Citizens flood rule starts in 2027 →
A&D Insurance Services

Local to Brandon, serving Hillsborough County.

Our office is at 214 W Brandon Blvd, Brandon, FL 33511. We insure homeowners, renters, drivers, families, retirees and business owners in the communities around it, in person, by phone or by email.

Communities

Where our clients live and work.

Insurance in Hillsborough County changes street by street. Flood zone, distance to the bay, the age of the home and the roof all affect which insurers will quote and at what price.

  • Brandon

    ZIP 33510, 33511

    Our home base. Many neighborhoods sit outside mapped high-risk flood zones, where flood coverage is optional but worth pricing.

  • Riverview

    ZIP 33569, 33578, 33579

    Newer subdivisions alongside homes near the Alafia River, where flood zone and elevation shape the cost of coverage.

  • Valrico

    ZIP 33594, 33596

    Established homes where roof age, wind mitigation reports and four-point inspections often decide which insurers will quote.

  • Seffner

    ZIP 33584

    A mix of site-built and manufactured homes, each needing a different policy form.

  • Bloomingdale

    ZIP 33596, 33511

    Family neighborhoods between Brandon and Valrico, with many homes now at the age when inspections are requested.

  • Lithia

    ZIP 33547

    Larger lots and homes close to the Alafia River, which reached its highest level since 1933 during Hurricane Milton.

  • FishHawk

    ZIP 33547

    Newer construction that often qualifies for wind mitigation credits.

  • Mango

    ZIP 33550

    Homeowners, renters and landlords close to the Brandon office.

  • Dover

    ZIP 33527

    Rural properties, farms and small businesses with equipment and vehicles to insure.

  • Gibsonton

    ZIP 33534

    Close to Tampa Bay and the mouth of the Alafia River, where flood insurance is a priority.

  • Apollo Beach

    ZIP 33572

    Waterfront and canal homes where wind and flood coverage need the most attention.

  • Plant City

    ZIP 33563, 33565, 33566, 33567

    Homes, farms and local businesses in east Hillsborough County.

  • Tampa

    Hillsborough County

    Clients across Tampa work with us by phone and email for home, auto, health and Medicare coverage.

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Outside these areas?

We work with clients across Florida by phone and email. Tell us where you are and what you need to insure.

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