Tailored Insurance Solutions, With The Customer Service You Deserve
Affordable coverage for your peace of mind and security.
Affordable coverage for your peace of mind and security.
Real customer service has become a dying breed in today’s insurance industry. Too many agencies have replaced relationships with call centers, automation, and impersonal processes.
We believe it doesn’t have to be that way.
Our agency was built on the idea that insurance should still be personal. That means answering the phone when you call. Taking the time to understand your needs. Explaining coverage in plain language. And being there when it matters most, not passing you off to a 1-800 number.
We’re proud to bring back old-fashioned customer service: honest guidance, dependable support, and genuine relationships. Because protecting what matters most deserves more than a transaction, it deserves a trusted partner.

At Harding Mutual Insurance Agency , we are committed to providing our clients with the best insurance solutions to meet their needs. Our mission is to help you protect your assets, your family and your business.

With our family having over 75 years of experience in the insurance industry, our team of experts has the knowledge and skills to guide you through the insurance process. We have helped tens of thousands of clients find the right coverage at the right price dating back to 1952.

We offer a wide range of insurance products, including auto, home, life, and business insurance. Our goal is to provide you with comprehensive coverage that meets your unique needs and budget.

At Harding Mutual Insurance Agency , we believe in providing exceptional customer service. We are here to answer your questions, help you file a claim, or make changes to your policy. Our goal is to make the insurance process as easy and stress-free as possible.
Insurance isn’t just their profession — it’s a family legacy.
The story began in 1952 on Main Street in Mechanicsburg, Ohio, when First Generation and great-grandfather, Carl Miller Jr, opened his insurance Agency Carl Miller Insurance and built his business the old-fashioned way: through relationships, integrity, and genuine care for his customers and community.
That same spirit carried forward continually four generations later.
In 1979, Carls daughter, Susan Barrett, founded Barrett Harding Insurance in Pasco County, Florida. That same year, her daughter, Jeromy's mother, Lori Harding, joined the agency. Together, they built a trusted local agency rooted in personal service and community values.
Jeromy joined the family business in 2009, and over the next decade the family grew the agency into one of the largest insurance agencies in the area. In 2021, Jeromy and Lori made the difficult decision to sell the agency to a national brand due in part to Lori's eyesight failing and wanting to be able to enjoy retirement.
While Jeromy and Lori honored there non-compete period, they couldn’t shake the feeling that something important was missing from today’s insurance world.
Too many companies had shifted to overseas call centers. Too much automation. Too little personal connection.
That’s when Harding Mutual Insurance was born.
In 2026, Jeromy launched Harding Mutual with one simple belief: every decision should be mutually beneficial, for our clients, our carriers, and our community. That’s where the name comes from, and it’s how we operate every day.
At Harding Mutual, we bring insurance back to what it’s supposed to be:
real people, real conversations, honest advice, and old-fashioned customer service, with a smile and a handshake.
No endless phone menus.
No bouncing between departments.
Just experienced local professionals who know your name, understand your needs, and stand beside you when it matters most.
Four generations. Over 75 years of in our family. One clear mission:
Protect what matters most, and treat every client like family, Welcome to our family!
Fill out the form with any questions you have about finding the coverage that's right for you!
5922 Main St, New Port Richey, FL, USA
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