Business Details
16 Years
experience
Your Trusted Insurance Partner in St. Petersburg, FL
Founded in 2010, Melissa Ems Insurance Agency has built its reputation on personalized service and community trust. As a third-generation insurance professional, Melissa combines decades of family expertise with a client-first approach. Our team prioritizes understanding individual needs to craft tailored insurance solutions for personal and commercial clients. We operate with integrity, focusing on honest advice and comprehensive coverage across vehicle, property, life, health, and specialty policies. With deep roots in St. Petersburg, Florida, we serve clients in eight states while maintaining a local, family-oriented ethos.Our independent agency model allows us to compare multiple providers, ensuring competitive rates without compromising protection. Recognized as 'Best of the Best' by Tampa Bay Times, we emphasize transparency, clear communication, and lifelong client relationships. From policy setup to claims support, our process prioritizes ease and reliability. We measure success through client satisfaction, not corporate metrics, treating every customer as part of our extended family. This philosophy has sustained our agency through over a decade of service, guided by the principle that 'it's about need, not greed.'
Services
Vehicle Insurance
Property Insurance
Business Insurance
Life Insurance
Health Insurance
Toys Insurance
Equine Insurance
Aviation Insurance
House Lifting Coverage
Umbrella Policies
Details
- Year established: 2010
Highlights and features
- Third-generation Florida-based insurance expertise since 2010
- Independent agency compares multiple providers for best rates
- Specialized coverage for vehicles, properties, businesses, and unique assets
- Personalized service treating clients as family, not policy numbers
- Award-winning customer support with 4.6-star client satisfaction rating
What people say
Professional yet fun
Saved $205 monthly
Treated like family
Quick response time
Complete trust
Services
Vehicle Insurance
Protect your two- or four-wheeled vehicles with customized policies that balance comprehensive protection and affordability. Our independent agency compares multiple providers to find optimal coverage for cars, motorcycles, and specialty vehicles while maintaining personalized service and local expertise.
Property Insurance
Secure your home and possessions with tailored property insurance solutions. We offer specialized coverage for standard residences and unique properties, including house lifting insurance for structural relocation projects. Our agents help clients understand policy details and select appropriate protection levels based on individual risk profiles.
Business Insurance
Safeguard your business investments with comprehensive commercial insurance packages. We provide liability protection, property coverage, and industry-specific policies for diverse business types. Our team helps entrepreneurs understand policy components and create bundled solutions that protect both business assets and personal investments.
Life Insurance
Ensure your loved ones' financial future with customized life insurance solutions. We offer term and permanent policies from multiple providers, helping clients understand policy features and select appropriate coverage amounts based on individual circumstances and long-term financial goals.
Umbrella Policies
Extend liability coverage beyond standard policy limits with umbrella insurance solutions. We help clients assess risk exposure and implement additional protection layers for personal and business assets. Our agents explain policy terms and coordinate coverage with existing insurance policies for comprehensive protection.
People
Melissa Ems
Owner, Advisor
Third-generation insurance professional with over a decade of agency experience. Combines family legacy in insurance with modern client-focused approach. Prioritizes honest advice and personalized solutions while maintaining deep community ties in St. Petersburg.
Jeff Smith
Advisor
Experienced insurance advisor providing personalized coverage solutions. Works closely with clients to understand unique protection needs while leveraging agency resources for competitive pricing and comprehensive coverage options.
Diane Lenox
Office Manager, Advisor
Manages daily operations while offering insurance guidance. Balances administrative expertise with client service experience to ensure smooth policy implementation and ongoing support for agency clients.
Leah Lindell
Customer Concierge
Client-focused support specialist handling policy inquiries and service requests. Provides timely assistance while maintaining personalized approach to insurance management and client education.
Jerome Labastida
Customer Concierge
Dedicated client service representative supporting policyholders through various stages of insurance management. Focuses on clear communication and problem resolution while maintaining the agency's service standards.
Questions
Are you related to Joe & Dee Ems?
Yes, Melissa is their daughter with over a decade of insurance experience.
What is a 4 point inspection?
Required for homes over 30 years, covering roof, electrical, HVAC, and plumbing conditions.
Do you offer wind mitigation discounts?
While not required, we recommend these reports to identify potential roof-related discounts.
Can car color affect insurance rates?
No, vehicle color doesn't impact insurance pricing at our agency.
What is a declarations page?
Official policy document listing coverage details, different from standard ID cards.
How do you handle policy transfers?
We explain Florida-specific options and manage transitions without coverage gaps.
