Auto Insurance
Liability, collision, comprehensive, and PIP options compared across carriers for Southwest Florida drivers.
Independent Insurance Agency in Florida
About PRK Insurance Florida
PRK Insurance Florida helps Naples and Southwest Florida residents compare and manage auto insurance, home insurance, condo insurance, and flood insurance, along with umbrella, boat, life, and business coverage. As part of the PRK Insurance network, our Florida office pairs local, personal service with the experience and values of an established insurance brand — from your first quote through policy reviews, renewals, and claims.
Local Knowledge. Personal Service.
PRK Insurance Florida serves Naples and Southwest Florida with coverage built around what local residents actually need: auto, home, condo, and flood insurance. As an independent agency, we compare options from multiple trusted carriers rather than selling one company’s products, then help you weigh price against protection so you’re neither over- nor under-insured.
Florida Focus
We focus on Naples and Southwest Florida, where wind, water, and coastal risk shape every policy. From hurricane deductibles to flood zones and condo master-policy gaps, we help you understand exactly what your coverage includes — and what it doesn’t — before you need it.
Connected PRK Values
In 2010, Gerard partnered with Alan Preller and Lan Rice of Preller & Rice, Inc. to form PRK Insurance Florida, combining deep experience to better serve clients across Florida. That same client-first approach guides our Naples office today: honest advice, responsive service, and recommendations made in your interest.
What We Do
We offer personal and business insurance across Naples and Southwest Florida, led by the coverage Floridians need most: auto, home, condo, and flood. Select a coverage type below to learn more.
Home Insurance
Homeowners coverage with wind and hurricane considerations, rebuild-cost guidance, and real protection.
Condo Insurance
HO-6 policies covering your unit’s interior and belongings, coordinated with your association’s master policy.
Flood Insurance
NFIP and private flood options for the rising-water damage that home policies exclude. Plan ahead.
Business Insurance
General liability, BOPs, and industry-specific coverage for your business, employees, and operations.
Umbrella Insurance
Extra liability protection above home and auto limits to shield savings and assets from large claims.
Commercial Property
Buildings, equipment, and inventory covered, with business-interruption options to protect income.
Commercial Insurance
Compare commercial coverage options quickly and keep protection aligned as your business grows.
Boat Insurance
Hull, liability, towing, and uninsured-boater options for Southwest Florida waters.
Life Insurance
Term and whole life options sized to your family’s income, debts, and long-term goals.
Workers Compensation
Meets Florida requirements while covering medical costs and lost wages after workplace injuries.
Cyber Liability
Coverage for data breaches and ransomware: legal costs, notification, recovery, and interruption.
Landlord Insurance
Building, liability, and loss-of-rent coverage for rental property owners.
Get coverage options fast
Request a quote online or call 239-799-5884 for a personalized policy review.
Our Team
PRK Insurance is supported by licensed insurance professionals who explain options in plain language and stay with you through quotes, policy changes, renewals, and claims.
Service that feels personal
You work with people who know your policies and your area, with attentive support and coverage guidance that makes sense.
Our Core Values
We operate with a service first mindset grounded in trust, clarity, and professionalism.
Customer Focus
Personalized support and recommendations centered on your needs, not a sales quota.
Integrity
Honest, transparent advice in every interaction — including when the best move is keeping what you have.
Professionalism
Licensed guidance delivered with consistent care and prompt follow-through.
FAQs
Quick answers to common questions. Contact our team anytime for help with next steps.
What types of insurance does PRK Insurance Florida offer?
Our core focus is auto, home, condo, and flood insurance for Naples and Southwest Florida. We also arrange umbrella, boat, life, and landlord coverage, plus business insurance including general liability, commercial property, workers’ compensation, and cyber liability.
Is PRK Insurance an independent agency?
Yes. We work with multiple trusted carriers rather than representing one company, so we can compare pricing and coverage side by side and recommend what actually fits — and re-shop your options at renewal if the market changes.
What areas do you serve?
We focus on Naples and greater Southwest Florida and can assist clients across the state. Our office is at 999 Vanderbilt Beach Rd, Suite 300, Naples, FL 34108.
Do you offer business insurance in Florida?
Yes. We help business owners with general liability, business owners policies, commercial property, commercial auto, workers’ compensation, and cyber liability, tailored to your industry and contract requirements.
Can you review my current policies?
Yes. Share your current declarations pages and we’ll walk through what’s covered, where the gaps are, and whether your limits still match your home value, assets, and risk. There’s no obligation to switch.
Will switching insurance leave me with a coverage gap?
No. We time your new policy to begin when the old one ends and never cancel existing coverage until replacement protection is in place.
Do you help with claims?
Yes. When you have a loss, we help you understand your coverage, get the claim filed with your carrier, and stay involved until it’s resolved.
How do I get started?
Request a quote online or call 239-799-5884. We’ll ask a few quick questions, compare options across carriers, and come back with clear recommendations and next steps.
Ready to get started?
Request an online quote or contact PRK Insurance for personalized guidance.