The top-rated home insurance agent in Merritt Island, Florida is A-AARROW Insurance, rated 4.9 stars across 539 reviews. Other highly rated options include Sara Houston - State Farm Insurance Agent, Turner Florida Insurance, Acceptance Insurance. This directory lists 14 home insurance agents serving Merritt Island.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | A-AARROW Insurance | 105 N Courtenay Pkwy | (321) 459-2434 |
| 2 | Sara Houston - State Farm Insurance Agent | 2255 N Courtenay Pkwy #3 | (321) 252-4800 |
| 3 | Turner Florida Insurance | 232 S Courtenay Pkwy | (321) 252-1720 |
| 4 | Acceptance Insurance | 235 Crockett Blvd | (321) 337-7585 |
| 5 | Jim Holder - State Farm Insurance Agent | 125 E Merritt Island Cswy Ste 102 | (321) 452-8000 |
| 6 | Direct Auto Insurance | 1450 N Courtenay Pkwy Unit 1 | (321) 455-6611 |
| 7 | First Florida Insurance of Merritt Island | 2460 N Courtenay Pkwy #115 | (321) 205-1741 |
| 8 | Rutledge Insurance Group | 2235 N Courtenay Pkwy F | (321) 441-4805 |
| 9 | Brevard Coastal Insurance | 125 E Merritt Island Cswy Suite 105 | (321) 452-8888 |
| 10 | Mr Auto Insurance | 325 E Merritt Island Cswy STE G | (321) 452-5022 |
A-AARROW Insurance serves homeowners in Brevard County from its Merritt Island location, providing standard policies and local risk guidance. The agency helps clients navigate the specific weather-related protection needs of Florida's coastal properties, ensuring adequate coverage for typical regional hazards. Customers can discuss coverage options for their homes and bundled personal property protection. The office manages policy adjustments for seasonal residents and assists with comprehensive dwelling and liability coverages for properties throughout the Space Coast area.
Sara Houston - State Farm Insurance Agent in Merritt Island, Florida, provides both one-time consultations for policy comparisons and recurring services through policy renewals, adjustments, and claims support. Their home insurance coverage addresses risks common to the area, including windstorms, storm surge, and fire damage, typically structured as a bundled package with personal property and liability protection. These services are available on an as-needed basis for policy inquiries and changes, with scheduled annual reviews to regularly update coverage limits and deductibles.
Turner Florida Insurance provides home insurance coverage tailored to protect residential properties in Merritt Island and the surrounding area. Its work includes assessing individual policy needs, explaining coverage options for dwelling and personal property, and processing claims efficiently. The company assists clients with standard policies as well as adjustments for local risks. It specifically helps homeowners review their protection ahead of the Atlantic hurricane season, ensuring adequate coverage for windstorm and flood damage common to central Florida.
Hurricane season along Florida's Space Coast brings the need for reliable property protection. Acceptance Insurance, serving Merritt Island, helps homeowners assess their current coverage against wind and flood damage. Their agents provide straightforward guidance on policy options that align with local building requirements and coastal risks. Before committing to a plan, the company performs a detailed walk-through of the home's exterior and interior. This initial inspection identifies key vulnerabilities and allows for a personalized coverage recommendation based on the property’s actual condition.
Jim Holder - State Farm Insurance Agent in Merritt Island, FL, provides a range of options for homeowners seeking financial protection. Their services include customizing policies to cover dwelling structures, personal belongings, and liability. Standard maintenance plans are available to help update coverage as a property ages or as renovations occur. The agency assists with risk assessments and claim filing support for local clients. It serves single-family homes, apartments, retail stores, and restaurants throughout the surrounding area.
As a home insurance agent in Merritt Island, Florida, Direct Auto Insurance helps clients secure coverage for their residential properties against common perils like fire, theft, and storm damage. The agency can also arrange specialty add-ons such as flood insurance or personal liability protection for homeowners seeking broader security. Available to serve commercial sectors, its policies can apply to offices, warehouses, and food service establishments requiring customized property protection.
First Florida Insurance of Merritt Island serves local homeowners, businesses, and property managers in need of residential property coverage. As a home insurance agency, it helps clients secure policies that protect against storm damage, fire, and liability. The agency understands the specific risks of living in a coastal region, such as hurricane exposure and flooding concerns. It also provides coverage for condominiums and rental properties. In addition to serving Merritt Island itself, the company assists clients with insurance needs in the neighboring community of Cocoa Beach along the Space Coast.
Serving Merritt Island and the surrounding communities of Brevard County, Rutledge Insurance Group handles home insurance agent needs for local homeowners. The company assists clients in selecting policies that protect residential properties against common regional risks like storms and flooding. For each typical job, the agency takes the approach of evaluating a client’s specific coverage gaps and budget before presenting a tailored set of protection options from multiple insurance carriers.
Brevard Coastal Insurance specializes in homeowners coverage tailored to the unique risks of Merritt Island, Florida properties. The agency works with clients to structure personal insurance plans that address liability protection, dwelling replacement, and personal property coverage. Understanding the local landscape, general service includes guidance on policy limits, deductibles, and bundling options for efficiency. As hurricane season approaches each year, the agent helps residents review their windstorm and flood insurance provisions to ensure adequate financial safeguards against storm surges and high winds.
Mr Auto Insurance in Merritt Island, FL, handles home insurance as a distinct service from its auto offerings, with policies typically provided on an annual term that requires renewal each year rather than being billed per visit. Coverage commonly includes dwelling protection, personal liability, and additional living expenses for policyholders in the area. The company works with homeowners to assess local risks and select appropriate limits or endorsements. Service runs on a scheduled basis through annual policy renewals and as-needed endorsements or claims support.
What Does a a Home Insurance Agent in Merritt Island Cost?
The average cost of home insurance in Florida is around $2,000 to $4,000 per year for a standard policy. In Merritt Island premiums can be higher due to hurricane risk and flood zone status. Costs vary based on home value construction age deductible and coverage limits. This is general information and not insurance advice.
About home insurance agents in Merritt Island
A home insurance agent in Merritt Island Florida can help you find a policy that meets state requirements and protects your property from hurricane damage. Florida law mandates that insurers offer windstorm coverage and provide a sinkhole loss coverage option. Local agents understand the unique risks of Brevard County including storm surge and flood zones.
Frequently Asked Questions
What does a home insurance agent in Merritt Island do?
A home insurance agent helps you compare policies from different insurers to find coverage that fits your needs. They explain Florida specific requirements like wind mitigation inspections and flood insurance options. They also assist with claims and policy changes.
Do I need flood insurance in Merritt Island Florida?
Flood insurance is not required by Florida law but is often required by mortgage lenders for homes in flood zones. Merritt Island is near the coast and many areas are designated as high risk flood zones. A local agent can help you determine if you need a separate flood policy through the National Flood Insurance Program.
How does Florida law affect home insurance costs in Merritt Island?
Florida law requires insurers to offer windstorm coverage and allows for sinkhole loss coverage. These requirements can increase premiums. The state also has a three year time limit from the date of loss to file a property insurance claim. An agent can explain how these laws impact your policy and rates.
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