The top-rated condo insurance agent in New Smyrna Beach, Florida is Berlin & Denys Insurance, rated 5.0 stars across 365 reviews. Other highly rated options include Buddy Davenport - State Farm Insurance Agent, Coastal Claims Services, LLC, Stan Harrison - State Farm Insurance Agent. This directory lists 14 condo insurance agents serving New Smyrna Beach.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Berlin & Denys Insurance | 110 S Orange St | (386) 427-4510 |
| 2 | Buddy Davenport - State Farm Insurance Agent | 1305 State Rd 44 | (386) 426-2886 |
| 3 | Coastal Claims Services, LLC | 2650 N Dixie Fwy | (386) 314-0074 |
| 4 | Stan Harrison - State Farm Insurance Agent | 402 Canal St | (386) 427-5277 |
| 5 | Tonya Tichnell - State Farm Insurance Agent | 155 Colony Park Rd | (386) 428-0979 |
| 6 | Melanie Emanuel: Allstate Insurance | 530 Canal St | (386) 427-0500 |
| 7 | Smith & Associates Insurance-New Smyrna Beach | 508 Canal St | (386) 409-8004 |
| 8 | Mark Daniel Sr: Allstate Insurance | 2236 FL-44 | (386) 426-6000 |
| 9 | Allstate Insurance Agent: Norm Daniel Co. | 2236 FL-44 | (386) 426-6000 |
| 10 | WFG Insurance | 100 Faulkner St | (386) 295-4252 |
Berlin & Denys Insurance provides comprehensive condo insurance services for property owners in New Smyrna Beach, Florida. It offers personalized policy consultations to help clients understand their coverage needs and navigate local regulations. The company also assists with filing claims and adjusting policies when property values or risk factors change. Service plans include regular policy reviews to ensure adequate protection against coastal weather hazards. It serves single-family homes, apartments, retail businesses, and restaurants.
Buddy Davenport - State Farm Insurance Agent serves the New Smyrna Beach, Florida area as a local condo insurance agent. This agency helps homeowners and condo owners with policies that protect their personal property, dwelling units, and individual liability exposure. Condo insurance typically covers interior structures that are not part of the master building policy. The agency handles adjusting coverage limits for personal belongings and loss assessment coverage for shared association areas.
Coastal Claims Services, LLC in New Smyrna Beach, FL serves local condominium unit owners, homeowner associations, and property managers seeking professional condo insurance services in the area. The company offers assistance with evaluating coverage options for common condo risks like storm damage and liability protection so clients meet their HOA’s insurance requirements. It also extends its services to neighboring Port Orange and other nearby communities along the central Florida coast.
Stan Harrison - State Farm Insurance Agent serves New Smyrna Beach, Florida, and the surrounding communities. The agency handles a range of residential condo insurance needs, including coverage for individual units, personal property, and liability protection. Each policy is developed with a focus on understanding the specific risks associated with coastal condominium living. For a typical job, the agent reviews the client's current HOA master policy and personal circumstances.
Tonya Tichnell - State Farm Insurance Agent, located in New Smyrna Beach, FL, offers condo insurance solutions structured as either a single-payment, one-time policy or as a recurring service with annual renewals. Coverage is tailored to protect individual unit interiors, personal liability, and loss of use in case of damage from fire, theft, or water issues. Service arrangements are available on either a one-time basis for a single policy purchase or as an ongoing, as-needed service to adjust coverage following renovations or claims.
Melanie Emanuel: Allstate Insurance provides specialized condo insurance guidance, helping owners secure appropriate coverage for shared structures and individual units. The agency also offers general insurance services, addressing common needs like personal liability and interior property protection for New Smyrna Beach residents. With its coastal location, the agency assists clients in navigating insurance concerns related to seasonal storms and hurricane readiness.
Coastal storms and humidity frequently test condo roofs and exterior walls in New Smyrna Beach, prompting owners to review their coverage. Smith & Associates Insurance-New Smyrna Beach concentrates on condo insurance policies that match each unit’s specific exposure to wind and water damage. Agents assess building association master policies to eliminate coverage gaps or overlaps for the individual owner. A complete risk evaluation is performed inside the unit and at the shared property line to confirm adequate protection before a policy is finalized.
Mark Daniel Sr: Allstate Insurance provides property coverage for condominium owners in New Smyrna Beach. The agency specializes in protecting unit interiors, personal belongings, and liability risks that standard homeowners policies may not address. Their policies also extend to additional structures and loss-of-use scenarios. The company serves residential condominium owners as well as commercial clients, including offices, warehouses, and food service establishments.
Allstate Insurance Agent: Norm Daniel Co. in New Smyrna Beach, FL is known for providing coverage tailored to condo owners. It offers policies that protect individual units and personal belongings against common local risks. The agency helps clients navigate the specific insurance requirements of condo associations and HO-6 policies. Its service range includes liability protection and loss assessment coverage for shared building areas. A specialty service it can add on is flood insurance for units in coastal zones.
WFG Insurance in New Smyrna Beach provides residential condo insurance for individual unit owners, covering their personal property and interior improvements against common local hazards. The agency also handles commercial coverage for condominium associations and rental properties in the area, serving Volusia County and the surrounding coastal communities. Clients can expect thorough explanations of policy options available for hurricanes and flood risks common to this region. Follow-up is offered between regular visits to adjust coverage as needs change.
What Does a a Condo Insurance Agent in New Smyrna Beach Cost?
Condo insurance in Florida typically costs between 300 and 800 dollars per year for a standard HO6 policy. Factors such as the units age location near the coast and the amount of personal property coverage affect the premium. Windstorm coverage may add 100 to 400 dollars annually. Flood insurance through the NFIP averages around 700 dollars per year but can be higher in high risk zones. This is general information and not insurance advice.
About condo insurance agents in New Smyrna Beach
Condo insurance agents in New Smyrna Beach Florida help owners secure HO6 policies that cover interior walls floors and personal property. Florida law requires condo associations to carry a master policy but individual owners must insure their own unit improvements and liability. Local agents understand the unique risks of coastal properties including wind and flood exposure.
Frequently Asked Questions
What does a condo insurance agent do in New Smyrna Beach?
A condo insurance agent helps you find an HO6 policy that covers your personal property interior walls and liability. They also explain how your policy coordinates with the condo associations master policy. Agents in New Smyrna Beach often advise on windstorm and flood coverage required by Florida building codes.
Is flood insurance required for condos in New Smyrna Beach Florida?
Flood insurance is not legally required by Florida state law for condo owners. However if your condo is in a FEMA designated flood zone your mortgage lender will likely require it. Many agents recommend flood coverage because New Smyrna Beach is a coastal area prone to storm surge and heavy rain.
How do Florida condo insurance laws affect my policy?
Florida Statute 718.111 requires condo associations to maintain property insurance on the buildings common areas and original structures. Individual owners are responsible for insuring their own unit improvements betterments and personal property. Your agent can help you understand what your association policy covers so you do not buy duplicate coverage.
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