Bradenton, Florida · Independent Agency
Florida insurance, explained clearly and shopped for you.
The Martel Agency is an independent agency in Bradenton. We compare homeowners, auto, flood, and commercial coverage across multiple Florida carriers, walk you through wind mitigation and hurricane deductibles in simple terms, and stay in your corner when there's a claim.
What we insure
Coverage for life on the Gulf Coast
One agency for the policies that matter most in Manatee County. Tell us what you need covered, we'll shop it across our carrier appointments and show you the trade offs, not just the cheapest number.
Homeowners
Owner occupied homes, including older roofs and coastal properties. We check wind mitigation credits, roof age rules, and hurricane deductible options carrier by carrier.
Condo & Second Homes
Condo unit owners (HO6), townhomes, and seasonal or second homes, with the loss assessment and water damage details condo owners actually get hit with.
Flood Insurance
Homeowners insurance does not cover flood, and in Florida, flood doesn't only happen in flood zones. NFIP and private flood options, explained by your actual risk.
Auto
Personal auto, bundled with your home when it saves you money, plus coverage reviews so a low premium doesn't mean a bare bones policy after an accident.
Umbrella & Liability
Extra liability protection over your home and auto. Often the most affordable peace of mind a Florida household can buy.
Commercial
General liability, business owners policies, commercial property, and workers' compensation for Manatee County businesses, including the contractors building our growth.
Why Danielli
An agent who has sat on the claims side of the table
Most agencies sell you a policy and disappear. Our founder, Danielli Martel, brings nearly 25 years of insurance experience to every quote, including years of public adjusting work advocating for property owners through hurricane, burst pipe, fire, flood, and tornado claims, even a vehicle that drove into a home. That experience changes how we write coverage on day one.
- We shop, you choose. As an independent agency, we compare multiple appointed Florida carriers and show you price and coverage differences side by side.
- Written for claim day. We flag the exclusions, deductible traps, and roof schedule payouts that only show up after a storm, before you sign.
- Local and reachable. Bradenton based, serving our neighbors in Manatee County. Call and you'll reach the agency, not a call center.
- No pressure reviews. New to Florida or just got a nonrenewal letter? We'll review what you have and tell you honestly if it's already right.
Carrier appointments include
Appointments through SAN of Florida (SIAA). Availability varies by property and underwriting. We'll tell you which carriers fit your home before we quote.
Florida, translated
Three things every Manatee County homeowner should know
Wind mitigation credits
A wind mitigation inspection documents your roof's straps, clips, and shape. It commonly saves Florida homeowners hundreds to over two thousand dollars a year, yet many policies are missing credits they've already earned. Ask us to check yours.
Hurricane deductibles
Florida home policies carry a separate hurricane deductible, usually 2 to 10 percent of the home's insured value, not a flat dollar amount. On a $450,000 home, 2% means $9,000 out of pocket after a named storm. We model the real number with you.
Flood is separate
Standard homeowners insurance excludes flood damage, and a storm doesn't need to flood a mapped flood zone to flood your street. Flood policies typically have a 30 day waiting period, the time to ask is before hurricane season, not during it.
How it works
From quote to covered, in three steps
Tell us about your home
Call 813-999-2029 or send the form below. Five minutes of questions: address, roof, updates, current policy if you have one.
Compare real options
We shop your coverage across our carriers and explain the differences in simple terms, including where a cheaper quote cuts corners.
Bind with confidence
Choose the policy that fits. We handle the paperwork, and we're here at renewal and on claim day, not just at the sale.
Areas served
Proudly serving Bradenton & Manatee County
Based in Bradenton and focused on the communities growing around us, from historic Bradenton neighborhoods to the newest builds out east.
- Bradenton, including West Bradenton, Palma Sola, and the River District
- Lakewood Ranch, all villages, new construction welcome
- Parrish & Ellenton, fast growing communities, new mover reviews
- Palmetto, Anna Maria, Holmes Beach & Bradenton Beach, coastal and island properties
- Sarasota & surrounding areas, by referral and for bundled households
Just moved here? Florida insurance works differently than every other state. Ask for a free new homeowner review before your lender's deadline.
Free quote · No obligation
Request your quote
Send the details and we'll shop your coverage. Prefer to talk? Call 813-999-2029.
Contact The Martel Agency
Phone
813-999-2029, tap to call
Office
1201 6th Avenue W 100-995
Bradenton, FL 34205
Email
danielli@martelagencyinc.com
Hours
Monday to Friday, 9 AM to 5 PM ET
Evenings & weekends by appointment
Licensed Florida insurance agency. Danielli Martel, Principal Agent, License E067720. Agency License L138179. E&O insured. Serving Manatee County and surrounding areas.
Call 813-999-2029