Financial & Insurance Services
151 Mary Esther Blvd, Ste 407, Mary Esther, FL 32569
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Mary Esther households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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151 Mary Esther Blvd, Ste 407, Mary Esther, FL 32569
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315 E Hollywood Blvd, Ste 4A, Mary Esther, FL 32569
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Learn about insurance coverage options specific to Mary Esther residents.
Mary Esther home insurance averages $1,406/year in Okaloosa County. Learn about required flood coverage, hurricane protection, and coastal insurance rates.
Car InsuranceMary Esther drivers need $10K PIP + property damage coverage. Learn Florida's no-fault system, military exemptions, and why rates dropped 20% in 2026.
Complete insurance guide for Mary Esther, Florida residents. Learn about FL no-fault auto, hurricane coverage, military discounts, and coastal homeowners insurance.
Yes, your standard Florida homeowners policy includes hurricane coverage for wind damage to your home. However, it does not cover flooding from storm surge or heavy rainfall—you need a separate flood insurance policy for that. Your hurricane coverage also comes with a separate, higher deductible, typically calculated as a percentage of your home's insured value rather than a flat dollar amount.
Flood insurance is required if you have a federally backed mortgage and your home is in a high-risk FEMA flood zone (zones beginning with A or V). Additionally, as of 2025, Citizens Property Insurance policyholders with homes valued at $500,000 or more must carry flood insurance regardless of flood zone. This requirement expands to all Citizens wind policies by 2027.
The average home insurance premium in Okaloosa County is approximately $1,406 per year, well below Florida's state average of $7,554. However, your actual cost depends on your proximity to Santa Rosa Sound, your home's age and construction, your flood zone, and coverage limits. Coastal properties near the water can pay significantly more than inland homes.
Windstorm coverage, included in your homeowners policy, protects against damage from hurricane-force winds—like a tree falling on your roof or wind tearing off your shingles. Flood coverage, which requires a separate policy, covers water damage from storm surge, heavy rainfall, or overflowing waterways. You need both to be fully protected from hurricanes in a coastal community.
Yes, several discounts are available for coastal homeowners. A newer roof with impact-resistant materials can save you 20% or more. Hurricane shutters, impact-resistant windows, and wind mitigation features all qualify for premium reductions. Getting a wind mitigation inspection can identify additional credits based on your home's construction features, potentially saving you hundreds of dollars annually.
Citizens Property Insurance is Florida's state-backed insurer of last resort for homeowners who can't find coverage in the private market. Coastal Mary Esther homeowners in high-risk areas sometimes need Citizens when standard carriers won't offer policies. While Citizens policies can be more expensive with less comprehensive coverage, they ensure you can get insurance when private insurers decline to cover your property.
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