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2024

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Best Homeowners Insurance Agencies in Melbourne, FL

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Melbourne Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

56Reviewed

38Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

470 South Wickham Road, West Melbourne, FL 32904

Expertise.com Rating

Review Sources

Google
4.0 (4)

Why choose this provider?

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.

  • Multiple Carriers
  • Flood
  • Condos

1451 East Irlo Bronson Memorial Highway, St. Cloud, FL 34771

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

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.

  • Multiple Policy Types

1430 Palm Bay Road Northeast, Palm Bay, FL 32905

Expertise.com Rating

Review Sources

Google
4.9 (181)
Facebook
5.0 (10)
Yelp
5.0 (1)

Why choose this provider?

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.

  • Multiple Policy Types

2815 West New Haven Avenue, West Melbourne, FL 32904

Expertise.com Rating

Review Sources

Google
4.9 (81)
Facebook
5.0 (3)

Why choose this provider?

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.

  • Multiple Policy Types

474 N Harbor City Blvd, Melbourne, FL 32935

Expertise.com Rating

Review Sources

Google
4.9 (143)
Yelp
5.0 (1)

Why choose this provider?

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.

  • Multiple Policy Types

3040 North Wickham Road, Melbourne, FL 32935

Expertise.com Rating

Review Sources

Google
4.9 (11)

Why choose this provider?

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.

  • Multiple Policy Types

3760 West Eau Gallie Boulevard, Melbourne, FL 32934

Expertise.com Rating

Review Sources

Google
4.7 (35)

Why choose this provider?

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.

  • Multiple Policy Types

2320 Dairy Road, Melbourne, FL 32904

Expertise.com Rating

Review Sources

Google
4.8 (129)
Facebook
5.0 (25)
Yelp
3.5 (9)

Why choose this provider?

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.

  • Multiple Policy Types

1865 North Wickham Road, Melbourne, FL 32935

Expertise.com Rating

Review Sources

Google
4.4 (16)

Why choose this provider?

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.

  • Multiple Policy Types

1701 South Harbor City Boulevard, Melbourne, FL 32901

Expertise.com Rating

Review Sources

Google
4.6 (10)
Facebook
5.0 (9)

Why choose this provider?

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.

  • Multiple Policy Types

5005 North Wickham Road, Melbourne, FL 32940

Expertise.com Rating

Review Sources

Google
4.8 (47)
Facebook
5.0 (21)

Why choose this provider?

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.

  • Multiple Policy Types

2090 Meadowlane Ave, Melbourne, FL 32904

Expertise.com Rating

Review Sources

Google
4.9 (13)
Facebook
5.0 (8)

Why choose this provider?

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.

  • Multiple Policy Types

4450 West Eau Gallie Boulevard, Melbourne, FL 32934

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

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.

  • Flood
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Florida Insurance Concepts, LLC
470 South Wickham Road, West Melbourne, FL 32904
Brightway Insurance
1451 East Irlo Bronson Memorial Highway, St. Cloud, FL 34771
Wren Insurance Agency
1430 Palm Bay Road Northeast, Palm Bay, FL 32905
Steve Hooper - GreatFlorida Insurance Agent
2815 West New Haven Avenue, West Melbourne, FL 32904
Kim Osman Insurance Group
474 N Harbor City Blvd, Melbourne, FL 32935
Prime Insurance Solutions
3040 North Wickham Road, Melbourne, FL 32935
The Insurance Center of Central Florida, Inc.
3760 West Eau Gallie Boulevard, Melbourne, FL 32934
Brian West - State Farm Insurance Agent
2320 Dairy Road, Melbourne, FL 32904
Insurance World of Eau Gallie
1865 North Wickham Road, Melbourne, FL 32935
1 Source Insurance Agency Inc.
1701 South Harbor City Boulevard, Melbourne, FL 32901
Hoffman & Associates Insurance Company
5005 North Wickham Road, Melbourne, FL 32940
Snow Insurance Services
2090 Meadowlane Ave, Melbourne, FL 32904
COBIA Insurance Agency
4450 West Eau Gallie Boulevard, Melbourne, FL 32934

FAQs

  • 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.
  • How can homeowners in Melbourne ensure full coverage for both their property and valuable items inside?

    Homeowners in Melbourne should select insurance that covers not just their home's purchase price but also replacement costs, considering contractor fees and material prices. Additionally, while many policies cover interior valuables like electronics and artwork, it's vital to note specific exclusions or caps for pricier items. Comparing rates and terms is crucial to guaranteeing a comprehensive, cost-effective choice.

  • What are the key coverage areas of homeowners' insurance in Melbourne?

    In Melbourne, homeowners' insurance offers the following coverages:

    • Living expenses: Addresses temporary housing or food needs if a major event displaces a homeowner from their residence.
    • Personal property: Compensates for valuables a homeowner might lose or have damaged.
    • Liability: Protects against claims arising from property damage or personal injuries on the homeowner's property.
    • Medical expenses: Coverage for non-residents injured on the homeowner's premises.
    • Property coverage: Covers repairs to the home or other related structures.
  • How do homeowners' insurance policies in Melbourne address hail damage?

    Most property insurance policies in Melbourne, particularly the HO-3 plans, cover hail damage. The HO-3 policy safeguards both a homeowner's dwelling structure and personal belongings. However, some of these policies feature a specific deductible for hail damage, typically based on a percentage of the dwelling's coverage limit. Homeowners must pay this deductible first before receiving reimbursement. Importantly, having coverage doesn't guarantee a full payout. The insurance company must verify the nature and extent of the damage before determining the claim's value.

  • What is the purpose and coverage of HO-8 insurance policies in Melbourne?

    In Melbourne, HO-8 insurance policies target homes that have stood for 40 years or longer. Given the hefty expense of restoring vintage homes with often rare materials, insurers have framed HO-8 as an economical safeguard. These policies hinge on particular threats, drawing parallels with the HO-1 coverage list. They offer a shield for personal assets, handle liability concerns, and address disturbances leading to a loss of habitual use due to defined hazards.

  • What factors determine the cost of a homeowners' insurance policy in Melbourne?

    In Melbourne, several variables affect the price of a homeowners' insurance policy. The deductible chosen affects the cost, as a higher deductible, like $500, typically reduces the premium, making the homeowner responsible for the initial portion of a covered loss. Individual pricing of selected coverage options also plays a role in determining the policy's overall cost. Additionally, opting for higher coverage limits than standard recommendations can influence the final premium to match a homeowner's specific needs.

  • 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.

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