Harbour Bay Insurance · St. Petersburg
Insurance guidance made human.
Clear, personalized help with Medicare, health and supplemental coverage, life insurance, and financial services — with an agent who takes time to explain your options.
A clearer insurance experience
Insurance should feel simple.
Harbour Bay Insurance, LLC helps clients understand available coverage and financial-service options so decisions can be based on individual needs, goals, and circumstances.
The focus stays on education, personal service, and clear explanations so clients can understand their options before making a decision.
Our services
Guidance for Every Stage
Personalized guidance, real conversations, and clearer next steps for the coverage and financial decisions that matter to you.
Medicare Guidance
Help understanding Medicare Advantage Plans and Medicare Supplement Plans based on your individual healthcare needs.
Explore Medicare
Health & Supplemental Coverage
Health insurance guidance plus supplemental options such as dental, home healthcare, hospital indemnity, disability, and cancer plans.
Explore coverage
Individual Coverage
Need health coverage for yourself or your family? We help individuals and families review available options. Businesses can also ask about group coverage for 5 or more employees.
Easy application. Call for a quote and clear guidance on available coverage.
Call for a quote
Life Insurance
Coverage guidance designed around the people you care about, your responsibilities, and your longer-term priorities.
Protect what matters
Personalized Financial Services
Personalized financial guidance built around your current situation, needs, objectives, and financial goals.
Explore financial services
Medicare Advantage + Supplement
Understand your Medicare options before choosing coverage.
Navigating Medicare can feel overwhelming. Harbour Bay Insurance takes time to ask questions, review eligibility, and help clients understand Medicare Advantage and Medicare Supplement options that may fit their individual healthcare needs.
Why Harbour Bay Insurance
Experienced guidance, kept personal.
Experienced Guidance
Insurance and financial-service conversations are handled with a practical, education-first approach.
Education First
Clients are given clear information so they can better understand the options available to them.
Personalized Guidance
Solutions are considered around each client's individual situation, needs, and goals.
Multi-State Service
Serving clients across multiple states, subject to applicable licensing.
Service Areas
Serving Clients Across Multiple States
Harbour Bay Insurance serves clients across seven states, subject to applicable licensing.
Licensed service areas
Physical office: St. Petersburg, Florida.
A personal approach
Real questions deserve clear answers.
You do not need to figure everything out alone. Harbour Bay Insurance is built around conversations, explanation, and practical next steps.
Google Reviews
A clean summary of Harbour Bay Insurance's current public Google review presence.
What Clients Are Saying
A real review from a Harbour Bay Insurance client.
This section uses a real public review excerpt instead of placeholder testimonials.
After I retired, she was there to help me with choosing the right Medicare plan.
The reviewer also praised Teresa for helping with life insurance and said they highly recommend her for insurance needs.
Questions about your options?
Get clear information before you make a decision.
Consultations are complimentary and available by appointment.