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Compare umbrella insurance agents in Merritt Island. Review contact information and insurance categorys before you decide.
9 agents listed
Updated May 2026
Merritt Island, 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 9 umbrella insurance agents in Merritt Island, 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.
A-AARROW Insurance
105 N Courtenay Pkwy, Merritt Island, FL 32952
(321) 459-2434
aarrowinsurance.com
Turner Florida Insurance
232 S Courtenay Pkwy, Merritt Island, FL 32952
(321) 252-1720
turnerfloridains.com
Acceptance Insurance
235 Crockett Blvd, Merritt Island, FL 32953
(321) 337-7585
locations.acceptance.com
Jim Holder - State Farm Insurance Agent
125 E Merritt Island Cswy Ste 102, Merritt Island, FL 32952
(321) 452-8000
calljimholder.com
First Florida Insurance of Merritt Island
2460 N Courtenay Pkwy #115, Merritt Island, FL 32953
(321) 205-1741
ffimi.com
Rutledge Insurance Group
2235 N Courtenay Pkwy F, Merritt Island, FL 32953
(321) 441-4805
rutledgeinsgroup.com
Brevard Coastal Insurance
125 E Merritt Island Cswy Suite 105, Merritt Island, FL 32952
(321) 452-8888
brevardcoastal.com
GreatFlorida Insurance: Cheryl Miller
923 N Courtenay Pkwy STE 101, Merritt Island, FL 32953
(321) 723-3432
merrittisland.greatflorida.com
Fetters Insurance: Terrero John
105 N Courtenay Pkwy, Merritt Island, FL 32953
(321) 459-2434
Umbrella insurance agents in Merritt Island Florida help residents secure extra liability coverage beyond standard home and auto policies. Florida law requires minimum auto liability limits of 10,000 dollars for property damage and 10,000 dollars per person for bodily injury, making umbrella policies important for asset protection. Local agents can tailor policies to cover risks common in coastal communities like boat ownership or pool liability.
What Does a Umbrella Insurance Agent in Merritt Island Cost?
Umbrella insurance costs in Florida typically range from 150 to 300 dollars per year for one million dollars in coverage. Rates may be higher for properties with pools, trampolines, or watercraft. Factors like your driving record, credit score, and number of properties also affect premiums. This is general information and 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 an umbrella insurance agent in Merritt Island do?
An umbrella insurance agent in Merritt Island helps you purchase a personal liability umbrella policy that provides coverage above your existing home and auto insurance. The agent assesses your assets and risk exposure to recommend an appropriate coverage limit. They also explain how Florida law affects policy terms, such as the statute of limitations for liability claims.
How much umbrella coverage do I need in Florida?
The amount of umbrella coverage you need depends on your net worth and potential liability risks. Many agents recommend at least one million dollars in coverage for homeowners with significant assets. Florida's high rate of personal injury lawsuits and hurricane-related claims makes higher limits advisable for many residents.
Can I get umbrella insurance if I have a pool or boat in Merritt Island?
Yes, umbrella insurance is especially useful for Merritt Island residents with pools or boats because these features increase liability risk. Most standard policies require underlying coverage of at least 300,000 dollars on your homeowners policy before adding an umbrella. An agent can help you meet these requirements and ensure your boat or pool is properly covered.
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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.