Florida insurance protection
Tampa's Independent Florida Insurance Brokerage

The Right Coverage.
The Right Price.
Every Time.

H2H Insurance shops Florida's top A-rated carriers so you don't have to — finding the best policy for your home, auto, and business while saving you time and money.

Get Your Free Quote Call (813) 499-9347
Best of Florida 2022–2024
Trusted Choice Independent Agent
Serving All of Florida

Recognized & Trusted

Trusted Choice
Best of Florida 2022
Best of Florida 2023
Best of Florida 2024
FAIA Member
Why H2H

Insurance Done Differently

We're not a call center. We're your advocates — a small, dedicated team that puts your interests first, every single time.

Truly Independent

We're not beholden to any carrier. We shop the market on your behalf and recommend only what's genuinely best for you.

A-Rated Carriers Only

Every carrier we represent was selected for financial strength, service quality, and a proven history of paying claims when it matters.

Annual Renewal Shopping

We re-shop your policy every year at renewal — keeping your rates competitive without you having to ask.

All of Florida Covered

Based in Tampa Bay, licensed and experienced to serve clients across the entire state of Florida — coast to coast, top to bottom.

You'll Always Know Us

Our small team means you speak with the same people every time — people who know your name, your policy, and your story.

Legal & Financial Expertise

Our ownership team includes a licensed Florida Bar attorney and CPA — a depth of knowledge rarely found at an insurance brokerage.

What We Cover

Complete Protection for Your Life

From your home to your car to your business, we find the right coverage across our curated network of A-rated Florida carriers.

Home Insurance

Home Insurance

Protecting the place you call home is our specialty. We find the right homeowners coverage tailored to your property, situation, and budget.

Auto Insurance

Auto Insurance

Whether it's one car or multiple vehicles, we shop across carriers to find the coverage you need at a price that actually makes sense.

Business Insurance

Business Insurance

Your business is your livelihood. We help small business owners protect what they've built with the right commercial coverage for their unique risks.

Flood Insurance

Many Florida homeowners are at risk without knowing it. We help you understand your exposure and secure the right flood protection.

Renters Insurance

Your belongings deserve protection even if you don't own your home. Affordable, essential coverage done right.

Condo Insurance

Condo coverage is nuanced and often misunderstood. We navigate your association's master policy to fill the gaps properly.

Watercraft Insurance

From fishing boats to offshore vessels, we find watercraft coverage that protects your time on Florida's beautiful waters.

Umbrella Insurance

When standard policies reach their limits, umbrella coverage provides an extra layer of protection for your assets and peace of mind.

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About H2H Insurance

Insurance That Feels Personal

H2H Insurance is an independent insurance brokerage based in the Tampa Bay area, serving the entire state of Florida. Founded by Gina Hogan and Stephen Hachey, H2H was built on a straightforward idea: insurance should be personal, honest, and easy to navigate. As an independent brokerage, they answer to one party only — the clients they serve.

Principal Agent Gina Hogan holds a BBA in Marketing from Eastern Michigan University and brings over two decades of customer service experience to every interaction. Her passion is making the insurance process genuinely simple and even enjoyable. Co-owner Stephen Hachey is a licensed Florida Bar attorney and Certified Public Accountant — a depth of expertise rarely found at an insurance brokerage.

What truly sets H2H apart is the relationship. They are a small, intentional team — which means when you call, you speak with someone who already knows you. Every client is treated exactly the way Gina and Stephen would want to be treated themselves: like family.

Call Gina Today gina@h2hinsure.com
Gina Hogan, Principal Agent
Stephen Hachey, Co-owner

"She treats you like family, not just a client."

— Verified Google Review

Gina Hogan

Principal Agent

Stephen Hachey

Co-owner · Attorney · CPA

How It Works

From First Call to Full Coverage

We've made insurance simple. Here's exactly what happens when you reach out.

1

Tell Us About Your Situation

Share details about your home, vehicle, business, or any unique circumstances. The more we understand, the better we can tailor our search.

2

We Shop the Market For You

We go to work comparing quotes across our carefully curated network of A-rated carriers — you don't need to make a single call.

3

Review Your Options Together

We walk you through the quotes side by side, explaining differences clearly and honestly so you can make a fully informed decision.

4

Your Coverage Goes to Work

Once you choose, we handle all the details and confirm everything is in place accurately and on time — especially critical near loan closings.

5

Annual Renewal Review

We don't disappear after the sale. Every year at renewal, we re-shop your policy to ensure you're still getting the best rate and coverage available.

Client Stories

Real People. Real Results.

"Highly recommend H2H Insurance. Gina and her team are professional, reliable, and are honest throughout the entire process. Extremely helpful in finding us the perfect insurance."

KC

Kristy Casillas

Tampa, FL

"Gina is an incredible broker. She really knows her stuff, and takes the time to explain the different quotes before making a recommendation. Her knowledge is head and shoulders above her peers!"

CC

Colleen Caldwell Specht

Tampa, FL

"Gina and H2H ended up saving me nearly $100 per month on my car insurance — and that's with additional coverage. If you want to save money and work with a trustworthy agent, highly recommend Gina."

DK

David Kalteux

Tampa, FL

"Gina helped me save over $400 with better coverage. Great customer service too. I highly recommend H2H — you won't be disappointed."

RZ

Rafael Zuniga

Tampa, FL

"I absolutely love the fact that she speaks to you like a friend and not just business. She relates to you on a consumer level but keeps it very professional. Will definitely recommend!"

SC

Shai Culver

Tampa, FL

"Gina has been my preferred insurance agent for years. I refer my home buyers to her for quotes and she beats everyone out there in price and quality. She knows her stuff. Plus she is a sweetheart!"

CK

Cindi Kinch

Tampa, FL

Got Questions?

Frequently Asked Questions

It means we're not tied to any single insurance company. We shop your coverage across multiple A-rated carriers and recommend the policy that genuinely fits your needs — not the one that benefits us most.

We serve the entire state of Florida. While our office is in the Tampa Bay area, we have the carrier relationships and expertise to help clients from the Panhandle to the Keys.

Yes — every single year. Insurance rates shift and carriers open or close in different areas. We proactively re-shop your policy at renewal so you never have to wonder if a better deal exists.

Absolutely. You can switch your insurance at any time — no need to wait until renewal. We'll help you make the transition smoothly with no gaps in coverage.

Yes. We have established partnerships with lenders and realtors throughout Florida and fully understand the urgency of securing the right policy before a loan closing.

That's exactly where our experience and creativity shine. We're skilled at navigating complex situations and finding carriers who can accommodate cases that others turn away.

Get Started Today

Your Best Policy Is
One Call Away.

Stop paying too much for too little. Let H2H Insurance shop Florida's top carriers for you and find the coverage you actually deserve.

(813) 499-9347 Email Gina

Phone

(813) 499-9347

Email

gina@h2hinsure.com

Location

Tampa Bay, Florida

Get Directions →
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