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Wallace Welch & Willingham, Inc.
  • Business
  • Home
  • Auto
  • Life
This badge signifies we are a Trusted Choice agency. As a Trusted Choice agency, we understand your needs as a member of your local community. We use our broad market access to provide you with choices and are committed to offering you expertise, guidance, and tailored service for years to come.

Wallace Welch & Willingham, Inc.

Independent Insurance Agent in St Petersburg, FL

About us

Peace of Mind Is Here

Founded in 1925, Wallace Welch & Willingham has a rich history of providing quality service and unwavering commitment to clients and community.

When it comes to Personal Insurance, there is no one-size-fits-all answer. Starting from the beginning with each client, we make sure your insurance policies are tailored to your needs. Your W3 agent will carefully review your options and craft an insurance program to address your unique risk exposures.

Contact us for insurance advice regarding home, flood, auto, personal umbrella, jewelry, high net worth/luxury homes, life and more. Our agency has a dedicated staff of marine advisors to assist with boat/yacht/charters. Visit w3ins.com to discover our capabilities. We look forward to partnering with you on the transformative journey from client to raving fan!



Personal Lines insurance professionals

Ask me about these types of insurance...

Having the right car insurance is so important, even more important is understanding all the ins and outs of your coverage to help protect you.

Request an automobile insurance quote

Get multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.

Request a homeowners insurance quote

An independent insurance agent will walk you through top umbrella policy options to make sure you have the proper coverage to tackle above and beyond claims.

Request an umbrella insurance quote

Why choose Wallace Welch & Willingham, Inc.

States we serve

  • Florida

Our insurance coverages

Personal insurance coverage

  • Automobile
  • Boat
  • Builders Risk / Construction
  • Collectible Auto
  • Condo
  • Flood
  • Home
  • Motorcycle
  • Other
  • Personal Watercraft
  • Pet
  • RV / Motorhome
  • Renters
  • Umbrella
  • Valuable Items

Business insurance coverage

  • Business Owners Package (BOP)
  • Business Vehicle
  • General Liability
  • Property

Life & Annuties coverage

  • Annuities
  • Life

Recommended insurance company partners

Other companies we work with:

Burns & Wilcox, CNA, Chubb, FFVA Mutual Insurance Company, Hiscox Ins Co Inc., Markel Specialty, Mercury Insurance Group, RPS, The Hanover Insurance Group, US Assure, Universal North American, Vindati

Wallace Welch & Willingham, Inc. Team

Doris Sova - Personal Lines Manager
Doris Sova
Personal Lines Manager
(727) 522-7777
  • AINS
Keith Gramling - President
Keith Gramling
(727) 522-7777
  • CPCU
Connie Ferret - Chief Risk Officer
Connie Ferret
Chief Risk Officer
(727) 522-7777
  • CIC
  • CRM

Wallace Welch & Willingham, Inc. Reviews

Average based on 19 reviews Leave a review

Customer Reviews

March 9, 2021

W3 saved us over $6,000 on our beach insurance! It's comforting knowing I can call, and you will answer my questions.

March 9, 2021

The best word to describe my experience with W3 is AMAZING! They were able to write a homeowners policy with better coverage, a lower deductible, and an annual savings of over $3,600. W3 also saved me $1,000 a year by switching my auto insurance with no changes in policy coverage. I doubt that anyone can surpass W3.

June 23, 2020

We had a great experience working with Gina Beyer for our insurance. She is very professional, patient and willing to answer all our questions. It was clear to us that she is very competent and we trust her judgement to provide informed options about the different products available to us. We had a wonderful experience working with Gina and we send for our recommendation without reservation to others who are looking for a very qualified insurance broker to assist them with their needs.

June 21, 2020

Dealing with Gina Beyer at your Agency has been one of most professional experiences EVER! She is Friendly, professional, knowledgeable and an incredibly amazing woman with whom to deal. There was nothing that she couldn't explain or suggest. I'm totally following her advice. You have a real STAR there.

May 6, 2020

I had the pleasure of communicating briefly with Barbara Geiger recently regarding our automobile insurance needs. She was professional, prompt and very knowledgeable about what we needed. Unfortunately, we were not able to finalize a transfer of our automobile policy at this time. I look forward to touching base with Ms. Geiger in approximately 6 months to review our insurance needs at that time.

March 30, 2020

I am working with Janet Bognor and she provides excellent service, makes time for you, is proactive and efficient. I moved from another agency and now have 5 insurance policies with Wallace Welch and Willinghan

March 25, 2020

Gina Beyer is an Awesome Advisor. Great Job! Thanks

March 24, 2020

Sailing Florida Charters has been in business over 20 years with 33 yachts. In those 20 years, we have been loyal clients of Wallace, Welch, & Willingham. They have provided our yacht and G/L policies over the years. Gina Beyer has worked diligently to provide the best service for our the yacht owners. It is a very time consuming job and requires a high level of attention to detail. We are very satisfied with our long term relationship!

March 20, 2020

I recently moved here from Cape Cod MA and Janet Bognar has been guiding me through the process of getting mu insurance lined up. Janet has great follow up and had shown me my options to choose from. I feel confident that Janet has my best interests at hand and helped me select what was best for me.

March 20, 2020

Beverly was very helpful and professional and sent us a quote promptly.


Wallace Welch & Willingham, Inc.

Peace of Mind Is Here

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