When most people think about insurance, their focus naturally goes to coverage amounts, premiums, and what’s required by law. But behind every policy is a person—a licensed professional who can help guide you through options, policy decisions, questions, and even life changes. Choosing the right insurance matters, but just as important is knowing the person and agency behind your policy.

In today’s digital world, where quick online quotes and comparison tools are only a click away, it’s easy to overlook the value of working with a knowledgeable, licensed insurance agent who is part of a responsive and well-rounded team. At Comegys Insurance Agency, we believe who you work with is just as important as what coverage you carry—and we’d like to share why.

Imagine this: your life has just changed—you’re opening a business, buying a boat, or expanding your home. You hop online to make updates to your policy. But who’s actually reviewing those updates? Is there someone making sure your policies still match your needs? Or are you relying on a one-size-fits-all form?

That’s where knowing your insurance person changes the experience entirely.

When you work with a licensed agent—someone who’s familiar with your priorities, goals, and changes—your policy decisions aren’t happening in a vacuum. You’re not just a policy number. You’re a person who deserves service that reflects real-life needs.

Comegys Insurance Agency has been serving individuals, families, and businesses for over 85 years. While many know us for our home insurance services across Florida, we offer a wide range of coverage options and a team of licensed professionals who are ready to assist.

We’re based in St. Petersburg, Florida—but we’re licensed in multiple states and work with a variety of carriers, which means we can access multiple options that fit your situation. Our clients include homeowners, entrepreneurs, commercial property investors, healthcare professionals, contractors, and families with changing life stages.

Here’s what sets Comegys apart:

• Dedicated licensed agents who help you explore insurance options that fit your needs.
• Access to multiple carriers—not just one provider or one product.
• Proactive communication to help you stay informed about changes that may affect your insurance.
• Guidance during claims (claims are handled by carriers) and life transitions, like marriage, business growth, or real estate investments.

Many people come to us for homeowners insurance—but that’s only one part of what we offer. Let’s walk through the other types of insurance available through Comegys that clients are often surprised to learn about:

1. Business Insurance

We assist small, mid-sized, and large businesses in reviewing insurance options suited to their operations. Our team helps clients review available coverage options related to:

• Business Owner Policies (BOPs)
• Commercial Auto
• General Liability
• Workers’ Compensation
• Professional Liability
• Cyber Liability
• Builder’s Risk Insurance
• Equipment Breakdown and Tools & Inland Marine

Whether you run a single-location retail shop or a multi-state contracting firm, we work with you to review your goals and help you choose insurance options that align with your operation’s scale and scope.

2. Commercial Property Insurance

Property owners and investors often don’t realize that property insurance varies widely depending on location, age, and usage. We provide access to policies that can be structured by carriers to address your property’s characteristics, whether it’s a strip plaza, warehouse, or mixed-use building.

3. Flood Insurance

As a Florida-based agency, we’re very familiar with the importance of flood insurance. But we also understand that no two properties are alike. We assist clients with information about:

• Reviewing zone classifications
• NFIP options vs. private market
• Excess flood insurance
• Preparing for annual re-evaluations

4. Auto & Recreational Insurance

From personal vehicles to golf carts and motorcycles, we provide access to options for a wide range of vehicles. We also assist with RVs, watercraft, and off-road vehicles like ATVs—helping clients explore choices that match their lifestyle and use.

5. Renters, Condo, and Umbrella Insurance

Insurance isn’t only for property owners. We also assist renters and condo owners in exploring policies that can help cover personal belongings and liability. Umbrella insurance may also be available to extend coverage across personal and business policies.

6. Life Insurance

Discussing life insurance often involves conversations about future needs. Whether it’s for income replacement, business continuity, or estate planning—we help individuals and families review coverage types that reflect their long-term goals.

7. Pet Insurance

Even the furry family members can be included in your insurance conversation. We provide options for pet health insurance that may help cover a range of medical costs.

It’s easy to get insurance when everything is calm. But what about when:

• You need to file a claim and aren’t sure what’s covered?
• A carrier is exiting your market and your renewal is in limbo?
• Your commercial lease requires specific policy language?
• You’re buying a second property in another state?

These are the moments when knowing your agency isn’t just helpful—it’s critical.

At Comegys, our clients know who they’re calling. They know we’ll answer their questions and help connect them to the right carrier or next step. When your needs change, we’re here to help you review your options—not just react.

We’ve designed our approach around service and availability—not just annual renewals. Here’s what you can expect:

• Initial policy review – We take time to understand your current situation, risks, and future plans.
• Ongoing support – Our team is available year-round to address life changes, business growth, or unexpected concerns.
• Multiple carrier access – We’re not limited to one carrier’s products. Instead, we help clients compare choices from a range of national and regional providers.
• Claims guidance – While claims are ultimately handled by carriers, we help answer questions and facilitate communication when needed.
• Educational support – We share blogs, newsletters, and one-on-one conversations to help our clients understand what their policies do—and don’t—cover.

If you’re working with an agent—or thinking about switching—it’s worth asking:

• Is my current policy aligned with my needs today?
• Do I know how to reach my agent if I have a question or concern?
• Has my agent reviewed multiple carriers, or just one?
• Can my agency help me with more than one type of insurance?
• Do they have a local presence and understand my region?

If you don’t feel confident about the answers to those questions, it might be time for a conversation with our team.

At Comegys, we’re not just a business—you’ll find us supporting local events, mentoring new insurance agents, and working with Florida business leaders across industries.

We believe service means being part of the community, staying informed about market changes, helping clients make informed decisions without pressure or confusion.

Whether you're insuring a home, reviewing coverage for your business, or preparing for retirement, your insurance is part of your foundation. 

At Comegys Insurance Agency, we're proud to serve clients who value clarity, service, and human connection. If you're ready for a conversation—not just a quote—we're here to help. 

Let's talk about how we can help you explore the insurance options that align with your needs. Call, click, or stop by—we're local, licensed, and here when you need us.

Disclaimer: This article is for informational purposes only and does not constitute legal or insurance advice and is not a guarantee or offer of coverage. Coverage availability, terms, limits, and pricing vary by carrier, policy, industry, location, and applicable law. Requirements (including workers' compensation) vary by business type and headcount. For guidance on your specific situation, consult a licensed insurance professional and, for lease/contract language, your attorney.