Living in Palm Harbor means enjoying Florida's beautiful weather year around. As the season changes, it's a great opportunity to review your insurance coverage and make sure you are prepared for whatever comes next. Whether you are protecting your home, vehicle or loved ones, our team is here to help you explore options and better understand your coverage.

Welcome to the Lizette Cochran State Farm Agent office in Palm Harbor, Florida! With over 35 years of experience with State Farm, I am proud to offer my knowledge and guidance to the Palm Harbor community, where I have lived for over 20 years. Established in 1989, our office is conveniently located to provide excellent service to Palm Harbor and its surrounding areas, including Tarpon Springs, Oldsmar, Dunedin, Clearwater, Tampa, Trinity, and the surrounding communities. We are ready to assist you with relocations to Florida, as well.

We offer a range of insurance products, including Auto, Home, Renters, Life, Motorcycle, Business, Pet, and Condo Insurance, to help you protect what you care about most. In addition, we offer Recreational Vehicle and Boat Insurance for your summer road trip or weekend getaway. As a State Farm agent, I am committed to building strong relationships and helping our customers with their insurance decisions. Our team also speaks both English and Spanish, allowing us to better serve our diverse community. Give us a call today to discuss your insurance needs!

Outside of work, I enjoy an active lifestyle with hobbies such as pickleball, and biking. I love getting outdoors for walks and enjoying our beautiful sunsets. I am married and have two children, one of whom is a veterinarian and the other who is in medical school. I am also actively involved in local organizations such as the YMCA and Red Cross, reflecting my commitment to community service. I graduated with a BBA from the University of Florida.

Frequently Asked Questions (FAQ)

Q: What's an effective way to get car insurance quotes?

A: You can get car insurance quotes online, by phone, or with your local agent by sharing details about your vehicle, driving history, and coverage needs. Have questions? Lizette and her team can walk you thru your options.

Q: How fast can I get car insurance?

A: Car insurance coverage can often start the same day, depending on your situation. Lizette and her team work with Florida residents to find coverage that fits.

Q: What kind of insurance do I need for a leased vehicle?

A: Leased vehicles typically require more coverage than the state minimums. In addition to liability insurance, leasing companies usually require comprehensive and collision coverage, and you may need to list the leasing company on your policy as an additional insured or loss payee. Connect with Lizette and her team for insurance guidance in Palm Harbor and surrounding towns.

Q: What happens when you have life insurance in place?

A: Life insurance provides a payout to your beneficiaries if you pass away while the policy is active, helping offer financial protection. In Palm Harbor, you can count on Lizette and her team for personalized service.

Q: What protections does home insurance usually provide?

A: Homeowners insurance can help protect your home, your personal belongings, and your finances. It typically includes coverage for the structure of your home, your belongings, liability protection, and additional living expenses if your home becomes uninhabitable due to a covered loss. For personalized coverage in Palm Harbor and surrounding towns reach out to Lizette and her team.

Q: What is renters insurance?

A: Renters insurance is coverage that helps protect your personal belongings and provides personal liability protection while renting a home or apartment. Lizette and her team are here to help your Florida household feel covered.