Allen-Duncan Agencies, Inc.
490 Garden St, Ste B, Titusville, FL 32796
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490 Garden St, Ste B, Titusville, FL 32796
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1003 S Washington Ave, Titusville, FL 32780
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416 Cheney Hwy, Ste A, Titusville, FL 32780
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416 Cheney Hwy, Ste. A, Titusville, FL 32780
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Learn about insurance coverage options specific to Titusville residents.
Complete Titusville insurance guide covering auto, home, and flood coverage on the Space Coast. Learn requirements, costs, and local risks in Brevard County.
Home InsuranceTitusville home insurance costs $4,000-$6,000/year. Learn about hurricane deductibles, flood zones near Indian River, and discounts for Space Coast homes.
Car InsuranceTitusville auto insurance averages $154/month. Florida ends no-fault July 2026—new 25/50/10 minimums. High I-95 accident rates demand better coverage.
Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). However, these minimums often aren't enough to cover serious accidents. With nearly one in six Florida drivers being uninsured, experts recommend adding uninsured motorist coverage and higher liability limits to adequately protect yourself on Brevard County roads.
No, standard homeowners insurance policies do not cover flood damage from any source, including hurricanes, heavy rain, or storm surge. You need a separate flood insurance policy through the National Flood Insurance Program or a private carrier. Given Titusville's coastal location on the Space Coast, flood insurance is essential protection that only 20% of Florida homeowners currently carry.
Homeowners insurance in Titusville typically costs between $3,944 annually for a $150,000 home and $10,251 for a $450,000 property. Florida's average is $4,419 per year, well above the national average, though rates are expected to decrease in 2025 as the insurance market stabilizes. Your actual cost depends on your home's value, age, construction type, and proximity to the coast.
Titusville maintains a FEMA Class 7 Community Rating, which qualifies residents for a 15% discount on National Flood Insurance Program premiums. Titusville is one of only a few communities in Brevard County to achieve this rating level. This discount applies to all NFIP policies in Titusville, making flood insurance more affordable for homeowners and renters.
Florida's $10,000 minimums for PIP and property damage rarely cover the full cost of serious accidents. Medical bills can easily exceed $10,000, and newer vehicles cost far more than $10,000 to replace. Additionally, with over 101,000 potentially uninsured vehicles in Brevard County alone, carrying uninsured motorist coverage protects you when drivers without insurance cause accidents. Many residents also add bodily injury liability to protect their assets if they're sued.
Yes, flood insurance is still recommended even outside mapped flood zones. Properties outside special flood hazard areas in Titusville qualify for low-cost Preferred Risk Policies. Heavy rainfall can overwhelm drainage systems anywhere in town, and predictive analysis shows more than 200,000 properties in the Space Coast area could face flood risk within 30 years due to rising sea levels. Flood insurance has a 30-day waiting period, so you can't buy it when a storm is approaching.
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