and safety course credits may apply. Storage type and navigation area can also influence price in Bradenton, FL.

Are races covered?

Racing is usually excluded. Your agent can review specialty policies if you plan to participate.

How do claims work with GreatFlorida®?

Report online or by phone and adjusters will coordinate inspections and repairs... convenient for Bradenton, FL marinas.

Motorcycle Insurance

Ride protected. Ride with GreatFlorida®.

Enjoy the scenery and keep your motorcycle coverage dialed in for liability, collision, comprehensive, medical payments, and UM/UIM in Bradenton, FL.

Get a Motorcycle Insurance Quote in Bradenton, FL

Frequently Asked Questions (FAQs)

Is motorcycle insurance required in Florida?

Not always by law, but financial responsibility rules still apply after accidents. Coverage protects you and your bike in Bradenton, FL traffic.

What does GreatFlorida® motorcycle insurance cover?

Liability, collision, comprehensive, medical payments, and UM/UIM. Add custom parts and equipment to protect upgrades.

Do you insure different bike types?

Yes... cruisers, sport, touring, dual-sport, and more. Rates reflect engine size, usage, and rider history in Bradenton, FL.

Are discounts available for riders?

Multi-policy, clean record, safety course, and anti-theft credits can lower premiums. Ask your agent to stack eligible savings.

How do I get a quote quickly?

Start online, then finalize with your local GreatFlorida® agent for accurate limits, deductibles, and accessory coverage.

Renters Insurance

It is still your home, even when it is rented.

Your landlord insures the building... you insure what is inside. Protect belongings and liability with GreatFlorida® Renters.

Get a Renters Insurance Quote in Bradenton, FL

Frequently Asked Questions (FAQs)

Do I need renters insurance in Florida?

Some landlords require it in the lease. Even when optional, policies are inexpensive and valuable in Bradenton, FL for theft, fire, and liability.

What does a renters policy cover with GreatFlorida®?

Personal property at home and often while traveling, personal liability, and loss of use if a covered loss makes your unit unlivable.

Are roommates covered under my policy?

Typically no. Each roommate should carry their own policy for proper protection and to avoid claim disputes.

Does renters insurance cover flood damage?

No. Consider separate flood coverage for belongings stored at ground level or in storage units in Bradenton, FL.

How much does renters insurance cost in Bradenton, FL?

Pricing depends on location, limits, and deductibles. Many Floridians pay less than a streaming bundle monthly... bundling with auto can reduce it further.

RV Insurance

Adventure awaits with confidence.

Your RV is a rolling home. Protect it with GreatFlorida® RV Insurance for motorhomes and towables in Bradenton, FL.

Get an RV Insurance Quote in Bradenton, FL

Frequently Asked Questions (FAQs)

Do full-time RVers need special coverage in Florida?

Yes... full-timer coverage adds personal liability, medical payments, and loss assessment similar to homeowners insurance.

What does RV insurance cover in Florida?

Liability plus physical damage from crashes, theft, storms, or vandalism... with optional personal effects and vacation liability.

Is RV insurance required in Florida?

Motorized RVs must carry at least $10,000 PIP and $10,000 PDL. Trailers are not required... still smart to insure.

Are hurricane or flood losses covered?

Comprehensive usually covers both... confirm storage requirements and deductibles with your agent before hurricane season in Bradenton, FL.

How does GreatFlorida® help with claims?

You get 24/7 support directly with your carier to streamline steps from tow to repair... helpful when traveling out of Bradenton, FL.

Umbrella Insurance

The superhero of liability coverage.

Umbrella insurance adds extra liability limits above home, auto, and boat. It helps protect savings and future earnings in Bradenton, FL.

Get an Umbrella Insurance Quote in Bradenton, FL

Frequently Asked Questions (FAQs)

What is umbrella insurance and what does it cover?

Extra liability limits for large claims... often in $1M increments. It can extend over home, auto, and watercraft liability.

Who should consider an umbrella policy in Bradenton, FL?

