Business Details
22 Years
experience
Emergency
services
Your Trusted Insurance Partner in Melbourne, FL
Better Insurance Group has been a trusted insurance provider since 2004, serving Brevard County and all of Florida. Our team of professionals brings over 50 years of combined experience in the insurance industry, offering personalized service that treats clients like family. We specialize in evaluating coverage options and comparing premium costs from multiple carriers to find the best prices on quality insurance policies. Our commitment to education ensures clients understand their policies, from dwelling coverage details to the importance of scheduled jewelry coverage. We provide fast, reliable customer care while maintaining a deep understanding of local market needs. Our agents stay updated on the latest industry information to deliver comprehensive knowledge across all lines of insurance.Founded in 2004 by Elisa S. Wagers, our agency began as a one-person operation and has grown into a team-focused practice where clients receive personalized service with a smile. We emphasize proper insurance preparation, including home inventory documentation and understanding co-insurance requirements. Our expertise extends to specialized coverages like classic auto insurance and flood policies, addressing unique coastal risk factors. We maintain strong relationships with multiple carriers to create tailored insurance packages for both personal and business clients.
Services
Auto Insurance
Homeowners Insurance
Life Insurance
Business Insurance
Umbrella Policies
Classic Auto Insurance
Flood Insurance
Workers Compensation
Renters Insurance
Cyber Liability
Details
- Year established: 2004
Highlights and features
- We offer 50+ years of combined insurance industry experience
- Our team provides personalized policy evaluations with multiple carrier comparisons
- We specialize in coastal property insurance risk management
- Our agents maintain continuous industry education for updated coverage knowledge
- We guarantee client-focused service treating every customer like family
What people say
Trusted service
Knowledgeable agents
Personalized approach
Competitive pricing
Quick claims process
Services
Homeowners Insurance
Protects residential properties against damage from fire, storms, theft, and liability claims. Our policies address replacement cost vs actual cash value considerations while meeting coastal risk requirements. We help clients determine appropriate dwelling coverage amounts and schedule valuable items for full protection.
Auto Insurance
Provides coverage for personal and business vehicles including standard auto policies and specialized classic car insurance. Our agents compare multiple carriers to find competitive rates while ensuring adequate liability limits and understanding policyholders' specific driving needs.
Business Insurance
Offers tailored protection for small to medium businesses through business owners policies and commercial insurance packages. We address property damage risks, liability concerns, and workers compensation requirements while creating customized solutions that match each company's unique operational needs.
Umbrella Policies
Provides additional liability coverage beyond standard policy limits for homeowners, auto owners, and business operators. Our umbrella policies protect against catastrophic losses and lawsuits, offering supplemental coverage for bodily injuries, property damage, and certain legal claims.
Life Insurance
Offers financial protection for families through term and permanent life insurance policies. We help clients select appropriate coverage amounts to ensure their loved ones' financial stability while explaining policy features and benefits in clear, understandable terms.
People
Elisa S. Wagers
Founder
With over 30 years in the insurance industry since starting at State Farm in 1991, Elisa established Better Insurance Group in 2004. She leads our team in providing personalized service while maintaining deep knowledge of Florida's unique insurance requirements.
Questions
How do I determine proper contents coverage?
Conduct a home inventory walkthrough, document all belongings with photos and receipts, and consider replacement costs for all items in your home.
What's the difference between RC and ACV coverage?
Replacement Cost (RC) covers full replacement value while Actual Cash Value (ACV) subtracts depreciation. We recommend RC coverage for better protection.
Why did my premium increase without claims?
Insurance rates consider overall risk factors including neighborhood claims history, construction costs, and carrier rating methodologies.
Is jewelry covered under standard policies?
Standard policies offer limited jewelry coverage. We recommend scheduling valuable items separately for full replacement protection.
How does coastal location affect insurance costs?
Beachside properties have higher wind exposure risks, which impacts premiums even though flood coverage requires a separate policy.
What liability coverage limits should I carry?
We recommend the highest available limits and consider umbrella policies for additional protection against potential lawsuits.
