A-Aarrow Insurance
105 N Courtenay Parkway, Merritt Island, FL 32953
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105 N Courtenay Parkway, Merritt Island, FL 32953
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2425 N Courtenay Pkwy, Merritt Island, FL 32953
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120 North Tropical Trail, Merritt Island, FL 32953
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128 East Merritt Island Causeway, Merritt Island, FL 32952
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1365 N Courtenay Parkway, Suite D, Merritt Island, FL 32953
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325 E Merritt Island Causeway, Ste G, Merritt Island, FL 32952
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325 E Merritt Island Cswy, Ste G, Merritt Island, FL 32952
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232 S Courtenay Pkwy, Merritt Island, FL 32952
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Learn about insurance coverage options specific to Merritt Island residents.
Merritt Island home insurance averages $4,449/year due to barrier island hurricane risks. Learn about flood coverage, wind mitigation savings, and unique Space Coast considerations.
Car InsuranceMerritt Island auto insurance explained: Florida's no-fault PIP requirements, SR-520 causeway risks, KSC federal zones, and how to save up to $971/year.
General Insurance EducationComplete insurance guide for Merritt Island, FL residents. Learn about home insurance costs ($4,449 avg), flood zone changes, auto rates, and Space Coast considerations.
If you have a mortgage and your home is in a FEMA-designated high-risk flood zone, your lender will require flood insurance. Even if you're not required to carry it, flood insurance is highly recommended for Merritt Island properties given the barrier island location between the Atlantic Ocean and Indian River Lagoon. Many areas are vulnerable to storm surge from both directions, and standard homeowners policies specifically exclude flood damage.
Wind mitigation upgrades can save you 10-45% on your homeowners insurance premiums depending on which features you have. The most impactful improvements include impact-resistant windows and doors, reinforced roof-to-wall attachments, newer roofs with proper deck attachment, and hurricane shutters. A wind mitigation inspection costs a few hundred dollars but typically pays for itself within the first year through premium savings.
Your homeowners policy covers wind damage from hurricanes—like roof damage, broken windows, or debris impact—but specifically excludes flooding. Flood damage from storm surge, heavy rain, or rising water requires separate flood insurance through NFIP or private insurers. During a hurricane, wind damage and flood damage often occur simultaneously, which is why you need both policies to be fully protected on Merritt Island.
Standard homeowners policies don't currently have specific exclusions for rocket launch-related damage, so vibration or debris damage would likely fall under standard coverage provisions. However, this is an evolving area as launch frequency increases—the Space Coast saw 93 launches in 2024 and projections suggest this could grow to hundreds per year. Local officials are actively studying structural impacts from launch vibrations, so check with your insurer about coverage specifics.
Merritt Island's barrier island location means significantly higher risk from hurricanes, with exposure to storm surge from both the Atlantic Ocean and Indian River Lagoon. Limited evacuation routes, low elevation in many areas, and direct exposure to hurricane-force winds without natural barriers all contribute to higher premiums. Brevard County has experienced 53 hurricanes historically, and proximity to the coast always increases insurance costs in Florida.
If your waterfront home is valued above $250,000 or you have high-value contents, excess flood insurance is worth considering since NFIP maxes out at $250,000 for the building and $100,000 for contents. For many Merritt Island waterfront properties worth $450,000 or more, NFIP limits leave a significant coverage gap. Private excess flood policies can fill this gap and are especially important in severe flood risk zones.
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