The top-rated home insurance agent in Melbourne, Florida is Erb and Young Insurance, rated 4.9 stars across 1,037 reviews. Other highly rated options include Brian West - State Farm Insurance Agent, Better Insurance Group, Kim Osman Insurance Group, Inc.. This directory lists 24 home insurance agents serving Melbourne.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Erb and Young Insurance | 6550 N Wickham Rd STE 9 | (321) 254-0095 |
| 2 | Brian West - State Farm Insurance Agent | 2320 Dairy Rd #102 | (321) 872-0123 |
| 3 | Better Insurance Group | 1580 N Harbor City Blvd | (321) 724-2100 |
| 4 | Kim Osman Insurance Group, Inc. | 474 N Harbor City Blvd | (321) 242-2311 |
| 5 | Space Coast Insurance Agency, LLC | 6450 Anderson Way | (321) 799-2929 |
| 6 | Anthony Insurance Agency | 7331 Office Park Place STE 500 | (321) 242-3181 |
| 7 | Kasey Osman: Allstate Insurance | 930 S Harbor City Blvd Ste 202 | (321) 725-8022 |
| 8 | Acceptance Insurance | 635 S Wickham Rd #104 | (321) 337-7584 |
| 9 | GreatFlorida Insurance: Cheryl Miller | 1678 W Hibiscus Blvd #103 | (321) 253-8531 |
| 10 | The Insurance Center of Central Florida, Inc. | 3760 Eau Gallie Blvd #104 | (321) 255-0986 |
Erb and Young Insurance serves homeowners in the Melbourne, Florida area, offering policies that protect residential property against common coastal risks and weather-related damage. The agency also assists with personal liability coverage and dwelling insurance tailored to local home values. Services include policy reviews, coverage explanations, and claims support. Residents can learn about options for bundling home and other personal lines to simplify payments. The company additionally provides its home insurance services to clients in the neighboring community of Palm Bay.
Brian West - State Farm Insurance Agent serves the Melbourne, Florida area and the surrounding Brevard County region. The agency provides home insurance policies designed to protect single-family homes and condominiums. Agents assist clients with structuring coverage that addresses common local concerns such as windstorm damage and flood exposure. Individual policies are tailored to reflect a property’s specific replacement cost and personal liability needs. The office regularly handles policy reviews for existing homeowners and helps new buyers secure required coverage at the time of purchase.
Better Insurance Group provides a range of home insurance policies designed to protect properties in the Melbourne, FL area. The agency works with clients to explain coverage options for dwelling, personal property, and liability. It helps homeowners understand the importance of protecting assets against regional weather risks, including wind and flood damage. Policy maintenance and annual reviews are offered to ensure coverage keeps pace with property values. The company services single-family homes, apartments, retail establishments, and restaurants.
Kim Osman Insurance Group, Inc. serves homeowners, businesses, and property managers in the Melbourne, Florida area with comprehensive home insurance policies tailored to individual property needs. The agency assists clients in navigating coverage options for dwelling protection, personal liability, and additional structures. It helps residents and commercial property owners compare policies to find suitable protection for their investments. Its service area also extends to the surrounding communities of Palm Bay and the greater Brevard County metro region.
Serving Melbourne and the surrounding communities on Florida's Space Coast, Space Coast Insurance Agency, LLC handles home insurance coverage for local homeowners. The company assists clients in finding appropriate policies that address risks common to the region, including hurricane and flood protection. To complete a typical job, the agency begins by assessing the specific needs and property details of each client before presenting policy options tailored to their situation.
Offering specialized home insurance policies tailored to individual property needs, the Anthony Insurance Agency in Melbourne, FL assists residents with comprehensive coverage options. The agency works closely with clients to evaluate their specific risks and select appropriate protection for their homes. It regularly reviews policies to ensure they remain aligned with changes in the local housing market and personal circumstances. The agency helps homeowners address concerns related to seasonal storm threats, such as wind damage from hurricanes common along Florida’s Atlantic coast.
Kasey Osman: Allstate Insurance provides homeowners in Melbourne, FL, with options for both one-time policy setups and ongoing, long-term coverage management. Their services focus on protecting single-family homes from common regional risks such as windstorms and fire. A detailed consultation helps determine the appropriate level of dwelling and liability protection. Policyholders can choose between annual renewal reviews or more frequent check-ins on their coverage. Claims assistance is available whenever the policy is activated. Service runs on a scheduled basis upon policy renewal or as needed after a loss event.
Acceptance Insurance serves Melbourne, Florida, and the surrounding Brevard County communities, handling a range of homeowners insurance policies. It assists local property owners with coverage for single-family homes, condominiums, and rental properties against common regional risks such as storm damage and liability. For a typical job, an agent reviews the specific property features and the homeowner’s needs to find a suitable policy from its available carriers. The company then explains the coverage options and exclusions clearly before binding a new policy or adjusting an existing one.
With the active hurricane season and summer storms common in Melbourne, GreatFlorida Insurance: Cheryl Miller helps local homeowners secure coverage that addresses wind, flood, and other regional risks. As a dedicated home insurance agent, the company guides clients through policy options tailored to their property needs and budget. This service includes explaining common exclusions and deductibles specific to the area. The initial step is scheduling a property inspection to assess the home’s condition, age, and any previous claims, allowing for accurate premium quotes and appropriate risk placement.
The Insurance Center of Central Florida, Inc. in Melbourne assists homeowners in protecting their properties through comprehensive coverage selection. The agency can help clients add specialty endorsements for valuable personal items or specific water damage exclusions. Working with local providers, their team guides policyholders in aligning deductibles and liability limits with individual needs. For business property, the agency can structure policies for commercial sectors such as offices, warehouses, and food service operations.
What Does a a Home Insurance Agent in Melbourne Cost?
Average home insurance cost in Florida is around $1,980 per year but Melbourne rates vary by property value and risk factors. A typical policy for a $250,000 home may cost between $1,500 and $3,000 annually. Costs depend on roof age location and claims history. This is general information not insurance advice.
About home insurance agents in Melbourne
A home insurance agent in Melbourne Florida can help you find a policy that meets state requirements and protects your property. Florida law requires insurers to offer windstorm coverage and you may need separate flood insurance. An agent can explain coverage options for hurricane damage sinkholes and liability.
Frequently Asked Questions
What does a home insurance agent in Melbourne do?
A home insurance agent helps you compare policies from different insurers. They explain coverage limits deductibles and Florida specific requirements like wind mitigation credits. They also assist with claims and policy changes.
Do I need flood insurance in Melbourne Florida?
Flood insurance is not required by Florida law but is often required by mortgage lenders. Melbourne is near the coast so flood risk is higher. Standard home policies do not cover flood damage.
How can I lower my home insurance cost in Florida?
You can lower costs by installing wind resistant windows and roof straps. A wind mitigation inspection may qualify you for discounts. Raising your deductible also reduces premium but increases out of pocket cost.
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