The top-rated boat insurance agent in Melbourne, Florida is Erb and Young Insurance, rated 4.9 stars across 1,037 reviews. Other highly rated options include Arty Pagan - State Farm Insurance Agent, Josh Post - State Farm Insurance Agent, Better Insurance Group. This directory lists 21 boat insurance agents serving Melbourne.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Erb and Young Insurance | 6550 N Wickham Rd STE 9 | (321) 254-0095 |
| 2 | Arty Pagan - State Farm Insurance Agent | 7955 N Wickham Rd | (321) 775-1000 |
| 3 | Josh Post - State Farm Insurance Agent | 366 Babcock St STE 102 | (321) 254-8406 |
| 4 | Better Insurance Group | 1580 N Harbor City Blvd | (321) 724-2100 |
| 5 | Golden Trust Insurance Melbourne | 500 N Harbor City Blvd Ste B | (305) 786-7535 |
| 6 | Kim Osman Insurance Group, Inc. | 474 N Harbor City Blvd | (321) 242-2311 |
| 7 | Space Coast Insurance Agency, LLC | 6450 Anderson Way | (321) 799-2929 |
| 8 | Anthony Insurance Agency | 7331 Office Park Place STE 500 | (321) 242-3181 |
| 9 | Kasey Osman: Allstate Insurance | 930 S Harbor City Blvd Suite 202 | (321) 725-8022 |
| 10 | GreatFlorida Insurance: Cheryl Miller | 1678 W Hibiscus Blvd #103 | (321) 253-8531 |
Erb and Young Insurance in Melbourne, Florida distinguishes between a straightforward one-time boat insurance purchase and recurring policy management that adapts as a vessel ages or changes use. Their coverage typically protects against collision, theft, liability for damage to dock or other craft, and environmental damage requiring special attention near Florida waterways. A boat insurance agent here works with policyholders on an as-needed basis, handling endorsements during the boating season and immediate claims after storms or groundings without locking clients into a fixed schedule.
Arty Pagan - State Farm Insurance Agent serves the Melbourne, Florida, area by providing boat insurance policies designed to cover a range of watercraft needs. The agency assists local boat owners in obtaining coverage for liability, damage, and potential losses on the water. As a local agent, Arty Pagan works to help clients understand their policy options and find suitable coverage for their vessels. The agency handles policies for small fishing boats and personal watercraft commonly used along the nearby coast.
As a boat insurance agent in Melbourne, FL, Josh Post - State Farm Insurance Agent offers a range of coverage options for watercraft, including liability, collision, and comprehensive policies. Service plans are designed to help boat owners manage their insurance needs, with support for policy reviews and claims assistance throughout the year. The agency provides these insurance services for a variety of property types, such as single-family homes, apartments, retail spaces, and restaurants.
Better Insurance Group serves boat owners in Melbourne, Florida, and the surrounding coastal communities along the Space Coast. The agency handles a full range of marine insurance products, including coverage for pleasure crafts, fishing boats, and personal watercraft. Each policy is tailored to meet the specific needs of the vessel and its usage patterns on local waterways. To complete a typical job, the agent reviews the customer’s boating habits and hull details before presenting clear coverage options that match both risk and budget.
Some homeowners choose a one-time policy for a specific vessel, while others prefer a recurring annual plan that covers seasonal use. As a boat insurance agent in Melbourne, FL, Golden Trust Insurance Melbourne helps local boat owners navigate coverage that typically protects against physical damage, liability, and environmental hazards common to coastal waters. Work with them proceeds on either a one-time or as-needed basis to address changing coverage needs as boats are bought, sold, or taken out of service for repairs.
Homeowners, businesses, and property managers in Melbourne, FL, work with Kim Osman Insurance Group, Inc. for their boat insurance needs. The agency provides coverage policies tailored to protect various watercraft against common risks on nearby waterways. Clients receive dedicated guidance to evaluate policy options and ensure proper protection for their vessels. This boat insurance agent also serves clients in the surrounding Brevard County area, including the communities of Satellite Beach and Palm Bay.
As a boat insurance agent, Space Coast Insurance Agency, LLC offers specialized coverage options for a variety of watercraft, including yachts, fishing boats, and personal watercraft. It provides consultations to help vessel owners navigate policy details, ensuring adequate protection for their specific needs. Serving Melbourne, FL, the agency assists with coverage surrounding the active hurricane season, helping clients secure policies that address windstorm damage and seasonal storage requirements.
Anthony Insurance Agency assists Melbourne, Florida, boat owners with securing coverage for their vessels. The agency routinely handles standard yacht policies and can provide specialty add-ons for personal watercraft and fishing boat equipment. Clients often work with the firm to adjust liability limits and deductibles to suit their individual needs. Beyond recreational boats, the company also offers its marine insurance expertise to local commercial sectors, including fishing charter offices, boatyard warehouses, and dockside food service operations.
As hurricane season approaches along Florida’s Space Coast, boat owners in Melbourne, FL, require reliable coverage to protect their vessels. Kasey Osman: Allstate Insurance offers policies tailored for local waterways, addressing storm damage, theft, and liability risks common to this region. Personal watercraft and larger yachts benefit from customized plans that balance affordability with essential protection. The process begins with a thorough hull and equipment inspection to determine accurate coverage needs and policy options for each client’s specific situation.
GreatFlorida Insurance: Cheryl Miller offers residential boat insurance services to owners in and around Melbourne, Florida. Commercial coverage is also available for watercraft used in business operations within the local area. The agency provides protection for a variety of vessels common to the region’s waterways. Clients can expect thorough policy reviews and prompt claims assistance. Follow-up service is provided between regular visits to ensure coverage remains current with any changes in boat usage or storage.
What Does a a Boat Insurance Agent in Melbourne Cost?
Annual boat insurance premiums in Florida typically range from 300 to 800 dollars for a small runabout up to 2,000 dollars or more for a large yacht. Factors include vessel value horsepower age and your boating experience. Location in Melbourne near the coast can increase rates due to hurricane and storm surge exposure. This is general information not insurance advice.
About boat insurance agents in Melbourne
Boat insurance agents in Melbourne Florida help you protect your vessel against damage theft and liability. Florida law requires all motorized vessels to carry minimum liability insurance. Local agents understand the unique risks of the Indian River Lagoon and Atlantic Ocean waters near Melbourne.
Frequently Asked Questions
What types of boat insurance are available in Melbourne Florida?
Common coverages include liability physical damage medical payments and uninsured boater protection. Many agents also offer policies for trailers personal effects and towing assistance. Florida does not require insurance for non-motorized vessels like kayaks.
Do I need boat insurance to launch at Melbourne area ramps?
Most public ramps in Brevard County do not require proof of insurance to launch. However Florida law mandates liability coverage for any motorized vessel operated on state waters. Private marinas and yacht clubs may require proof of insurance before allowing dockage.
How do Florida hurricane risks affect boat insurance in Melbourne?
Many Florida policies include a separate hurricane deductible usually 1 to 5 percent of the insured value. Some insurers may restrict coverage during named storm watches or warnings. Agents can explain specific windstorm and named storm provisions for your policy.
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