LRA Insurance
317 Riveredge Blvd, Suite 210, Cocoa, FL 32922
View this agency's profile to learn more about their services.
Loading...
City directory
Cocoa households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
317 Riveredge Blvd, Suite 210, Cocoa, FL 32922
View this agency's profile to learn more about their services.
340 King St, Cocoa, FL 32922
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Cocoa residents.
Cocoa homeowners face unique hurricane and flood risks. Learn about coverage requirements, historic home insurance, and how 2026 rates are improving.
General Insurance EducationEssential insurance guide for Cocoa, Florida residents. Learn about flood insurance requirements, hurricane deductibles, and coverage for Indian River homes.
Car InsuranceCocoa, FL auto insurance guide: Florida's 2026 law changes, local rates, I-95 risks, and Space Coast factors. Get coverage that protects you.
Your standard homeowners policy typically covers wind damage from hurricanes, including damage to your roof, windows, and structure from high winds and wind-borne debris. However, it does not cover flooding from storm surge or heavy rains—you need a separate flood insurance policy through the National Flood Insurance Program for that coverage.
Flood insurance through the National Flood Insurance Program averages around $700 per year in the Cocoa area, though your specific rate depends on your property's flood zone and elevation. Brevard County participates in the Community Rating System, which provides automatic premium discounts based on your location's flood risk mitigation efforts.
Yes, historic homes in Cocoa Village may require specialized coverage to ensure your policy pays for match-grade materials required by the city's Historic Preservation Board. Standard policies might only cover modern replacement materials, leaving you to pay out of pocket for period-appropriate repairs. Ask about ordinance or law coverage and historic property endorsements when shopping for insurance.
Yes, many Florida homeowners will see rates level off or decrease in 2026 after years of sharp increases. The state's Office of Insurance Regulation received 73 filings for rate decreases and 94 for zero percent increases as of late 2025. Citizens Property Insurance is cutting rates by an average of 2.6% statewide, though coastal areas like Cocoa will still have higher premiums than inland communities.
Flood insurance policies typically have a 30-day waiting period before they take effect. This means you cannot purchase flood insurance once a storm is already approaching and expect immediate coverage—you need to buy it well in advance of hurricane season.
Florida law gives you two years from the date of loss to file a lawsuit for residential property damage. Document all damage with photos and videos, keep receipts for repairs, and maintain written records of all communications with your insurer. If your claim is denied or you receive a low settlement offer, consider consulting with a Florida property insurance attorney who specializes in homeowners claims.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network