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Best Homeowners Insurance Agencies in Melbourne

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Atlantic Coast Insurance logo
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Atlantic Coast Insurance

2350 Minton Road, West Melbourne, FL 32904
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  • Renter's Insurance
  • Flood
  • Condos

Business Description

Atlantic Coast Insurance is a full-service insurance agency in Melbourne that handles homeowners and property damage policies. The business partners with over 25 different carriers to help customers compare rates and choose cost-effective plans, and it provides a quote calculator on its website. Coverage offerings for homeowners policies include high value items, additional living expenses, personal liability protection, and property damage protection due to fires and severe weather. Additionally, the company's agents assist with separate add-on policies for damages not covered with standard homeowner plans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.0 / 5 (41)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
1 Source Insurance Agency Inc. logo
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1 Source Insurance Agency Inc.

1701 South Harbor City Boulevard, Melbourne, FL 32901
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  • Multiple Policy Types

Business Description

1 Source Insurance Agency, Inc. is a family-owned, independent insurance broker that protects thousands of policyholders in Melbourne and neighboring communities. Standard homeowners' insurance is one of the main products that the agency offers. This policy protects homeowners from losses caused by fire, lightning, hail, explosions, and theft. It covers replacement cost, additional living expenses, and personal liability. 1 Source Insurance Agency has been serving Brevard County and Florida since 1999.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.6 / 5 (10)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Brian West - State Farm Insurance Agent logo
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Brian West - State Farm Insurance Agent

2320 Dairy Road, Melbourne, FL 32904
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  • Multiple Policy Types

Business Description

Brian West - State Farm Insurance Agent is a full-service insurance agency in Melbourne that handles homeowners insurance policies. Agent Brian West and his team assist relocating homebuyers and current homeowners with obtaining plans that cover matters such as fire damage, storm damage, and loss due to theft and break-ins, and Mr. West is fully licensed. In addition to homeowners insurance, the team handles life insurance, small business insurance, and auto insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (25)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Brightway Insurance logo
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Brightway Insurance

1451 East Irlo Bronson Memorial Highway, St. Cloud, FL 34771
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  • Multiple Policy Types

Business Description

Brightway Insurance offers homeowners insurance plans to customers in Melbourne and surrounding cities. The business is locally owned and operated, and it only sells through local agents to ensure they can be reached at all times. It provides policies for single-family homeowners, apartment building owners, and condominium owners that cover damages due to fires, theft, and natural disasters, and it offers separate policies for water damage due to flooding and storms.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
COBIA Insurance Agency logo
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COBIA Insurance Agency

4450 West Eau Gallie Boulevard, Melbourne, FL 32934
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  • Flood
  • Multiple Policy Types

Business Description

COBIA Insurance is a Melbourne insurance agency that provides homeowners insurance and umbrella policies. In business since 2013, the company is locally owned and operated, and its agents have a 95-percent client renewal rate. COBIA insurance partners with a network of carriers to help clients compare rates and choose the best policies to meet specific homeowner and budgetary needs. Additionally, the company offers the My Protection Plus portal for customers to obtain quotes and policy information online.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Florida Insurance Concepts, LLC logo
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Florida Insurance Concepts, LLC

470 South Wickham Road, West Melbourne, FL 32904
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  • Multiple Carriers
  • Flood
  • Condos
  • Renter's Insurance
  • Multiple Policy Types

Business Description

Florida Insurance Concepts, LLC, is an insurance firm that services the Melbourne metro area and nearby localities. The company assists individuals and families in selecting the right homeowners' insurance policy among different insurance carriers. Its brokers provide several coverage options for the home structure and personal belongings. They also handle vacant homes and high-value residences. Other offerings include auto, marine, and commercial insurance plans. The company also serves clients in Port St. Lucie and Vero Beach.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Hoffman & Associates Insurance Company logo
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Hoffman & Associates Insurance Company

5005 North Wickham Road, Melbourne, FL 32940
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  • Multiple Policy Types

Business Description

Hoffman & Associates Insurance Company is a family-owned and family-operated business serving Melbourne. As an independent insurance broker, it offers various coverage options in homeowners' insurance. This type of insurance typically covers the home structure and the occupant's belongings from damages caused by fire or theft. Policyholders may also increase their protection by adding hurricane and flood insurance. Hoffman & Associates Insurance Company, a full-service firm, has been insuring Florida homes and properties since 1964.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (47)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Insurance World of Eau Gallie logo
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Insurance World of Eau Gallie

