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Browse home insurance agents serving Melbourne Beach, Florida. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Melbourne Beach, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Florida before hiring.
Showing 2 home insurance agents in Melbourne Beach, FL
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Slaughter Insurance Agency
321 Ocean Ave #212, Melbourne Beach, FL 32951
(321) 473-8751
slaughterinsagency.com
Melbourne Beach Insurance Agency
430 Riverview Ln, Melbourne Beach, FL 32951
(321) 863-4015
melbournebeachinsurance.com
Home insurance agents in Melbourne Beach Florida help property owners find coverage that meets state requirements. Florida law mandates that insurers offer windstorm coverage in coastal areas like Melbourne Beach. Agents can explain the differences between named storm deductibles and standard hurricane deductibles required by Florida Statute 627.701.
What Does a Home Insurance Agent in Melbourne Beach Cost?
The average cost of home insurance in Florida is around $1,700 to $3,500 per year for a standard policy. In Melbourne Beach coastal surcharges can push premiums higher sometimes reaching $4,000 to $6,000 annually for older homes. Windstorm and flood coverage add extra costs. Actual rates depend on your homes age construction materials and claims history. This is general information not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a home insurance agent in Melbourne Beach do?
A home insurance agent helps you compare policies from different carriers. They explain Florida specific coverages like windstorm and flood insurance. They also assist with filing claims and understanding your policy terms.
Do I need flood insurance in Melbourne Beach Florida?
Flood insurance is not required by Florida law but is often required by mortgage lenders in flood zones. Melbourne Beach is a coastal community with high flood risk. Standard home policies do not cover flood damage so a separate policy from the NFIP or a private carrier is needed.
How does Florida windstorm insurance work in Melbourne Beach?
Florida law requires insurers to offer windstorm coverage in high risk areas like Melbourne Beach. This coverage is often provided through the Florida Windstorm Underwriting Association or private insurers. Deductibles for windstorm claims are usually a percentage of the home value not a flat dollar amount.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Florida.