Homeowners, drivers, landlords, and anyone with assets or future income to protect. It is efficient, low-cost coverage per dollar of protection.

How much umbrella coverage do I need?

Many start at $1M... higher limits make sense if you have significant assets or high-risk exposures like teen drivers or a pool.

What does GreatFlorida® umbrella typically extend over?

Home, auto, boat... sometimes rental properties. Certain business exposures need a commercial umbrella instead.

Does umbrella cover business activities?

Personal umbrellas usually exclude business... ask your agent about a commercial umbrella if you have business liability in Bradenton, FL.

Flood Insurance

Flood insurance covers what homeowners does not.

It only takes inches of water to cause costly damage. Protect your Bradenton, FL home with flood coverage for storm surge, inland flooding, and heavy rain events.

Get a Flood Insurance Quote in Bradenton, FL

Frequently Asked Questions (FAQs)

Is flood insurance mandatory in Florida?

Required by lenders in high-risk zones. Even outside mapped zones, Bradenton, FL homeowners buy flood for peace of mind and resale value.

Does homeowners insurance cover flooding?

No. Homeowners covers wind and rain damage... not rising water. Pair it with a flood policy for complete storm protection.

What does GreatFlorida® flood insurance cover?

The building and contents from direct physical loss by flood... subject to limits and exclusions. Ask about replacement cost where available.

How do I check my flood risk in Bradenton, FL?

Use FEMA Flood Map Service and local elevation data. Your agent can review lenders’ requirements and private market options for your address.

Are hurricane flood losses covered?

Yes, if the damage is from flooding. Wind damage remains under homeowners or wind policies. Many claims involve both... coordinate deductibles with your local agent.

SR-22 Insurance

Getting back on the road after a violation shouldn't be complicated. GreatFlorida® SR-22 Insurance in Bradenton, FL helps you meet state requirements quickly with affordable filing options from multiple Insurance Companies so you can restore your driving privileges and move forward.

Your local GreatFlorida® agent will handle your Bradenton, FL SR-22 filing and ensure continuous coverage to avoid license suspension. When you need proof of financial responsibility, fast and reliable service keeps you legally on the road.

Get a Free SR-22 Insurance Quote in Bradenton, FL

Frequently Asked Questions (FAQs)

Is SR-22 insurance the same as regular car insurance?

No. SR-22 is a certificate filed by your insurer to show you carry the required coverage. It is not a separate insurance policy but rather proof that you maintain continuous liability coverage as mandated by the state of Bradenton, FL.

How long do I need an SR-22 in Bradenton?

Most drivers in Bradenton need to maintain it for three years, but the court may order a longer period depending on the severity of the violation. Your GreatFlorida® agent can help you understand your specific requirements.

How much does SR-22 insurance cost in Bradenton?

The filing fee is small, usually under $25. The bigger cost is higher insurance premiums because of the violation on your record. Rates vary based on your driving history and coverage needs in Bradenton.

What happens if I cancel my SR-22 policy?

Your insurer must inform the DHSMV. That can cause your license to be suspended again. Contact your local Bradenton agent before making any policy changes to avoid lapses.

Can I switch insurance companies with an SR-22 in Bradenton?

Yes, but you must make sure your new insurer files the SR-22 without a lapse. Any gap in coverage can result in license suspension. Your GreatFlorida® agent can coordinate the transfer seamlessly.

What is the difference between SR-22 and FR-44 in Bradenton?

SR-22 is for general violations. FR-44 is specific to DUI and requires much higher liability limits in Florida. An SR-22 filing in Bradenton typically requires standard minimum coverage, while FR-44 mandates significantly increased limits.
About Me

Family owned and operated agency since 2005. Resident of Manatee County since 1988. Taught in Manatee School system  for years. Before moving from New Jersey to Florida  was a vice president with Dean Witter Reynolds.

Education

Rutgers University B.A. 1973
Nova Southeastern University M.ed  1993

Agent Since
2003