1865 North Wickham Road, Melbourne, FL 32935
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  • Multiple Policy Types

Business Description

Insurance World of Eau Gallie is a family-owned and operated business based in Melbourne that has been providing auto and home insurance solutions since 1990. With access to multiple insurance companies, it gives a variety of coverage options to clients who are looking to protect their homes, condos, rental properties, and other assets. The professionals at this agency can customize the homeowners insurance policy to fit the lifestyle. The coverage commonly includes dwellings and contents.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Kim Osman Insurance Group logo
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Kim Osman Insurance Group

474 N Harbor City Blvd, Melbourne, FL 32935
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  • Multiple Policy Types

Business Description

Kim Osman Insurance Group is an insurance agency in Melbourne that offers a wide array of personal and business insurance and products. The staff aims to give individualized attention to each client and help them find the right home insurance coverage. They can provide guidance throughout the process, from comparing coverage options and purchasing home insurance to filing a property loss claim. Kim Osman Insurance Group has already helped hundreds of customers with their home, auto, business, and life insurance needs.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (143)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Prime Insurance Solutions logo
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Prime Insurance Solutions

3040 North Wickham Road, Melbourne, FL 32935
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  • Multiple Policy Types

Business Description

Prime Insurance Solutions is an independent insurance agency serving the Melbourne area. It helps provide homeowners with suitable insurance policy options, whether they are looking to insure their houses, vacation homes, secondary residences, or high-value homes. Depending on the client's needs, these homeowners' insurance policies can cover several areas including repairs, personal belongings, liabilities, medical expenses, and living expenses. Clients may also opt to add other features such as flood protection, earthquake protection, or jewely insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Snow Insurance Services logo
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Snow Insurance Services

2090 Meadowlane Ave, Melbourne, FL 32904
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  • Multiple Policy Types

Business Description

Snow Insurance Services is an independent insurance company providing auto, home, pet, and commercial insurance to Melbourne residents and communities. The business assists in finding the protection plan best suited for households and families. Homeowners' insurance specialists guide clients throughout the insurance application and settlement. Coverages for home insurance include personal possessions, liabilities, living expenses following a disaster, and structural property damages. The agency helps individuals protect their homes, condos, new homes, apartments, and vacant homes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.9 / 5 (13)
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Steve Hooper - GreatFlorida Insurance Agent logo
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Steve Hooper - GreatFlorida Insurance Agent

2815 West New Haven Avenue, West Melbourne, FL 32904
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  • Multiple Policy Types

Business Description

Steve Hooper is an agent under GreatFlorida Insurance that works to assist Melbourne area homeowners in securing financial protection for their residences and personal possessions. Hooper's services focus on obtaining insurance coverage for dwellings and personal properties that are vulnerable to incidents such as fire, theft, windstorms, and hail. Hooper also provides assistance in determining policies for personal liabilities, detached structures, temporary living arrangements, and medical expenses. Hooper has been working with GreatFlorida Insurance since 2018.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (81)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Insurance Center of Central Florida, Inc. logo
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The Insurance Center of Central Florida, Inc.

3760 West Eau Gallie Boulevard, Melbourne, FL 32934
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  • Multiple Policy Types

Business Description

The Insurance Center of Central Florida, Inc., carries personal and business insurance lines in Melbourne. Established in 1991, this firm assists homeowners in mitigating financial damages through comprehensive home insurance solutions. Its insurance specialists seek to understand homeowners' financial situations, help assess potential risks, and provide comparative home insurance quotes. Policyholders obtain coverage packages that include compensation for structural repairs, replacement values, liability claims, and temporary living expenses in case of natural disasters or covered losses.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (35)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Wren Insurance Agency logo
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Wren Insurance Agency

1430 Palm Bay Road Northeast, Palm Bay, FL 32905
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  • Multiple Policy Types

Business Description

Wren Insurance Agency has over four decades in serving the insurance needs of clients in the Palm Bay and Melbourne areas. This independent insurance agency works with different insurance companies to provide a variety of insurance products, including homeowners' insurance. Its homeowners' insurance policy covers damages on the properties of its clients due to unexpected disasters. The insurance coverages may include dwelling or property coverage, personal property insurance, personal liability coverage, additional living expenses, and scheduled personal property coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (181)
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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