Independent insurance agency · Stuart, FL
Insurance we offer in Florida
We're a local independent agency in Stuart with 40+ carrier appointments. Homeowners insurance is our main focus, and we also help with flood, auto, condo, umbrella, classic car, builder's risk and business insurance.
Below is everything we write, what each policy is for, and a link to learn more about each one.
Prefer to talk? Call 772-530-5305
- 40+ carrier appointments
- Independent and family-owned since 2017
- Local office in Stuart
Our main focus
Home and property insurance
Coverage for where you live, whether that's a single-family home, a waterfront property or a condo, plus master policies for condo associations.
Homeowners Insurance
Covers your house, your belongings and your liability if someone gets hurt on your property. In Florida, roof age, wind mitigation and the hurricane deductible have a big effect on your options and your price, so we walk you through each one.
A good fit if: you own a single-family home.
High-Value Home Insurance
For larger, custom and waterfront homes that need higher limits and broader coverage options than a standard policy is built for.
A good fit if: you own a larger home, a custom build or a waterfront property.
Condo Insurance
An HO-6 policy covers your unit's interior, your belongings and your personal liability. It's built around what your association's master policy does and does not cover.
A good fit if: you own a condo unit.
Condo Association Insurance
Master policies for condominium associations, covering the parts of the property the association is responsible for.
A good fit if: you serve on a condo board or manage a condo property.
Flood insurance
All of Florida is in a flood zone. The only difference is whether you're in a high flood zone or a low one.
Flood Insurance
Standard home and condo policies don't cover flood, so flood insurance is its own policy. It protects your home and belongings from rising water.
We offer flood coverage through the National Flood Insurance Program (NFIP) and private flood companies, and we'll help you compare the two.
A good fit if: you own a home or condo anywhere in Florida.
Car insurance
Coverage for the cars you drive every day and the ones you keep for weekends and car shows.
Auto Insurance
Covers damage to your car, injuries and your liability to other people after an accident. We write auto policies with liability limits of 100/300 or higher, so you have solid protection if you cause an accident.
A good fit if: you drive a car, truck or SUV.
Classic & Collector Car Insurance
Agreed value coverage for classic, antique and collector cars, written through Hagerty.
A good fit if: you own a collector car that isn't your daily driver.
Extra liability protection
For when the liability limits on your home and auto policies may not be enough.
Personal Umbrella Insurance
An umbrella policy adds liability protection on top of your home and auto policies. If a serious accident or lawsuit goes past the limits on those policies, the umbrella can pick up where they stop.
A good fit if: you have a home, savings or other assets you want to protect.
Business and construction insurance
Coverage for local businesses and for homes that are still being built or renovated.
Business Insurance
Every business has its own risks, from a storefront or office to a contractor's tools and trucks. We help local businesses with general liability, property, workers' comp and commercial auto coverage.
A good fit if: you own or run a storefront, office, contracting or service business.
Builder's Risk Insurance
Coverage for a home while it's under construction or going through a major renovation, before a regular homeowners policy takes over.
A good fit if: you're building a new home or have a big renovation underway.
Don't see what you need? We also write boat insurance. Call 772-530-5305 and we'll tell you whether we can help.
Quick guide
Not sure which coverage you need?
Start here. Everyone's situation is a little different, so we'll talk it through with you before you buy anything.
| If you | Start with |
|---|---|
| Own a house | Homeowners insurance and flood insurance |
| Own a larger or waterfront home | High-value home insurance and flood insurance |
| Own a condo unit | Condo (HO-6) insurance and flood insurance |
| Serve on a condo board | Condo association insurance |
| Are building or renovating a home | Builder's risk insurance |
| Drive a car, truck or SUV | Auto insurance |
| Own a classic or collector car | Classic car insurance |
| Want more liability protection | Umbrella insurance |
| Own or run a business | Business insurance |
How we work
Why use an independent agency?
A captive agent works for one insurance company. We have 40+ carrier appointments, so if one company won't write your home or raises your price at renewal, we can look at others. You keep the same local office either way.
For a homeowners quote, we check the companies that are writing homes like yours and send you the one we think fits best, with the coverage, the deductibles and the price explained. We won't bury you in a stack of quotes.
Where we work
Where we write insurance
Our office is at 1239 SE Indian St, Suite 101 in Stuart. We write insurance across Florida, and many of our clients live in Martin, St. Lucie and Indian River counties and northern Palm Beach County.
FAQ
Questions about the insurance we offer
Have a question that isn't here? Call us at 772-530-5305.
What types of insurance does Manchester Insurance offer?
We offer homeowners, high-value home, condo, condo association, flood, auto, classic car, umbrella, builder's risk and business insurance. We also write boat insurance. Homeowners insurance is our main focus.
Do you only write insurance on the Treasure Coast?
No. Our office is in Stuart, and many of our clients live in Martin, St. Lucie and Indian River counties and northern Palm Beach County, but we write insurance across Florida.
Can I have my home and auto insurance with the same agency?
Yes. Many of our clients have their home, auto, flood and umbrella coverage with us. Some insurance companies give a discount when you have more than one policy with them, but not all of them do, so we'll tell you what applies to you.
Does homeowners insurance cover flooding?
No. A standard home or condo policy does not cover flood, so flood insurance is a separate policy. All of Florida is in a flood zone. The only difference is a high flood zone or a low one.
Who writes your classic car insurance?
We write classic, antique and collector car insurance through Hagerty.
How do I get a quote?
You can start a quote online or call our office at 772-530-5305. There's no cost to get a quote and no obligation to buy.
Ready to get a quote?
Tell us what you need to cover, and our team will take it from there.