About Us

The Horn family has been synonymous with insurance in Southwest Florida for over 40 years. Mike, Sr. and his wife, Ilene, relocated from Indiana to Naples in 1978. Together, they served this community for three decades through their State Farm agency.

Led by the next generation under Mike, Jr., Horn Family Insurance—an independent agency—opened its doors in 2009 with the goal of protecting clients’ real assets and limiting liability exposure. As a member of the State Insurance Group, we boast appointments from over twenty (20) A-rated domestic carriers and have access to numerous Excess & Surplus lines (E&S) carriers. Collectively, this gives rise to a comprehensive yet economical insurance program for our clientele.

Coupling our extensive knowledge of this community and with insurance expertise, we are uniquely positioned to fulfill the insurance needs of Southwest Florida.

An Independent Advantage

We are Independent Agents in Naples, Florida, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Horn Family Insurance represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn't purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn't have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family's financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn't have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it's up to you to make the final choice.