The top-rated condo insurance agent in Palm Bay, Florida is Amber Smith - GEICO Insurance Agent, rated 4.9 stars across 1,307 reviews. Other highly rated options include Ryan Hill - State Farm Insurance Agent, Space Coast Family Insurance, Patriot Growth Insurance Service, LLC. This directory lists 18 condo insurance agents serving Palm Bay.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Amber Smith - GEICO Insurance Agent | 620 Malabar Rd SE Suite 8 | (321) 327-6022 |
| 2 | Ryan Hill - State Farm Insurance Agent | 1460 Baytree Dr Suite D | (321) 723-1444 |
| 3 | Space Coast Family Insurance | 2105 Palm Bay Rd NE Unit 3 215 | (321) 655-3920 |
| 4 | Patriot Growth Insurance Service, LLC | 1430 Palm Bay Rd NE Suite A and B | (321) 725-1440 |
| 5 | Joe Raley - State Farm Insurance Agent | 5030 Minton Rd #1 | (321) 723-0333 |
| 6 | Weston Johnson - State Farm Insurance Agent | 590 Malabar Rd SE #6 | (321) 541-1433 |
| 7 | Sarpoolaki Insurance Center,LLC | 277 Malabar Rd SE | (321) 914-0303 |
| 8 | GreatFlorida Insurance: Sabrina Lee | 4651 Babcock St NE # 17 | (321) 724-4409 |
| 9 | Brightway Insurance, The DeJesus Legacy Agency | 3200 Dixie Hwy NE Ste 7 | (321) 257-4045 |
| 10 | Monty McCart: Allstate Insurance | 820 Palm Bay Rd NE #111 | (321) 724-8851 |
Amber Smith – GEICO Insurance Agent serves Palm Bay, FL, providing condo insurance policies tailored to individual unit owners. This agency helps residents find coverage for dwelling protection and personal property within their condominium associations. It assists clients in understanding master policy gaps and selecting appropriate loss assessment endorsements. Services include assistance with liability coverage for incidents inside a unit and contents protection for personal belongings. The agency handles renters insurance coordination and special assessments as well.
Ryan Hill - State Farm Insurance Agent serves homeowners, condo owners, and property managers in Palm Bay, Florida, offering tailored condo insurance policies that cover common building areas and personal liability. The agency helps clients understand loss assessment coverage and personal property protection specific to condominium associations. It also provides guidance on policy limits and deductibles for individual units. The agency additionally serves residents in the neighboring community of Melbourne, Florida, within the greater Brevard County metro area.
Space Coast Family Insurance serves Palm Bay and the surrounding communities of Melbourne, Rockledge, and Cocoa Beach with condo insurance solutions. It handles policies that protect individual units within multi-unit buildings, covering interior structures, personal belongings, and liability. The company also assists clients in understanding master policy gaps to avoid underinsurance. For typical jobs, the agent evaluates the client’s specific building association requirements and unit value to match appropriate coverage limits.
Patriot Growth Insurance Service, LLC offers a range of condo insurance services for property owners in Palm Bay, Florida. It assists clients in securing coverage tailored to individual condominium units and association needs. The agency provides guidance on policy details and helps manage ongoing maintenance requirements for insured properties. It supports policyholders through the process of protecting their investments. The company services single-family homes, apartments, retail spaces, and restaurants throughout the local area.
Whether you need a one-time policy review or recurring coverage updates, a condo insurance agent in Palm Bay, Florida helps protect your unit from perils like fire, theft, and water damage. Joe Raley - State Farm Insurance Agent can advise on loss assessment protection and personal liability coverage as standard components. This agent may also explain how a master condo policy interacts with individual contents coverage. Service arrangements typically run on a one-time, scheduled, or as-needed basis.
Weston Johnson - State Farm Insurance Agent provides specialized condo insurance services in Palm Bay, FL, focusing on policies that protect individual units and shared common areas. The agency works with homeowners to find appropriate coverage for personal property, liability, and additional assessments from the condo association. It also offers assistance with auto, renters, and life insurance products to ensure broader protection. Before Florida’s annual hurricane season begins, the agent helps clients review their policies for adequate windstorm and flood coverage.
As hurricane season approaches in Palm Bay, many condo owners begin checking their insurance coverage for wind and flood protection. Sarpoolaki Insurance Center, LLC offers dedicated condo insurance agent services to help unit owners navigate these specific local requirements. They work with clients to assess personal property limits and understand how master policies interact with individual needs. For accurate policy recommendations, they begin by scheduling a detailed initial assessment of the unit's current coverage gaps and risk factors.
GreatFlorida Insurance Sabrina Lee provides insurance services from its Palm Bay location, assisting clients with standard condo policies. The agency specializes in adding important coverage options such as flood insurance and loss assessment protection. Its professionals help owners understand policy details tailored to condominium association requirements. Commercial sectors served by the agency include offices requiring liability protection, warehouses needing property coverage, and food service establishments seeking comprehensive insurance for their operations.
Brightway Insurance, The DeJesus Legacy Agency, based in Palm Bay, FL, is known for connecting condo owners with tailored coverage solutions. The agency assists clients in protecting their units and personal assets against common regional risks such as storms and liability claims. Policies can be structured to meet individual needs and association requirements. The firm also offers inventory documentation services to help policyholders track their belongings more precisely for claims processing.
Monty McCart: Allstate Insurance provides residential condo insurance services in the Palm Bay area, covering individual unit policies for homeowners and tenants. The agency also offers commercial coverage for condominium associations and property management needs throughout the local region. Their work includes helping clients understand policy details for shared buildings and common areas. Clients are encouraged to follow up between regular visits for policy reviews or coverage adjustments after life changes such as renovations or new acquisitions.
What Does a a Condo Insurance Agent in Palm Bay Cost?
The average cost for a condo insurance policy in Florida ranges from 400 to 1,200 per year depending on the unit value deductible and location in Palm Bay. Older buildings or those in flood zones may cost more. Loss assessment coverage and windstorm deductibles are common add-ons that increase the premium. This is general information and not insurance advice.
About condo insurance agents in Palm Bay
Condo insurance agents in Palm Bay help owners understand the unique coverage needs for Florida condominiums. Under Florida Statute 718.111, the association master policy covers the building structure, so your individual policy must protect your interior fixtures and personal liability. A local agent can explain how the 2023 Florida condo safety law affects your insurance requirements.
Frequently Asked Questions
What does a condo insurance agent in Palm Bay do?
A condo insurance agent helps you find a policy that covers your personal belongings interior walls and liability. They explain how the association master policy interacts with your individual HO6 policy. They also help you meet Florida mortgage requirements for condo insurance.
Do I need condo insurance if the association has a master policy?
Yes. The master policy typically covers the building structure and common areas. Your personal policy covers your interior finishes cabinets flooring and personal property. Florida law does not require individual condo insurance but most lenders do require it.
How does Florida law affect condo insurance coverage?
Florida Statute 718.111 requires associations to maintain property insurance on the building. Your individual policy should include loss assessment coverage for special assessments from the association. After the 2021 Surfside collapse Florida also requires more frequent structural inspections which can affect insurance rates.
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