Expertly crafted policies

Reliable Coverage for Life’s Big Moments

Protecting your home, auto, life, and business with trusted solutions.

We're here to assist you with exploring protection.

"Your peace of mind is our priority. At Palm City Insured, we protect what matters most—so you can focus on living confidently, every day"

Whether you are already a Florida resident or just moving here to enjoy all the sunshine state has to offer, there is a lot to learn about the ever-changing insurance landscape here in Florida. Our goal at Palm City Insured is to help you navigate the marketplace and secure the proper coverages to protect what is most important to your family. If you are looking for a better value for Home and Auto coverage or trying to protect your family and legacy with Life Insurance, we have the right industry knowledge, experience, and carrier partners to get you covered!

Agency Services

Home, Auto, Personal Umbrella

We offer a full suite of Home, Auto and Asset Protection policies for our clients. We understand the current home marketplace here in Florida and can help you navigate the changes to find the right protection.

Commercial & Business Policies

Do you own a business? We offer a full suite of business insurance strategies to meet the needs of every business owner. Commercial and Fleet Auto, Commercial Property, Key Man and Business Protection policies.

Personal and Business Disability Insurance

Do you have a safety net in the event you can't work? Every household and business needs a disability policy to cover the day to day bills and mortgage in the event that the participants can't work.

Employee Benefit Policies

Did You know, If you offer additional benefits to your employees you may qualify for additional tax credits for the business? Let our business team show you how to roll out the supplemental benefits your employees want while creating the tax savings for the business.

Life Insurance

Protecting your family or business has never been easier. Did you know there are now policies available with no health exam and minimal underwriting. Check out the link below to run your quote today.

Palm City Insured proudly partners with Ethos Life Insurance offering Term and Permanent coverage with no health exam necessary.

FIND OUT MORE

Florida Retirement System Participants

If you are a Florida retirement system participant, We are your plan experts. From D.R.O.P strategies, to post retirement health care we have the right solutions to help you retire on time with confidence.

Palm City Insured

Homeowners Insurance
We have been doing this a long time and know how crazy the homeowners market place has become here in the State. Our team will help you navigate all of the current changes to the markets and educate you on the best policies that are still available to protect your property.

Auto Insurance
Have you had some accidents? Just need to get covered for work? Want to make sure you have enough coverage? Or, Maybe you don't know what coverages you should even be carrying on your Auto Policy?
No Problem! We have the right coverages for any budget and will take the time to educate you about the coverages you actually need to carry on your Auto Policy.

Life Insurance
There is no protection more important in our households than Life Insurance. Whether it is protecting the longevity of a family business, paying off the mortgage, or creating an estate and family legacy. Life Insurance has never been more affordable as it is today. We even have options that require no health exam and just a few questions to get covered.

Retirement
Palm City Insured has worked as a Financial Advisory team statewide here in Florida since 2015, servicing retirees in the private sector and public employees. We also specialize in retirement planning strategies for Florida Retirement System (FRS) and Special Risk participants in law enforcement, and fire rescue. From post retirement income planning to growth strategies we understand the unique challenges that face current retirees. We can help to create the framework, strategies, and policy tools you need to retire with clarity and confidence.

WHY CHOOSE US

We created Palm City Insured with the vision to making Insurance simple.

Smart Savings

We help you find the right protection at the best price—backed by top insurance providers you already know and trust.

Excellent Protection

Whether it's home, auto, or life—we deliver customized plans designed to protect your future while saving you more.

Worldwide Coverage

We proudly partner with Liberty Mutual, Bristol West, Ethos, Progressive, Universal Property and many more to offer comprehensive insurance with confidence and care.

10+

YEARS OF EXPERIENCE

We believe in the core values of Honesty, Education, Simplicity and Value!

Phillip Kech

President -Lead Principal

Phillip began his career as a commodities broker and ran his own commodities brokerage business for 7 years before becoming a Financial Advisor in 2013 with ING Financial Partners in Chicago. Phillip quickly became a team lead, managing a team of advisors specializing in retirement and income strategies for executives teams and individual retirees. In 2015 he moved to Florida to take on a role as the regional director for Access Advisors, a small private advisory group specializing in retirement planning for Florida Retirement System participants, (FRS). When the firm relocated in 2017 he began a new role as an property and casualty agent and life insurance advisor for Allstate. After 5 years as an property and casualty agent and also a life insurance manager, Phillip created Palm City Insured.

"We wanted to make sure we were able to give premier service to clients from all walks of life and all budgets. We created Palm City Insured with the vision to making insurance simple, and affordable for all. We believe in the core values of honesty, education, simplicity and value. These are the values we live by and what drives the work we do with our clients. We want to make sure you have the right coverages for your individual needs."