Personalized Specialty Insurance Options in Saint Petersburg, FL

Life doesn’t always fit neatly into one category, especially when it comes to insurance. Beyond your home and your everyday vehicle, you may have other belongings, recreational equipment, and property that deserve protection. At 4th Street Insurance Professionals, we help clients throughout Saint Petersburg, FL, find the right coverage for the things that matter to them, from boats and RVs to motorcycles, condos, and rental properties.



Our approach is simple: we listen, we guide, and we provide options. Because we work with multiple carriers, we can help you compare pricing and coverage levels so you can choose what fits your lifestyle without feeling rushed or overwhelmed. Whether you're exploring weekend adventures on the water or settling into a new rental property, having insurance you understand and feel confident in makes all the difference.

Person points at an insurance document as another person holds a pen, likely signing it.

RV Insurance That Supports Your Florida Adventures

RVs give you the freedom to explore, travel, and enjoy the open road. But they also come with risks that standard auto insurance doesn’t cover. Whether you use your RV year-round or only seasonally, we help you choose protection that fits your travel style and your budget.

RV Coverage Options Include

  • Collision and comprehensive coverage
  • Liability coverage
  • Vacation liability
  • Personal belongings protection
  • Towing and roadside assistance
  • Emergency expense coverage

Because RVs function as both a vehicle and a temporary home, it’s important to understand how each part of your policy affects your protection. We guide you through every detail so your time on the road is carefree and secure.

RV parked on wet road in overcast weather.
Hands cupping a paper boat over a laptop, notepad, and pen on a wooden surface.

Boat and Watercraft Insurance for Coastal Living

Boat Insurance Options Include

  • Physical damage coverage
  • Liability coverage
  • Trailer coverage
  • Personal effects coverage
  • Fuel spill liability
  • Uninsured watercraft protection

We help you review policies designed for boats, jet skis, pontoons, personal watercraft, and more. Understanding the difference between dockside risks, storm damage, and navigation limits makes choosing the right policy much easier, and that’s what we’re here for.

Renters Insurance for Everyday Peace of Mind

What Renters Insurance Can Cover

  • Personal belongings
  • Fire and smoke damage
  • Theft and vandalism
  • Water damage (not flood)
  • Temporary living expenses
  • Liability coverage

Renters insurance is generally one of the most cost-effective types of coverage you can purchase, and we help you understand which limits make sense depending on your lifestyle and needs.

Person signing a renters insurance policy on a clipboard, indoors.
Suburban homes reflected in floodwater on a sunny day.

Flood Insurance for Florida Homeowners and Renters

Living in Florida means being prepared for weather-related risks. Flooding is one of the most common causes of property damage in the state, and it’s rarely covered under standard homeowners or renters insurance. That’s why we help you explore your flood insurance options with clarity and confidence.

Flood Coverage Benefits

  • Protection for your building and belongings
  • Coverage for flood damage is not included in standard policies.
  • Affordable options through multiple providers
  • Guidance on required vs. optional coverage

We help you understand flood zones, elevation considerations, and how to choose a deductible that fits your financial comfort level.

Condo Insurance Designed for Shared Living Spaces

Condo owners face a unique mix of responsibilities. Your association may cover the exterior structure, but everything inside your walls is typically your responsibility. That’s why having the right condo insurance matters.

What Condo Insurance Can Cover

  • Interior structure (walls, floors, and fixtures)
  • Personal belongings
  • Liability protection
  • Loss assessment coverage
  • Additional living expenses after a covered event

We explain the difference between master policies and individual condo policies so you know exactly what your coverage includes and what it doesn’t.

Real estate agent pointing at a model building, presenting a contract.
Two motorcycles on a paved road; one in focus, the other blurred in the background. Sun flares.

Motorcycle Insurance for Riders Who Want Freedom and Protection

Whether you ride daily or only on weekends, choosing the right motorcycle insurance helps protect you from unexpected accidents, injuries, and property damage. Florida’s weather and open roads draw many motorcycle enthusiasts, and we help you choose coverage that reflects your riding habits.

Motorcycle Coverage Options Include

  • Liability coverage
  • Collision and comprehensive protection
  • Uninsured/underinsured motorist protection
  • Custom parts and equipment coverage
  • Medical payments coverage
  • Roadside assistance

We help you compare policies from multiple carriers so you can enjoy the ride knowing you’re covered.

Why Clients Choose Our Agency for Specialty Coverage

What sets 4th Street Insurance Professionals apart is our ability to provide clear explanations, flexible options, and a personal touch. Instead of offering the same policy to everyone, we take the time to learn about your plans, your boat trips, your RV routes, your condo lifestyle, or your rental situation, and help you choose coverage that makes sense for the way you live.

Two men at a desk reviewing documents. One holds a paper, gesturing; the other looks on. Papers and a tablet are on the desk.

When you need to update your policy or ask questions, we’re just a phone call away at 727-522-6610.