Recommended elite-level agency with higher expertise to match insurance coverage. Recommended Local Agency
Gulf Harbor Insurance
  • Home
  • Auto
  • Life

Gulf Harbor Insurance

Independent Insurance Agent in Cape Coral, FL

About us

Looking out for you and your family


Gulf Harbor Insurance is a Trusted Choice independent insurance agency providing personal and commercial insurance for individuals, families, and businesses in Florida. We do more than provide insurance.

Our goal is to understand our client's needs, educate them on insurance options, and to find the coverage that meets their needs and budget. Gulf Harbor Insurance is committed to and focused on providing superior customer service and building relationships with our customers.

At Gulf Harbor Insurance, we treat you like family!


Personal Lines insurance experts

Ask me about these types of insurance...

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 a umbrella insurance quote

Our independent insurance agents will find you the right insurance for your farm that covers everything you need.

Request a farm insurance quote

Why choose Gulf Harbor Insurance

States we serve

  • Florida

Our insurance coverages

Personal insurance coverage

  • Automobile
  • Boat
  • Builders Risk / Construction
  • Collectible Auto
  • Condo
  • Earthquake
  • Farm
  • Flood
  • Home
  • Identity Fraud
  • Landlord
  • Motorcycle
  • Other
  • Personal Watercraft
  • Pet
  • Renters
  • Short-Term / Sharing
  • Special Event
  • Travel Trailer
  • Umbrella
  • Vacant Land
  • Valuable Items

Life & Annuties coverage

  • Annuities
  • Life

Recommended insurance company partners

Other companies we work with:

American Reliable Insurance, Bristol West Insurance Company, Centauri Insurance, Gulfstream Property and Casualty, Hagerty, Heritage Insurance Company, Hudson Insurance Group, Jewelers Mutual Insurance Company, Lexington Insurance Co, Lloyd's, Olympus Insurance Company, Scottsdale Insurance Company, Southern Oak Insurance, TypTap Insurance, UPC Insurance, United States Liab, Universal North American, Vindati

Gulf Harbor Insurance Reviews

Average based on 10 reviews Leave a review

Customer Reviews

February 28, 2022

Living in Oregon and buying a home long-distance, I found this agency because of their many great reviews. And here's another one! Amanda Anzalone was extremely helpful, quick to respond to our needs, and found us the right insurance for what we needed. I point this out because another local agent in the area had initially given us a better quote, but we found out that they were intentionally mis-representing our property as owner occupied, when we stated from the beginning that it would be rented. It was basically a fraudulent quote (and would have meant we had no coverage in the event of a claim.....) Amanda did things properly from the beginning, she made sure we had the correct coverage in the correct amounts. Then the carrier needed photos of the house, and she was even kind enough to drive over and take pictures for us. She's been a great help, I would highly recommend Gulf Harbor Insurance and Amanda Anzalone.

April 21, 2021

In helping my father obtain homeowner's insurance, the team at Gulf Harbor Insurance made it simple from the first phone call to the signature on the policy. I highly recommend Gulf Harbor Insurance for all of your insurance needs!!!! You will be happy that you did.

October 7, 2019

Always Honest. They really work hard to get you the best coverage.

October 2, 2019

Rod and his associates are the most professional agents weve ever had the pleasure to deal with.they show a true interest and concern in making sure all you needs are addressed and explained each section of the policy no agent ever took the time to point out these important areas of coverage will always recommend there service to other business and personal associates.

October 1, 2019

Gulf Harbor Insurance has provided us with honest, sound counsel in regards to our homeowners insurance and automobile insurance. Rod and Lori are extremely knowledgeable, trustworthy and experienced. They took the time to explain our options as we decided on the best coverages for our situation. When we refinanced our house, Rod made sure our information was submitted in a timely manner and even caught mistakes made by the underwriters. Thanks to Rod and Gulf Harbor Insurance, our closing was smooth and error-free! Gulf Harbor Insurance doesn't insure houses, they insure people's homes! We have peace of mind knowing that we have great insurance coverage at the best price! Thank you, Gulf Harbor Insurance!

October 1, 2019

We have been so pleased with Gulf Harbor Insurance after 30 years of living in Cape Coral and being clients of other insurance agencies. The service provided by Gulf Harbor agents far exceeds what we have experienced in the past. They truly are "looking out for you and your family."

October 1, 2019

Looking for a good insurance agent? Then Rod Michaels is your man. He is "extremely" organized and time conscious. We have "all" our insurance with him and if we buy more, it will be with him. He will provide a written comparison of your current insurance with what he has to offer and even tell you if yours is the same or better than what he can offer. He does not pressure you to buy--only tries to help you to make sure you have adequate coverage. I highly recommend him!

October 1, 2019

I have been very impressed and pleased with Gulf Harbor Insurance. After over 30 years of living in Cape Coral and being a client of other local insurance agencies, the service provided by Rod, Lori, and the team of Gulf Harbor agents far exceeds what we have experienced in the past. They truly are looking out for you and your family.

September 27, 2019

I don't know what I have done without them so far! They ALWAYS go the extra mile and if I don't understand something they take the time to explain it for me. They are thorough and efficient and I trust ALL my insurances for home and business to them and have in fact switched ALL over to them. I would highly recommend them to anyone and I always refer them when I have the chance.

September 19, 2019

I was referred to Gulf Harbor Insurance and was not disappointed! I was in a rush to get home owners insurance being a first time home buyer and switching companies last minute. Rod directed me to speak with Carla and she went above and beyond for me. They searched for the best quote possible for my needs and ended up getting me better coverage for a lower rate than I initially had. Carla walked me through each listing on my quote and broke it down for me so I could completely understand what I was getting. She let me know if I ever need anything at all, to contact the office and theyd take care of it for me. Rod & Lori are two very honorable people and their business shows that with their quality of service and people they keep in their office to represent it. I highly recommend Gulf Harbor Insurance and willingly direct anyone I know their way!

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Gulf Harbor Insurance

Looking out for you and your family

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