All Brevard Insurance
1751 Sarno Rd, STE 5, Melbourne, FL 32935
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Melbourne households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1751 Sarno Rd, STE 5, Melbourne, FL 32935
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1600 Sarno Road, Suite 15, Melbourne, FL 32935
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1580 N Harbor City Blvd, Melbourne, FL 32935
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1616 Tangerine St, Melbourne, FL 32951
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8530 N Wickham Rd Ste 112 PMB 2003, Melbourne, FL 32940
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1900 S Harbor City Blvd, Ste 328, Melbourne, FL 32901
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1865 N Wickham Rd, Ste B, Melbourne, FL 32935
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690 W Eau Gallie Blvd, Melbourne, FL 32935
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474 N Harbor City Blvd, Suite 4, Melbourne, FL 32935
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300 W New Haven Ave, Melbourne, FL 32901
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Learn about insurance coverage options specific to Melbourne residents.
Melbourne homeowners pay $5,317/year average. Beachside costs 2x mainland rates. Wind mitigation saves 25-40%. Learn flood requirements and roof age rules.
Home InsuranceMelbourne home insurance averages $3,500-$5,500/year. Learn about hurricane deductibles, flood zones, barrier island vs mainland rates, and wind mitigation discounts.
Car InsuranceMelbourne drivers pay $2,327/year average for auto insurance. Learn about Florida's no-fault PIP, uninsured motorist risks, hurricane coverage & local rates.
Car InsuranceMelbourne drivers pay $152-194/month for car insurance—lower than FL's average. Learn Space Coast factors, telematics savings, and how to find the best rates.
General Insurance EducationComplete Melbourne insurance guide for Space Coast residents. Learn Florida's PIP requirements, hurricane prep, flood zones, and Citizens Insurance changes for 2025.
Business InsuranceMelbourne business insurance for aerospace contractors, defense companies, and tech firms. Workers' comp, cyber liability, and specialized coverage for Space Coast businesses.
Barrier island properties face approximately double the insurance costs of mainland homes due to increased hurricane wind exposure, mandatory flood insurance requirements in FEMA zones AE and VE, and higher risk of storm surge damage. Coastal homes average $9,270 annually while mainland properties typically cost $4,000-$5,000 per year. Insurance companies view oceanfront and lagoon-side properties as significantly higher risk, and many carriers have stopped writing new policies on the barrier islands entirely.
Wind mitigation inspections typically save Melbourne homeowners 25-40% on their hurricane wind coverage, with some features qualifying for discounts up to 88% on the wind portion of your premium. The inspection costs $75-$150 and takes about an hour, with most homeowners recovering the cost through first-year savings. Features like hip roofs, hurricane shutters, impact-resistant windows, and proper roof-to-wall connections all qualify for Florida-mandated discounts that continue year after year.
If you're in FEMA flood zone X on the mainland, flood insurance is optional unless you have a Citizens policy worth over $600,000. However, purchasing coverage is still smart since policies cost only $400-$800 annually for low-risk zones and tropical systems can dump heavy rainfall miles from the coast. Barrier island properties in zones AE and VE will be required by mortgage lenders to carry flood coverage, as regular homeowners insurance never covers flood damage.
Most insurance carriers in Florida won't write new policies for roofs older than 15 years, with some drawing the line at 10 years. Roofs over 20 years old make it nearly impossible to find coverage without a full replacement. If you're buying a home, get the roof age in writing before making an offer—a roof just a few years too old could require a $15,000-$25,000 replacement just to qualify for insurance.
Absolutely. Bundling home and auto insurance with the same carrier typically saves 15-25% on both policies, which can mean $1,000+ in annual savings on a typical Melbourne policy. Beyond the discount, bundling makes you a more attractive customer—carriers are more willing to write home policies for customers who also insure their vehicles with them, which can be the difference between getting approved or rejected, especially for coastal properties or older homes.
Melbourne homeowners pay an average of $5,317 annually (about $443/month) for a policy with $300,000 dwelling coverage, $100,000 liability, and a $1,000 deductible. This is significantly lower than Florida's statewide average of $8,770 because most of Melbourne sits inland from direct ocean exposure. Actual costs vary widely based on your specific location (mainland vs. barrier island), roof age, coverage limits, and whether you've completed wind mitigation improvements.
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