KM Assurance: St. Petersburg, FL Insurance Agent Spotlight

Last updated May 30, 2026

KM Assurance: Personalized Insurance Solutions in St. Petersburg, FL

Finding an insurance agent who actually explains what you're buying, doesn't push you toward the most expensive option, and saves you money in the process is rarer than it should be. KM Assurance, based in St. Petersburg, FL, has built a reputation on exactly that kind of straightforward, one-on-one service. The agency is owned and operated by Katie McGarry, a Floridian with more than 30 years of roots in the Tampa Bay area and a hands-on approach that clients consistently describe as refreshingly clear.

KM Assurance holds a 5.0 rating across 24 reviews, a number that reflects a client experience built on genuine guidance rather than sales pressure. Whether someone is shopping for a new policy, dealing with a coverage gap, or just trying to make sense of what their current plan actually covers, Katie handles each case personally. No hand-offs, no call centers.

The agency serves clients across Florida and has expanded its reach into Georgia and Tennessee, making it a regional resource for people navigating the often complicated landscape of personal and property insurance in the Southeast.

History and Founding of KM Assurance

KM Assurance was founded by Katie McGarry, who has spent more than three decades living in the Tampa Bay region. Her background spans over a decade in finance and contract management, a foundation that shapes how she approaches insurance: with close attention to the details in policy language and a clear-eyed view of what clients are actually agreeing to when they sign.

The agency grew out of a straightforward premise: people in Florida need an insurance advocate who understands the specific risks of living here. Hurricanes, flooding, and rising premiums are not abstract concerns for Tampa Bay residents; they're annual realities. Katie built KM Assurance to address those realities with honest, practical counsel rather than off-the-shelf solutions.

Over time, the agency's reach extended beyond Florida's borders. KM Assurance now serves clients in Georgia and Tennessee as well, a sign of steady growth driven largely by referrals and repeat clients.

KM Assurance Services and Specialties in St. Petersburg, FL

KM Assurance operates as an independent insurance agency, which means Katie can shop multiple carriers on a client's behalf rather than being locked into a single company's offerings. That independence is one of the clearest practical advantages the agency offers over captive agents.

Services available through KM Assurance include:

• Personal insurance policy review and comparison
• Home and property insurance
• Auto insurance
• Coverage consultations for clients with policy lapses or complicated histories
• Insurance solutions for clients in Florida, Georgia, and Tennessee
• Certified notary signing agent services (insured and bonded)

The notary signing agent credential is a distinct offering that separates KM Assurance from a typical insurance-only shop. As a certified, insured, and bonded notary signing agent, Katie can assist clients with document execution in addition to policy work, which is a practical convenience for anyone navigating real estate closings or loan paperwork alongside insurance decisions.

One of the more concrete illustrations of what the agency delivers: a client named Monica came in and walked out with $1,700 in annual savings while also ending up with better coverage than she had before. That's not a marketing claim; that's a specific outcome from a real client interaction, and it captures what the one-on-one model is designed to produce.

Team and Leadership at KM Assurance

KM Assurance is a boutique agency, and its structure reflects that. Katie McGarry is the owner, the primary agent, and the person clients work with directly from the first conversation through policy placement and beyond.

• Katie McGarry, Owner and Agent: More than 30 years in the Tampa Bay area; over a decade of experience in finance and contract management; certified notary signing agent (insured and bonded); member of the NAIFA Advocacy Board.

Katie's involvement with the National Association of Insurance and Financial Advisors (NAIFA) Advocacy Board reflects a professional commitment that extends beyond her own client base. Sitting on an advocacy board means working on industry-level standards and ethics, not just individual transactions. For clients, it signals that their agent is engaged with the broader professional community and invested in how the insurance industry conducts itself.

Milestones and Track Record

• Over a decade of experience in finance and contract management underpins the agency's approach to policy analysis.
• KM Assurance has expanded beyond Florida to serve clients in Georgia and Tennessee.
• Katie McGarry was approved to sit on the NAIFA Advocacy Board, a recognition of her standing within the professional insurance community.
• The agency maintains a 5.0 rating across 24 client reviews.

What Customers Say About KM Assurance

The reviews for KM Assurance return to a few specific themes: tangible savings, clear communication, and the sense that Katie is actually working for the client rather than steering them toward a particular outcome. Three reviewers put it in their own words.

Katie is the agent extraordinaire! She saved me $1700 on my policy and increased my coverages as well!

- Monica

She's incredibly kind, down-to-earth, and clear in her communication, no runaround, no overwhelm, just straightforward guidance.

- Ethan Keen

KM Assurance helped me find the right insurance policy, even though I had a 'lapse.' Thank you so much for your persistence and quality customer care.

- Marianna D.

Marianna's comment deserves a closer look. Policy lapses are a real obstacle in the insurance market; many agents won't invest the time required to work around them. The fact that Katie stayed persistent through that process is a practical differentiator, not just a personality trait. Ethan's description of 'no runaround, no overwhelm' speaks to something clients in a complicated insurance market genuinely value: an agent who translates the jargon and keeps the process moving without creating more anxiety than it resolves. And Monica's $1,700 in savings with better coverage is the kind of result that turns a one-time client into a long-term referral source.

Multiple clients across the 24 reviews also note that they plan to return to Katie for additional policy quotes, which reflects confidence in the process as much as the outcome.

Location and Community: KM Assurance in St. Petersburg, FL

KM Assurance serves the St. Petersburg, FL area, a region where insurance is not a background concern but a front-of-mind financial reality. The Tampa Bay area sits in a hurricane zone, carries significant flood risk, and has seen property insurance costs climb sharply in recent years as carriers have pulled back from the Florida market. For residents here, having an agent who understands the local risk environment and can navigate the available carrier options is genuinely useful.

Katie has lived in the Tampa Bay region for more than 30 years, which means she's not learning the local insurance landscape from a brochure. She's watched it shift through multiple storm cycles and market corrections. That kind of local continuity matters when a client needs advice grounded in actual regional context rather than generic national guidelines.

Beyond Florida, KM Assurance has extended its service area to Georgia and Tennessee, responding to demand from clients who've relocated or who have coverage needs in multiple states. The agency can be reached through its website at kmassurance.com.

Why Choose KM Assurance in St. Petersburg, FL

KM Assurance offers something that's genuinely hard to find in the insurance market: a single, knowledgeable agent who handles your policy personally from start to finish, without passing you off to a support team or defaulting to the easiest available option. Katie McGarry's background in finance and contract management means she reads policy language carefully, and her independence as an agent means she's shopping the market on your behalf rather than filling a quota for a single carrier.

For St. Petersburg, FL residents dealing with the real costs and real risks of insuring property in a hurricane-prone state, that combination of local knowledge, professional rigor, and direct service is a practical advantage. The 5.0 rating across 24 reviews and specific outcomes like Monica's $1,700 in savings suggest the approach is working.

Customer quotes shown above are from public Google reviews.