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2024

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Best Homeowners Insurance Agencies in Palm Bay, FL

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Palm Bay 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.

71Reviewed

45Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

277 Malabar Road, Palm Bay, FL 32907

Expertise.com Rating

Review Sources

Google
5.0 (117)
Facebook
5.0 (25)

Why choose this provider?

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.

  • Fire
  • Multiple Policy Types
  • Personal Property Insurance

2850 Lake Washington Road, Melbourne, FL 32935

Expertise.com Rating

Review Sources

Google
4.6 (14)
Facebook
5.0 (2)

Why choose this provider?

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.

  • Renter's Insurance
  • 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 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.

  • Renter's Insurance
  • Personal Property Insurance
  • Condos

1717 Indian River Boulevard, Vero Beach, FL 32967

Expertise.com Rating

Review Sources

Yelp
5.0 (4)

Why choose this provider?

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.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

936 U.S. Highway 1, Sebastian, FL 32958

Expertise.com Rating

Review Sources

Google
4.7 (90)
Facebook
5.0 (12)

Why choose this provider?

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.

  • Flood
  • Multiple Policy Types
  • Personal Property Insurance

6255 Minton Road, Palm Bay, FL 32907

Expertise.com Rating

Review Sources

Google
4.8 (16)
Facebook
5.0 (5)

Why choose this provider?

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.

  • Multiple Policy Types

4320 South Babcock Street, Melbourne, FL 32901

Expertise.com Rating

Review Sources

Google
4.2 (13)
Facebook
3.7 (3)

Why choose this provider?

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.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Sarpoolaki Insurance Center
277 Malabar Road, Palm Bay, FL 32907
Advanced Insurance Net
2850 Lake Washington Road, Melbourne, FL 32935
Wren Insurance Agency
1430 Palm Bay Road Northeast, Palm Bay, FL 32905
Schlitt Services
1717 Indian River Boulevard, Vero Beach, FL 32967
Sebastian Insurance
936 U.S. Highway 1, Sebastian, FL 32958
Rey Campbell - GreatFlorida Insurance Agent
6255 Minton Road, Palm Bay, FL 32907
Brightway, The A.L.L. Agency
4320 South Babcock Street, Melbourne, FL 32901

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.
  • What are some ways to lower home insurance premiums in Palm Bay?

    Home insurance premiums in Palm Bay can be reduced by investing in wind protection, water damage prevention, security measures, and improving your credit score. However, the impact of these changes on your annual rates varies depending on location, home age, and insurance company policies, so it's important to consult your agent before making these home improvements to explore potential savings.

  • How much do deductibles typically vary in Palm Bay homeowners' insurance policies?

    Deductibles on Palm Bay homeowners' insurance policies can range from $250 to $1000 or more. When deciding on a deductible, consider your financial situation as well as how you intend to use your policy. If you prefer the convenience of making claims without significant out-of-pocket costs, choose a lower deductible with a higher premium. If you can manage smaller repair expenses and prefer lower monthly payments, choose a higher deductible and lower premium.

  • Are pets covered under homeowners' insurance in Palm Bay?

    Animal liability, which may include pet-related incidents, is typically covered by homeowner's insurance in Palm Bay. If your pet were to cause injury or property damage to a third party, the personal liability coverage of your homeowners' insurance could provide protection. It is essential to review your specific policy for specifics and restrictions.

  • What should you do if you are in a disagreement with your insurance provider in Palm Bay concerning damage costs?

    If you find yourself in a dispute with your insurance company in Palm Bay over the cost of damages, you can utilize the mediation program offered by the Florida Department of Financial Services. This program is free for policyholders and is supported by insurance companies. Contact the Florida Department of Financial Services at 877-MY-FL-CFO (877-693-5366) in order to initiate mediation or resolve a dispute.

  • What should homeowners consider when renewing their Palm Bay home insurance?

    When renewing Palm Bay home insurance, homeowners should consider the impact of recent renovations on their policy, evaluate the need to update personal liability coverage, reassess deductibles based on changing financial situations, and reflect on their overall experience with the current insurance company. These factors help to ensure adequate coverage, potential cost savings, and alignment with changing needs, ultimately maximizing the insurance policy's benefits.

  • 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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