Bassine is the Insurance Agency in Port Charlotte specializing in insurance for manufactured homes.
Of course, our licensed agents are trained to look after different types of policies as well. In fact, you can get an insurance quote from multiple carriers for your auto and water vehicle coverage. Here at Bassine, we’ve made filing insurance claims easy. You can either contact our office for information or communicate directly with your company.
Bassine Insurance Agency serves Port Charlotte and all of Charlotte County from our North Fort Myers office. Whether you live in the waterfront Gulf Cove community along the Myakka River, in established neighborhoods in Murdock, in the active 55+ communities of Kings Gate or Maple Leaf, in the gated Riverwood golf community, or near the historic fishing village of El Jobean on Charlotte Harbor, we understand the insurance needs of Port Charlotte residents.
Port Charlotte Zip Codes We Serve
We provide insurance coverage throughout Port Charlotte zip codes 33948, 33952, 33953, 33954, 33980, 33981, and 33983.
Why Port Charlotte Residents Need the Right Insurance
Port Charlotte has been shaped by two major hurricanes in recent memory. Hurricane Charley made a direct Category 4 hit on Port Charlotte in August 2004, causing an estimated $5.4 billion in damage – the city was near the eyewall. Then Hurricane Ian in September 2022 brought additional significant wind and flooding damage to Charlotte County. This experience has made hurricane preparedness deeply ingrained in the local culture.
Charlotte County has extensive FEMA-designated flood zones along Charlotte Harbor, the Peace River, and the Myakka River (Zones AE, A, and VE), while inland areas are generally Zone X. Charlotte Harbor’s funnel geography amplifies storm surge from Gulf hurricanes, putting harbor-front, river, and canal-adjacent properties at elevated risk. Port Charlotte also has significant older housing stock from the 1960s through 1980s – many of these homes do not meet current wind-mitigation building codes, which affects insurance availability and premiums. Wind mitigation inspections can qualify homeowners for valuable insurance credits.
Insurance Solutions for Port Charlotte
We offer homeowners insurance (including help with wind mitigation credits for older homes), flood insurance for harbor and river-adjacent properties, mobile home and manufactured home insurance for Port Charlotte’s many 55+ manufactured home communities, watercraft insurance for Charlotte Harbor and Peace River boaters, auto insurance, and life insurance to serve the area’s large retiree community. Our carrier partners include American Integrity, Federated National, Tower Hill, Safeco, and Travelers.
Call (239) 995-0333 today for a free insurance quote, or request a quote online. Our licensed agents are ready to help you protect your Port Charlotte home and family.
Choose The Type Of Insurance You Need
There’s nothing more important to us than you feeling protected. No matter what you need, we’re here to help you!
Home Insurance in Port Charlotte
We supply coverage in Florida for a variety of dwellings too. You may need home insurance in Port Charlotte for a primary or secondary residence. Condo units and seasonal homes are also covered. Any insurance quote you get from us will be fully transparent.
Boat Insurance in Port Charlotte
We also look after boat insurance in Port Charlotte. There are a variety of different policies like watercraft liability and medical coverage you can choose from. Get in touch with us today to talk to one of our licensed agents. They can walk you through everything you need to know including how to make insurance claims.
Life Insurance in Port Charlotte
Getting a quote for life insurance in Port Charlotte through us is easy. All you need to do to get started is fill out the form on our website. This system is fully transparent. Our experts are always more than happy to explain the process to you so you can make the best decision. Start by getting an insurance quote today. After completion, a trained expert will contact you for the necessary information to provide you with an insurance quote. Make sure to read how easy it is to file insurance claims with us while you wait.
Auto Insurance in Port Charlotte
Bassine Insurance Agency also helps you get affordable auto insurance in Port Charlotte. We are proud to be a member of State Insurance Group. This means our company has developed partnerships with some of the most trusted car insurance carriers across the nation. We offer a variety of different policies including medical expense and liability coverage.
Featured Companies
We work with quality companies that give you the best rates and coverage. If you have any questions, please let us know and we’d be happy to assist you.
Port Charlotte Insurance FAQs
Port Charlotte insurance planning often combines manufactured-home questions, wind and flood exposure, seasonal occupancy and watercraft kept near Charlotte Harbor. Each risk needs its own accurate details. The age and construction of a home, roof and inspection history, exact address, occupancy and attached structures can affect which carriers will consider it. Bassine Insurance Agency helps Port Charlotte residents organize that information and review personal coverage options that fit the request. Bring current declarations pages and any recent inspection or elevation documents. The answers below cover the most useful starting points for property, flood and boat-related conversations before a complete insurance application is submitted.
Yes. Port Charlotte falls within the area handled by our agency. Residents can ask us about residential property, manufactured housing, automobiles, flood coverage, boats and life insurance. Company eligibility rules still apply to every submission. Call with the street address, vehicle or vessel details and intended effective date. We will identify the inspection records, prior policy pages or other supporting documents needed for a meaningful comparison.
Provide the year built, manufacturer, model, size, location, foundation or tie-down information, roof details and occupancy. Include attached rooms, carports, porches and sheds, plus current policy and inspection documents. For a home within a community, tell the agent whether the land is owned or rented. These details help distinguish the dwelling from a site-built or modular home and support accurate underwriting.
Treat them as separate questions. A homeowners or manufactured-home policy can include or separately arrange wind coverage, while direct flood damage is generally handled through a flood policy. Check the exact FEMA map zone, identify the hurricane or wind deductible and confirm whether building and contents flood coverage are both included. Don’t assume one storm-related policy closes every gap.
Seasonal homes can be insured, subject to carrier rules, but the real occupancy and vacancy pattern must be disclosed. Explain how long the home is empty, who checks it, whether it is rented and what protective devices are installed. The mailing address and contact information should also be current. Accurate seasonal-use information helps the agent seek the right policy form and avoids treating the home as a year-round primary residence.
Gather the boat’s year, make, model, length, value, engine details, navigation area, storage location and operator experience. Include the trailer and major equipment when appropriate. Tell the agent whether the boat is kept at a residence, marina, lift or trailer. Coverage, deductible and navigation restrictions vary, so compare the full proposal and not only the vessel value shown on the first page.