The top-rated disability insurance agent in Melbourne, Florida is Erb and Young Insurance, rated 4.9 stars across 1,037 reviews. Other highly rated options include Williams & Stazzone Insurance Agency, Inc., Better Insurance Group, Space Coast Insurance Agency, LLC. This directory lists 27 disability insurance agents serving Melbourne.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Erb and Young Insurance | 6550 N Wickham Rd STE 9 | (321) 254-0095 |
| 2 | Williams & Stazzone Insurance Agency, Inc. | 6549 N Wickham Rd STE 101 | (800) 868-1235 |
| 3 | Better Insurance Group | 1580 N Harbor City Blvd | (321) 724-2100 |
| 4 | Space Coast Insurance Agency, LLC | 6450 Anderson Way | (321) 799-2929 |
| 5 | Anthony Insurance Agency | 7331 Office Park Place STE 500 | (321) 242-3181 |
| 6 | The Insurance Center of Central Florida, Inc. | 3760 Eau Gallie Blvd #104 | (321) 255-0986 |
| 7 | Michael McGarrigle Inc | 478 Babcock St Suite 102 | (321) 757-9770 |
| 8 | GreatFlorida Insurance: Sara LaManna | 1571 Aurora Rd | (321) 241-4881 |
| 9 | OneGroup | 3965 W Eau Gallie Blvd | (321) 253-9000 |
| 10 | 1 Source Insurance Agency Inc. | 1701 S Harbor City Blvd | (321) 722-3888 |
Erb and Young Insurance serves the Melbourne, Florida, metro area as a disability insurance agent. The company helps local residents select and apply for disability income protection policies that replace a portion of lost earnings during illness or injury. Understanding the specific needs of workers in Brevard County, the agent guides clients through plan options related to waiting periods, benefit amounts, and coverage terms. These services include short-term disability insurance for temporary setbacks and long-term disability insurance for extended periods of inability to work.
Williams & Stazzone Insurance Agency, Inc. provides a full range of disability insurance solutions for individual and business clients in Melbourne. The agency assists with income protection plans designed to replace earnings if illness or injury prevents work. Its service includes policy reviews, claims support, and coverage maintenance for existing plans. The firm helps professionals safeguard their earning potential across various property types, including single-family homes, apartments, retail locations, and restaurants.
Better Insurance Group serves homeowners, renters, and small business owners in Melbourne, Florida, by helping them secure disability income protection that replaces lost wages if illness or injury prevents them from working. Its agents guide clients in understanding policy terms, benefit periods, and elimination periods so they can customize coverage to their individual financial needs. The company also provides its expertise to residents in the Palm Bay area of the greater Melbourne metro.
Space Coast Insurance Agency, LLC serves Melbourne and the surrounding communities on Florida’s Space Coast, handling disability insurance policies designed to protect local workers’ incomes. The agency helps individuals and businesses find coverage that can replace a portion of earnings if illness or injury prevents them from working. It typically begins by assessing a client’s occupation, income level, and existing benefits to recommend appropriate policy options from different carriers. This approach aims to match each client with a plan tailored to their specific financial situation and risk exposure.
When clients require ongoing income protection, Anthony Insurance Agency offers scheduled reviews to adjust disability coverage as circumstances change; for those needing a single policy placement, a one-time consultation suffices. Coverage types typically include short-term and long-term disability plans tailored to replace a portion of earnings during illness or injury. Located in Melbourne, FL this agency serves local professionals and self-employed individuals. Services run on a scheduled or as-needed basis, depending on the client’s preference for periodic updates versus single-event advice.
The Insurance Center of Central Florida, Inc. specializes in helping individuals and businesses secure disability income protection in Melbourne, Florida. It provides general insurance services, focusing on policies that replace lost wages during illness or injury. The agency guides clients in selecting coverage for short-term or long-term needs. In early flu season or during the peak of hurricane recovery, it helps locals plan financially for unexpected time away from work.
Michael McGarrigle Inc advises individuals and businesses in Melbourne, Florida on income protection needs. As disability insurance agents, they focus specifically on policies that replace earnings if illness or injury prevents work. The company helps clients navigate plan options to secure essential coverage. Their services extend to various commercial environments, including professional offices, busy warehouses, and local food service operations.
With the start of a new job or a growing family in Melbourne, securing income protection becomes a priority for many residents. GreatFlorida Insurance: Sara LaManna helps local professionals and self-employed individuals navigate disability insurance options that cover lost wages during illness or injury. They explain how different policies maintain financial stability when a medical issue prevents regular work. Their focus remains on matching coverage to lifestyle needs and patient financial goals. Every client engagement begins with an assessment of current employment benefits and potential gaps.
OneGroup provides disability insurance agent services to residents and businesses in the Melbourne, Florida area. For individuals, the agency helps secure income protection plans tailored to personal needs. Commercial clients can obtain coverage to safeguard their operations against key-person or overhead risks. The firm serves clients throughout Brevard County and the broader Space Coast region. After establishing an initial policy, agents coordinate follow-up support and coverage adjustments between regular appointment intervals to ensure ongoing alignment with changing circumstances.
1 Source Insurance Agency Inc. in Melbourne, FL is known for guiding clients through disability insurance options to protect income during illness or injury. The firm assesses individual needs for short-term and long-term coverage plans. It serves local professionals, small business owners, and self-employed individuals seeking financial security. A specialty service the agency can add on is consultation for policy riders that provide partial disability benefits.
What Does a a Disability Insurance Agent in Melbourne Cost?
Disability insurance premiums in Florida typically range from 1% to 3% of your annual income. For a 40 year old earning 60000 per year a policy might cost 600 to 1800 annually. Costs vary based on age health occupation and benefit terms. This is general information not insurance advice.
About disability insurance agents in Melbourne
Disability insurance agents in Melbourne Florida help individuals and businesses find coverage that protects income if injury or illness prevents work. Florida law does not require private disability insurance but agents can guide you through policy options and state-specific regulations. Working with a local agent ensures you understand Florida's 90-day elimination period rules and other state nuances.
Frequently Asked Questions
What does a disability insurance agent in Melbourne do?
A disability insurance agent helps you compare policies from different carriers and explains coverage terms like benefit periods and elimination periods. They also assist with filing claims and understanding Florida's insurance regulations.
How long do I have to file a disability claim in Florida?
Florida does not have a single statute of limitations for all disability claims. Most private policies require you to submit proof of loss within 90 days after the elimination period ends. Check your specific policy for exact deadlines.
Can a disability insurance agent help with an existing claim denial?
Yes an agent can review your policy and help you gather documents to appeal a denial. However for legal disputes you may need a lawyer who specializes in Florida insurance bad faith law under Florida Statute 624.155.
Disability Insurance Agents in Other Florida Cities
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