Homeowners Insurance in Stuart, FL | Local, Independent Insurance Advisors.
Your Trusted Independent Insurance Agency on the Treasure Coast
Local, family‑run insurance advisors serving homeowners across Florida, with roots on the Treasure Coast.
We’re an independent, family‑owned agency that treats you like one of our own. By learning about your home, needs and goals, we recommend the right homeowners policy for peace of mind. Serving Stuart, Martin County and clients statewide, our simple process and honest advice focus on earning your trust, then your business.
Frequently Asked Questions
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No. Florida law does not force homeowners to carry insurance. However, if you have a mortgage, your lender will usually require you to insure the home. Even when it is not required, protecting your house and belongings is a smart move.
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A standard homeowners policy does not cover flood damage. Coverage for rising water must be purchased separately, either through the National Flood Insurance Program or a private carrier. Florida’s insurance regulator notes that flood insurance is “not typically provided in a homeowner’s policy, so it must be purchased separately”.
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Most Florida homeowners policies include a separate hurricane deductible that applies only when damage is caused by a named hurricane. Instead of a flat dollar amount, this deductible is often a percentage of your dwelling or contents coverage. It is triggered during a specific period (from the issuance of a hurricane watch or warning until 72 hours after it ends). Once you satisfy the hurricane deductible for one storm, any additional hurricane losses in the same year are subject to your standard “all other perils” deductible.
Looking for more details? Explore our Florida homeowners insurance options.
Insurance We Offer
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![Homeowners insurance for Stuart, Port St. Lucie and the Treasure Coast – Manchester Insurance]()
Homeowners Insurance – Treasure Coast & All of Florida
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![High-value home insurance for luxury homes in the Treasure Coast and throughout Florida – Manchester Insurance]()
High-Value Home Insurance – Treasure Coast & Florida
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![Auto and car insurance in Stuart and Port St. Lucie, Florida – get a fast quote from Manchester Insurance]()
Auto & Car Insurance – Treasure Coast & Statewide
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![Condo insurance for Stuart and Port St. Lucie condominiums – Manchester Insurance]()
Condo Insurance – Treasure Coast & Florida
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![Flood insurance for homes in Stuart, Port St. Lucie and Martin County – Manchester Insurance]()
Flood Insurance – Treasure Coast, Martin & St. Lucie Counties
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![Commercial and business insurance in Stuart and the Treasure Coast – Manchester Insurance]()
Commercial & Business Insurance – Treasure Coast & Florida
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![Builder’s risk insurance for new construction and renovations in the Treasure Coast and statewide – Manchester Insurance]()
Builder’s Risk Insurance – Treasure Coast & Statewide
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![Classic and collector car insurance for vintage and exotic vehicles – Treasure Coast and all of Florida – Manchester Insurance]()
Classic & Collector Car Insurance – Treasure Coast & Florida
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![Personal umbrella insurance providing extra liability protection – available statewide from Manchester Insurance]()
Personal Umbrella Insurance – Extra Liability Protection Statewide
Get Your Quote
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Get Your Quote →
Every decision made at Manchester Insurance is centered around people.
We believe in personally addressing calls, anticipating questions, and ensuring the security of you, your loved ones, and your future.
As you navigate through life's successes, your insurance must adapt accordingly. Safeguard your financial stability with our comprehensive insurance options.
Homeowners Insurance, automobile, umbrella, and flood policies form the foundation of our insurance offerings. What could be more crucial than ensuring your home is adequately insured and having liability protection to safeguard your assets?
Our coverages cater to your passions and recreational pursuits. As you achieve milestones, accumulate new interests, and create memories, we're here to ensure they bring joy, not stress.
Are you confident that your insurance policies prioritize your best interests?
Talk to a personal insurance advisor. Call us at 772-530-5305, or complete the form below.
The Process
Step 1
Complete the form through the Get Quote button. Give us the basics, name, phone, etc.
Step 2
We do the shopping, you do the saving. With our relationships in the industry, we can often find a better value for your insurance dollar.
Step 3
We give you a choice. Our goal is to offer the best option available, every time. We're with you every step—your data is secure, and quotes are obligation-free.
Our mission at Manchester is to deliver the right policy in a way that exceeds expectations. That is our business.
We are a purpose-driven agency and exist to deliver honest advice, and simplicity and will offer the best option available, every time. We promise great service with a clear focus on our clients.
Our approach is simple: we aim to gain your trust first, then your business. We believe clients should have access to the best options before making a decision.
We are committed to making a positive impact within our community through Elev8Hope in Martin County. Whose primary focus is on assisting individuals and families who require vital daily essentials to thrive.
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