Home, auto, and renters
Home, auto, and renters insurance in Palm Bay
Personal property and casualty coverage for the Space Coast: the home you live in, a home you rent out, the car you drive, a rental, a boat, or an RV. Business policies are on the commercial page.
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Carriers we work with
Home, Auto & Commercial
Logos are trademarks of their respective owners and are shown to identify carriers we are appointed with.
Why people call
Florida risks, named plainly
Wind and hurricane deductibles are often a percentage of the home’s insured value. We show that page of the quote.
Flood is a separate policy
A standard homeowners policy does not cover flood. We can quote flood beside the home policy.
More than one carrier
Carriers we have listed include GEICO, Travelers, Allstate, Citizens, People’s Trust, and Tower Hill. Delete a name in lib/carriers.ts if you are not appointed.
Coverage we quote
Homeowners insurance protects the building you live in and, up to the policy limits, your belongings and your liability. After a hurricane, some carriers pause new business. If a market is closed, we will say so instead of pretending a quote is ready.
If you rent the home to someone else, you likely need a landlord policy, not a homeowners policy. Renters insurance covers a tenant’s belongings and liability. It does not insure the building.
Auto insurance keeps you legal on Florida roads and can add protection for your own car. We will show liability limits in dollars, not just the word “full coverage.” Boats, RVs, and flood are separate policies.
About Citizens and price
Citizens is a Florida insurer we can quote. It is a market for people who do not get a comparable offer elsewhere. It is not automatically the first or the cheapest choice. We start with the carriers who will make an offer and show you the deductibles side by side.
Call or text (321) 429-1182. Property quotes need the address. Have your current declaration page nearby if you have one.
A free quote is not a policy. Nothing on this page is a binder of coverage.
Personal lines
Homeowners
The house you live in, including Florida wind and hurricane deductibles.
Learn moreLandlord
A different policy when you do not live in the home you rent out.
Learn moreAuto
Liability and optional physical damage for the cars you drive in Florida.
Learn moreFlood
A separate policy. A standard homeowners policy typically does not cover flood.
Learn moreRenters
Your belongings and liability. Your landlord’s policy does not replace this.
Learn moreBoats / RVs
Boat and RV quotes, separate from a basic auto or home policy.
Learn more
Questions people ask
Do you still offer property insurance? An older page said “soon.”
Yes. Property and casualty is offered now. That includes home, landlord, renters, auto, flood, boats, and RVs. The old line that said it was coming soon is retired.
Is flood included in my home quote?
No. Flood is a separate policy. We will not describe a homeowners quote as flood coverage.
I rent my house out. Is that still homeowners?
Usually no. A policy for a home you live in can refuse a claim if someone else lives there and you did not tell the carrier. Ask for a landlord quote and say whether the rental is long-term or short-term.
Can you insure my business here?
Business policies, including general liability, workers’ compensation, and commercial auto, are on the commercial insurance page. This page is for personal lines.
Why will you not promise the lowest rate?
The lowest premium can hide a high hurricane deductible or a low dwelling limit. We compare the premium and the coverage, then you choose.
What is a hurricane deductible?
On many Florida home policies it is a percentage of the dwelling limit, separate from the deductible you pay for other claims. Two percent of one home is not two percent of another. We point at your percentage on the quote. We do not assume it.
Do you write policies outside Brevard County?
The office is in Palm Bay. We can quote other Florida addresses when a carrier will write them. The address still decides the price and whether a market is open.
What should I send for a quote?
The property address, the drivers and vehicles for an auto quote, and a current declaration page if you have one. Roof year and a wind-mitigation form help on a house. You can start without them.
Ready for a real quote?
Call, text, or send the short form. We answer during Monday–Friday, 9:00 AM–6:00 PM; Saturday, 10:00 AM–2:00 PM; Sunday closed.