Independent Insurance Agency


Your Trusted Partner for Homeowners, Auto & Business Insurance

Who we are

Dependable home, auto, and business

We are a locally owned small business, based in sunny Jacksonville, FL. Since 2014, we have been assisting clients all over Florida with their homeowners, auto & business insurance needs.

a wide variety of insurance needs


Whether you live in a house, condo, or apartment, we want to give you ease of mind knowing that your home is in the right hands.


From personal to business to specialty vehicles, we'll make sure that your method of transportation is covered.


Having insurance is a crucial part in running a business. We offer many coverage plans to make sure you get the options you need.


@Jesikah Black
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Whitney was a tremendous help! She would work late and make calls to doctors to get answers for me. It had been a nightmare trying to get insurance until contacting Whitney and she made everything so simple. She had the knowledge to get things done. There has been a weight lifted and I owe it all to Whitney. I highly recommend working with her. Super sweet and caring.
@Miguel H Salas
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We have had Whitney taking care of all of our business and home insurance needs for a few years now. We were impressed with Whitney’s knowledge of our specific insurance needs and very happy with our rates. Imagine our surprise when it came time to renew we saw that our rates had actually gone down! Whitney is constantly working on our behalf to get us the best possible rates even after she has already earned our business! Thank you Whitney! I could not recommend Palm Insurance any more highly!
@Eileen Ferrell McVeigh
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Whitney Ricci, owner of Palm Insurance is a remarkable insurance agent. She is always very timely in getting quotes together for my clients. She takes the time to find out about each person’s unique situation, so that the insurance can be exactly the coverage that they need and at the lowest price possible. Palm Insurance has a great selection of companies that they represent, so you don’t get a “one size fits all” policy. If you haven’t checked to see if you can get a better rate on your homeowners, auto or boat policy; give Whitney a call today. You’ll be glad you did.
@Rita Eidson
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I contacted Whitney for assistance with my condo insurance needs to include flood. I am not in a Flood zone but have carried coverage since buying my unit 10 years ago. The carrier I HAD was just renewing my coverage without talking to me. In the summer of 2016, the Nat’l Flood Program changed some regulations that Whitney found thru her research and education and was able to SAVE me over $300. I will and have confidently referred Whitney and Palm Insurance to friends and colleagues. Thank you!
@Adam Rigel
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Whitney has been killing it for my business insurance needs as well as the insurance needs for me personally and my employees. The best part of working with Whitney is the fact that she listens to your needs and actually cares. That may sound funny to find someone that actually cares but it makes all the difference in the world. She has revolutionized our business insurance system which is very complex. She found multiple areas that we could save money, time, all while decreasing our risk. We have started referring her out to our clients as a trusted partner due to her exceptional service she has provided to our business. Thank you Whitney and keep up the great work!
@Beth Terry
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Very knowledgeable and provided a lot of options. Up front and honest. Great customer service.
@Josh Hughes
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What a Great Experience!!! Working with Whitney was Awesome! She was extremely attentive to my needs. She helped me find the best coverage I could get. She is very knowledgeable and a pleasure to work with. Thanks Whitney!
@Meagan Cruz
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Whitney is amazing. She helped us with our homeowners insurance (in addition to flood). We are first time home owners and she made the process effortless and provided us with great coverage.
@Suzy McGuffin
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Whitney does our auto and home, and has saved us so much money! She is great!
@Brittany Knapp Schupp
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Whitney does an incredible job at not only finding the best policies for your needs, but also finds the best possible quotes to choose from. She is the epitome of professional, and has top shelf knowledge when it comes to knowing the insurance world. I highly recommend Whitney, and would trust her for anything you may need covered.
@Melissa Gillispie
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Whitney Ricci is fantastic! Superb customer service, great quotes, and works to find a policy that meets all your needs! I would recommend her to ANYONE looking to change or add an insurance policy.
@Anthony Sifakis
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Whitney and Brian, As Usual, Thank you so much for the great customer service today. You really helped me out by sending over that insurance card so quickly. Thank you very much,
@Stephanie Garthe Riley
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Palm Insurance found me phenomenal home insurance coverage policy at with more coverage than my current AND at a lower price! In fact they took such great care of my home insurance needs, my fiancé and I ended up switching our car insurance to a policy through them as well. Friendly. Fast. Affordable.
@Alex Sifakis
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Whitney has saved my company, and myself personally, thousands of dollars in insurance over the past year. In addition to the savings, she is a true consultant, explaining insurance (which can be very confusing) in a way that you can understand, and therefore make the best decision for yourself. Last, and certainly not least, she is always a pleasure to work with – totally unmatched customer service. I highly recommend her!
@Victoria Smart Rosales
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Whitney saved me about $70/month for my car insurance! She is not only easy to work with, but she truly cares about making sure you’re getting all the right coverage at the best price. She is extraordinarily responsive and makes decisions in the best interest of her clients. I recommend Whitney to anybody looking for superior service for all insurance needs!
@Jason March
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Excellent service, staff is very attentive and respectful over the phone. Quick to return with a quote and very competitive pricing. Highly recommend Whitney and her team!
@Bailey Elizabeth
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Whitney is the most professional and hardworking person I know! Pick her 🙂
@Kyle Jarvis
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Whitney saved me 25%+ off my home owner’s insurance!
@Erwin Rusli
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Please go with Whitney Ricci and Palm insurance for any and all of your insurance needs! My wife and I bought our first home and was fortunate enough to have Whitney guide us through the maze of finding a quality but affordable Home Owners Insurance. She made the process effortless so much so that we went back to Whitney to help us find car insurance as well. She’s extremely knowledgeable, always responds quickly, easy going and won’t try to sell you services you don’t need. We highly recommend Palm Insurance and we are looking forward to working with her again soon! Thanks Whitney for everything!
@Kyle Passkiewicz
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Whitney and palm are the best. They have been doing my insurance for years. When we needed to make a claim she was very responsive and helpful! Best around!
@Greg Bowman
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Whitney is amazing! My clients love her service and she consistently finds the best rate and program. If you’re looking for options and great service for the best price, call Whitney.
@Erica Scott
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Whitney and her wonderful team have been a PLEASURE to work with! They’ve helped me with our business insurance and with my personal policies. I have sent a lot of people to them and they’ve been amazing for each and every one of them. You can’t go wrong choosing to work with Whitney and her team!
@Caroline Lovelace
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Whitney is fabulous. She helped me out of a jam with homeowners insurance company. I’d recommend her to anyone looking for great rates and stellar service!
@Frank Whalen Maloney
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Top of her field. I would recommend her to friends & family