Business Details
50+ Years
experience
Your Trusted Insurance Partner in Melbourne, FL
Melbourne Insurance has been a trusted name in the insurance industry since 1925, dedicated to providing personalized service and tailored solutions for individuals and businesses. Our team prioritizes ethical conduct and works exclusively for our clients, advocating on their behalf during claims to ensure fair and prompt resolution. With access to a network of A-rated insurance carriers, we specialize in identifying coverage that aligns precisely with clients' needs, avoiding both over-insurance and under-insurance. Our approach combines decades of local market expertise with a commitment to understanding each client's unique risks and objectives.As a Florida-based independent agency, we offer comprehensive coverage options including homeowners, auto, business, and life insurance. Our professionals stay current with industry trends and regulatory changes to deliver robust protection against traditional and emerging risks. Through continuous policy reviews and proactive risk management strategies, we ensure our clients' coverage remains relevant and effective. Our dual perspective as both insurance providers and licensed adjustors enables us to navigate claims processes efficiently while maintaining transparency throughout all interactions.
Services
Homeowners Insurance
Auto Insurance
Business Insurance
Life Insurance
Insurance Consulting
Details
- Year established: 1925
Highlights and features
- We offer over 95 years of local insurance expertise since 1925
- Our team works exclusively for clients, not insurance companies
- We provide access to multiple A-rated insurance carriers
- Our coverage solutions prevent both over-insurance and under-insurance
- We advocate for clients during claims processes
Services
Homeowners Insurance
Our homeowners insurance policies protect against financial losses from disasters, covering dwelling structures, personal belongings, liability, and additional living expenses. We customize coverage to address local market risks while ensuring appropriate protection levels. Our agents help clients understand policy features and select appropriate limits to safeguard their most valuable asset.
Business Insurance
We provide comprehensive business insurance solutions including property, liability, workers compensation, and professional liability coverage. Our consultants help businesses identify risks and implement tailored protection strategies. We offer access to multiple carriers to ensure competitive pricing while maintaining focus on policy quality and appropriate risk transfer mechanisms.
Auto Insurance
Our auto insurance policies combine required liability coverage with optional protections like collision, comprehensive, and rental car coverage. We help clients evaluate their driving habits and vehicle usage to determine appropriate coverage levels. As an independent agency, we compare multiple carriers to find policies that balance protection needs with budgetary considerations.
Life Insurance
We offer term and permanent life insurance solutions to protect dependents, cover final expenses, and facilitate estate planning. Our agents explain policy options and help determine appropriate coverage amounts based on individual circumstances. We work with multiple insurers to provide competitive rates while ensuring policy features align with clients' long-term financial objectives.
Insurance Consulting
Our consultative approach focuses on understanding clients' unique needs to develop comprehensive risk management strategies. We analyze existing coverage, identify protection gaps, and recommend customized solutions. Our expertise in commercial lines and personal insurance helps clients navigate complex policy terms while maintaining ongoing support through regular coverage reviews.
People
Jerry Woods
President and General Agent
Jerry Woods brings over 30 years of financial services experience to Melbourne Insurance. A graduate of Florida Atlantic University with a BS in business management, he also holds graduate degrees from Rutgers University and the Stonier School of Banking. His expertise spans insurance, real estate, and finance.
Michelle Woods
Administrator and CSR
Michelle Woods manages day-to-day operations as our customer service representative. She holds an AA degree from Maymount College and a BA degree from Florida Atlantic University, specializing in Personal Lines insurance administration.
Heather Woods
Insurance Sales Representative
Heather Woods is a licensed agent for Life, Health, and Variable Annuity insurance products in Florida and California. She holds a BA in Education from the University of South Florida and an MA in Education Technology from Pepperdine University.
Questions
What types of insurance does Melbourne Insurance offer?
We provide homeowners, auto, business, life insurance, and comprehensive risk management consulting services for both personal and commercial clients across Florida.
Why choose an independent insurance agency?
As an independent agency, we work directly for you rather than insurance companies, offering unbiased advice and access to multiple carriers to find the best coverage at competitive rates.
How does Melbourne Insurance handle claims?
We advocate for our clients throughout the claims process, using our expertise as licensed adjustors to ensure fair and prompt payment while providing expert service during loss events.
What areas do you serve?
We serve all of Florida including Melbourne, Viera, Indialantic Beach, Indian Harbour Beach, Palm Bay, Sebastian, Vero Beach, Fellsmere, and The Space Coast region.
What makes Melbourne Insurance different?
With over 95 years of local experience, we combine personalized service, ethical business practices, and access to multiple A-rated carriers to deliver tailored insurance solutions that meet specific client needs.
