Expertise.com

Best Homeowners Insurance Agencies in Palm Bay

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Homeowners Insurance Agencies FAQs

Learn more
Advanced Insurance Net logo
Visit WebsiteWebsite

Advanced Insurance Net

2850 Lake Washington Road, Melbourne, FL 32935
Visit WebsiteWebsite
  • Renter's Insurance
  • Multiple Policy Types

Business Description

Advanced Insurance Net is an insurance agency that has been providing personal and business insurance solutions in Palm Bay and the surrounding areas for over two decades. It is comprised of insurance agents who offer tailored homeowners' plans, protecting client's property and their belongings from financial loss due to disasters. They also have insurance policies for motorcycles, automobiles, disability, health, and long-term care. Its commercial plans include annuities, properties, vehicles, landlords, and liabilities.

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
4.6 / 5 (14)

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, The A.L.L. Agency logo
Visit WebsiteWebsite

Brightway, The A.L.L. Agency

4320 South Babcock Street, Melbourne, FL 32901
Visit WebsiteWebsite
  • Multiple Policy Types

Business Description

Brightway, The A.L.L. Agency is an independent insurance agency in Palm Bay that specializes in personal lines insurance plans. Its agents provide expert counsel in all phases of homeowners' insurance and connect clients with the right insurance companies. The homeowners' insurance coverage options include protection in the event of a loss or disaster. Professionals can also customize the policy for additional coverage. Brightway also offers flood, condo, and renters insurance and other types of vehicle 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.
5.0
Google
4.2 / 5 (13)
Facebook
3.7 / 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
Clover Insurance Agency, LLC logo
Visit WebsiteWebsite

Clover Insurance Agency, LLC

190 Malabar Road, Palm Bay, FL 32907
Visit WebsiteWebsite
  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Clover Insurance Agency, LLC, is an independent insurance agency that assists clients in Palm Bay obtain insurance coverage for their homes. The homeowners' insurance can provide clients protection from the impacts of property damages and personal liability. It offers coverages for condominium owners and renters. The company matches clients with various insurance providers to offer policy options that can address their insurance requirements. The agency also offers insurance coverages for automobiles, motorcycles, boats, and RVs.

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.
4.1
Google
4.1 / 5 (28)

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
Rey Campbell - GreatFlorida Insurance Agent logo
Visit WebsiteWebsite

Rey Campbell - GreatFlorida Insurance Agent

6255 Minton Road, Palm Bay, FL 32907
Visit WebsiteWebsite
  • Multiple Policy Types

Business Description

Rey Campbell - GreatFlorida Insurance Agent aims to financially secure homes and assets in and around Palm Bay. This homeowners' insurance agency customizes insurance plans and coverages to meet the needs of clients through various partner insurance providers. Its policies cover damages caused by calamities and incidents such as fires, hurricanes, and theft. It also has coverages to safeguard the clients' families and their personal property. Rey Campbell - GreatFlorida Insurance Agent has been insuring homes for more than 30 years.

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 (16)
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
Sarpoolaki Insurance Center logo
Visit WebsiteWebsite

Sarpoolaki Insurance Center

277 Malabar Road, Palm Bay, FL 32907
Visit WebsiteWebsite
  • Fire
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Since 1989, Sarpoolaki Insurance Center has helped protect the assets of clients in Palm Bay and neighboring areas with insurance solutions. Among the products they offer is homeowners' insurance. The standard policy covers the home and the valuable items stored in it from unexpected damage or loss. The insurance policy also protects homeowners from legal responsibility if other people experience injury or property damage because of the household, including pets. Sarpoolaki Insurance Center also provides other personal insurance as well as commercial 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.
5.0
Google
5.0 / 5 (117)
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
Schlitt Services logo
Visit WebsiteWebsite

Schlitt Services

1717 Indian River Boulevard, Vero Beach, FL 32967
Visit WebsiteWebsite
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood
  • Earthquake
  • Condos

Business Description

Schlitt Services is an insurance agency that works with clients in Palm Bay and throughout its nearby areas. This agency has been operating since 1953, helping homeowners and other individuals obtain reliable insurance policies from trusted carriers. Some of the carriers this independent agency represents include Progressive, Farmers, Liberty Mutual, and Travelers. In addition to home insurance, Schlitt Services also provides auto, life, and business insurance policies. This company is a Trusted Choice insurance agency.

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
Yelp
5.0 / 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
Sebastian Insurance logo
Visit WebsiteWebsite

Sebastian Insurance

936 U.S. Highway 1, Sebastian, FL 32958
Visit WebsiteWebsite
  • Flood
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Sebastian Insurance is an agency that serves clients in the Palm Bay area. It works with homeowners to help them determine how much coverage they need, and what other policies they may want to bundle along with their home insurance. Coverage options this agency provides include auto and commercial insurance. Sebastian Insurance works with carriers that are nationally recognized. That includes Foremost Insurance Group, Liberty Mutual, Progressive, and Allstate Insurance Group.

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
Facebook
5.0 / 5 (12)

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
Visit WebsiteWebsite

Wren Insurance Agency

1430 Palm Bay Road Northeast, Palm Bay, FL 32905
Visit WebsiteWebsite
  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Business Description

Wren Insurance Agency is a homeowners' insurance agency that has been serving families and residents in the Palm Bay area since 1979. Its team has years of experience in providing home insurance plans that can protect the owners, their families, homes, personal properties, and special possessions. The firm's insurance specialists also help provide the right insurance policy to both landlords and renters. Wren Insurance Agency also offers other insurance types such as auto, business, and specialty 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.
4.8
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.

Read all FAQs