The top-rated umbrella insurance agent in Melbourne, Florida is Erb and Young Insurance, rated 4.9 stars across 1,037 reviews. Other highly rated options include Williams & Stazzone Insurance Agency, Inc., Better Insurance Group, Kim Osman Insurance Group, Inc.. This directory lists 28 umbrella insurance agents serving Melbourne.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Erb and Young Insurance | 6550 N Wickham Rd STE 9 | (321) 254-0095 |
| 2 | Williams & Stazzone Insurance Agency, Inc. | 6549 N Wickham Rd STE 101 | (800) 868-1235 |
| 3 | Better Insurance Group | 1580 N Harbor City Blvd | (321) 724-2100 |
| 4 | Kim Osman Insurance Group, Inc. | 474 N Harbor City Blvd | (321) 242-2311 |
| 5 | 321 Insurance Advisors | 7025 N Wickham Rd #110 | (321) 309-0900 |
| 6 | Space Coast Insurance Agency, LLC | 6450 Anderson Way | (321) 799-2929 |
| 7 | GreatFlorida Insurance: Cheryl Miller | 1678 W Hibiscus Blvd #103 | (321) 253-8531 |
| 8 | The Insurance Center of Central Florida, Inc. | 3760 Eau Gallie Blvd #104 | (321) 255-0986 |
| 9 | GreatFlorida Insurance: Sara LaManna | 1571 Aurora Rd | (321) 241-4881 |
| 10 | OneGroup | 3965 W Eau Gallie Blvd | (321) 253-9000 |
Erb and Young Insurance serves the Melbourne, Florida metro area as a local umbrella insurance agent. The firm assists clients in securing additional liability coverage that extends beyond the limits of standard homeowners and auto policies. This type of insurance helps protect personal assets and future earnings against major claims or lawsuits. A knowledgeable agent can evaluate individual risk profiles to recommend appropriate policy limits. Specific services include evaluating coverage gaps in existing personal insurance policies. It also helps policyholders select umbrella policies that coordinate with primary liability coverage.
Williams & Stazzone Insurance Agency, Inc. in Melbourne, FL offers a range of umbrella insurance services designed to extend liability coverage beyond standard policies. They provide service plans that help clients secure additional protection for their assets against major claims and lawsuits. The agency works with policyholders to assess coverage needs and adjust plans as circumstances change. Their services support single-family homes, apartments, retail spaces, and restaurants seeking broader liability safeguards.
Better Insurance Group offers both one-time policy review and ongoing coverage management for umbrella insurance in Melbourne, FL. Umbrella insurance extends additional liability protection beyond standard home and auto policies, helping to secure assets against major claims. Clients receive coverage consultation tailored to their personal risk exposure. Service runs on a scheduled basis, typically renewed annually to adjust for changes in liability limits or asset growth.
Kim Osman Insurance Group, Inc. in Melbourne, FL serves homeowners, businesses, and property managers who require protection beyond standard policy limits. The company provides umbrella insurance agent services to secure extra liability coverage for clients, safeguarding assets against large claims or lawsuits. This agency assists customers in understanding how an umbrella policy can shield savings and future income from unforeseen events. Its coverage area extends to the greater Brevard County metro, including neighboring communities such as Palm Bay.
Serving Melbourne and the surrounding Brevard County communities, 321 Insurance Advisors handles umbrella insurance policies for local residents and businesses. These policies provide added liability coverage beyond standard home and auto limits, protecting assets from major claims or lawsuits. The company assesses each client’s current insurance portfolio to identify gaps in coverage. It then recommends a policy limit that suits the individual’s personal or commercial exposure. To complete a typical job, the agency reviews existing coverage details and presents a tailored option that extends protection for unforeseen liability events.
Space Coast Insurance Agency, LLC in Melbourne, FL specializes in umbrella insurance brokerage, providing supplemental liability coverage that extends beyond standard policies. The agency also assists clients with general insurance inquiries, helping them assess their overall risk exposure and fill coverage gaps. During the Atlantic hurricane season, it helps coastal homeowners review their liability limits to ensure adequate protection against storm-related lawsuits.
As hurricane season approaches in Melbourne, property owners often review their liability coverage to protect against storm-related claims and accidents on their land. GreatFlorida Insurance: Cheryl Miller serves as an umbrella insurance agent, providing additional layers of liability protection beyond standard policies. This extra coverage can safeguard savings and future earnings from large claims or lawsuits. The agent begins with a complimentary review of existing policies to identify coverage gaps and assess individual needs, scheduling an in-person consultation to evaluate each property.
The Insurance Center of Central Florida, Inc. provides local insurance services in Melbourne, Florida, with a specialty in umbrella insurance policies. This coverage offers an extra layer of liability protection above standard homeowners and auto policies. Umbrella insurance is important for individuals seeking enhanced financial safeguards against major claims or lawsuits. The agency can assist commercial sectors such as offices, warehouses, and food service operations in evaluating their unique liability needs and securing appropriate umbrella limits.
GreatFlorida Insurance: Sara LaManna provides residential umbrella insurance policies to homeowners in Melbourne, Florida. Coverage extends to commercial needs for local business operations, serving clients throughout the greater Brevard County area. An umbrella policy adds an extra layer of liability protection above standard home or auto coverage, safeguarding personal assets against major claims. The agency assists with coverage adjustments as property values or business assets change, encouraging clients to revisit their policy during regular home or auto insurance reviews.
OneGroup, an umbrella insurance agent in Melbourne, FL, is known for providing extra liability coverage that extends beyond standard home, auto, or watercraft policies. Its range of services helps protect clients from major claims and lawsuits that could otherwise exhaust primary policy limits. The firm works with drivers, homeowners, and rental property owners seeking higher liability ceilings. A specialty add-on it can offer is coverage for incidents involving personal watercraft, ensuring broader protection for waterfront lifestyle risks.
What Does an a Umbrella Insurance Agent in Melbourne Cost?
The cost of umbrella insurance in Florida typically ranges from 150 to 350 dollars per year for 1 million dollars of coverage. Premiums increase for higher limits or if you have multiple properties or vehicles. Factors like your driving record and claims history also affect the price. This is general information and not insurance advice.
About umbrella insurance agents in Melbourne
Umbrella insurance agents in Melbourne Florida help clients secure extra liability coverage beyond standard auto and homeowners policies. Florida law does not require umbrella insurance but it can protect assets from large claims or lawsuits common in the state. Agents in Brevard County understand local risks such as hurricane damage and high traffic areas.
Frequently Asked Questions
What does an umbrella insurance agent in Melbourne do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that extends coverage limits. They assess your assets and risk exposure to recommend appropriate coverage amounts. The agent also explains how the policy interacts with your existing home and auto insurance.
How much umbrella coverage do I need in Florida?
Most agents recommend at least 1 million dollars in umbrella coverage for Florida homeowners. Higher net worth individuals may need 2 million to 5 million dollars. Your agent will consider your home value, savings, and potential lawsuit risks from accidents on your property.
Does umbrella insurance cover hurricane damage in Florida?
No, umbrella insurance does not cover property damage from hurricanes. It provides liability coverage for injuries or property damage you cause to others. Separate flood and windstorm policies are needed for hurricane damage in Florida.
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