A hometown agency that treats you like family.
We are proud to call Sebring home. As an independent agency, we work for you — not the insurance companies. That means honest advice, patient explanations, and a real person who answers the phone when you have a question.
Neighbors first. Insurance second.
Hutch Insurance helps Florida families understand their options and choose with confidence — clearly, patiently, and at no cost.
Local since 2004
We have been helping friends and neighbors across Highlands County for over two decades. When you call, a real person answers — someone who knows Sebring, Avon Park, and Lake Placid because we live here too.
Independent agency
We work for you — not the insurance companies. As an independent agency, we shop the nation’s top-rated carriers and compare every plan available in your area so you always get an unbiased recommendation.
No-cost guidance
Our help never costs you a dollar. Whether you are turning 65, between jobs, or planning your legacy, you get honest advice, patient explanations, and zero pressure — ever.
Chris Hutchins
A real person who knows your name.
Chris Hutchins founded Hutch Insurance to give Highlands County families something the big call centers never could: a neighbor who sits down with you, compares every plan available in your area, and explains the fine print in plain English.
Licensed & independent. We represent the nation's top-rated carriers so you always get an unbiased recommendation.
Coverage for every stage of life
Whether you are turning 65, raising a family, or planning your retirement, we help you compare real options and choose with confidence.
Medicare Insurance
Medicare Advantage (Part C), Medicare Supplement (Medigap), and Part D prescription drug plans — compared side by side so your doctors and medications stay covered.
Learn moreUnder 65 Insurance & ACA Marketplace
Affordable ACA Marketplace (Obamacare) health insurance, short-term and major medical coverage, plus dental, vision, and hospital indemnity for individuals and families.
Learn moreLife Insurance & Annuities
Term and whole life insurance, final expense coverage, and fixed or indexed annuities that turn savings into retirement income you cannot outlive.
Learn moreLet's find your coverage — together.
Reach out for a friendly, no-cost conversation. We will answer your questions and help you compare your options — no pressure, ever.