Katie McGarry – Owner & Independent Agent, KM Assurance
Katie McGarry is the Owner and Independent Property & Casualty Insurance Agent behind KM Assurance, a Florida-based agency dedicated to delivering personalized, comprehensive coverage solutions for individuals, families, and small businesses. With more than a decade of experience in corporate finance and a passion for serving her community, Katie has become a trusted advisor known for advocacy, education, and exceptional service.
Katie began her business career over ten years ago after earning her B.S. in Business–Finance from St. Petersburg College. She spent more than a decade in corporate finance, building a strong foundation in credit, collections, and contract analysis. Her efficiency, leadership, and commitment to continuous improvement earned her top accolades such as the MedSoul Core Values Champion and Process Leader awards. This same operational excellence is now embedded into KM Assurance through streamlined systems, smart technology, and a service-first approach.
A resident of Pinellas County for more than 25 years, Katie’s “why” is rooted in her own insurance story. When she first moved to Florida, she had an exceptional independent agent named Maudeline—someone who always answered the phone, returned calls within 24 hours, educated her on policies, and shopped for the best options. When Maudeline retired, the level of care Katie received disappeared. She was transferred between inattentive agents, placed in a customer service pool with no dedicated support, and even experienced costly errors on her policies. Frustrated and determined to bring back the kind of service she once relied on, Katie became the next Maudeline. She launched KM Assurance with one mission: service done right.
KM Assurance is built on three core values—because every client is a person, not a policy:
Authentic.
Katie is not a salesperson—she is a knowledgeable advisor who understands insurance and contract language. By simplifying complexity, she helps clients feel informed and empowered.
Appeal.
Through active listening and a Keep It Simple (KIS) approach, Katie handles the legwork so clients can enjoy an easy, stress-free insurance experience.
Approach.
Rooted in servant leadership, Katie ensures her clients receive meaningful value through guidance, education, and genuine care.
As an independent agent, Katie shops multiple carriers to secure competitive rates and customized coverage. She specializes in personal lines and small business insurance—areas where Floridians pay nearly double the national average, particularly in homeowners and auto premiums. Her goal is to help clients find the right coverage first, the right price second, all supported by personalized service that makes a real difference.
Katie’s work is relationship-centered. She takes time to understand each client’s immediate needs and long-term goals, offering clarity in a space that is often confusing and overwhelming. Whether she is helping a young family secure affordable health coverage, guiding a small business owner through liability policies, or educating a homeowner about flood and property protection, Katie ensures her clients feel confident, supported, and never alone. Her responsiveness, professionalism, and genuine care are echoed throughout KM Assurance’s growing list of five-star Google reviews.
Client education is one of Katie’s biggest passions. She regularly shares insights on insurance scoring, risk management, policy structure, and savings strategies through social media content, blog articles, and one-on-one renewal calls. Her proactive approach helps clients not only understand their coverage, but strategically improve it over time.
Community involvement is at the heart of who Katie is. She participates in local chamber events, supports nonprofit initiatives, and engages with professional organizations across Pinellas County. Building relationships and helping others achieve their personal and professional goals is both a privilege and an honor—one that fuels her passion for serving her clients and her community.
As a dedicated professional, Katie continually invests in ongoing education, industry updates, and innovative service strategies. This ensures KM Assurance remains a forward-thinking agency capable of adapting to Florida’s fast-changing insurance environment.
Katie McGarry’s dedication to authenticity, expertise, and client advocacy defines the mission of KM Assurance: to protect what matters most—with integrity, knowledge, and care. For clients seeking a true insurance partner, Katie offers a trusted, approachable, and deeply committed experience.
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