Homeowners Insurance in Florida’s Treasure Coast.
Helping Florida homeowners understand their coverage options with guidance that’s clear, local, and tailored to their needs.
Why Homeowners Choose Manchester Insurance
When it comes to insuring your home, you deserve guidance you can trust and a team that understands Florida’s insurance rules. As a local, independent agency on the Treasure Coast, we compare options from many companies and explain your coverage clearly — not just the price. Here’s why homeowners in our community work with us:
Local expertise in Florida home insurance. We understand the laws, risks and coverage requirements that are specific to our state.
Multiple carriers to choose from. We shop policies from a variety of insurers so you can find a fit that matches your needs and budget.
Straightforward guidance. We’ll explain your coverage in plain language so you know what’s protected, not just how much it costs.
We also offer coverage for condos, seasonal homes, rental properties and new construction along Florida’s Treasure Coast.
Homeowners Insurance FAQs
Understanding your homeowners insurance coverage is essential when protecting your home in Florida, especially with factors like hurricanes, rebuilding costs, and changing insurance requirements.
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Most people set their coverage when they first buy their home and then never revisit it. With construction costs changing so much in Florida, it’s a good idea to review your coverage every year or two.
We walk through the details with you — the age of your home, updates you’ve made, and current rebuild costs — so you’re not over-insured or under-insured. A quick conversation usually clears it up.
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For many homes in Florida, yes — it’s often worth it. A wind mitigation report can show the features your home already has that may qualify for discounts.
It’s a simple inspection, usually inexpensive, and can sometimes pay for itself within the first year.
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Your personal property is covered, but certain high-value items have limits. If you have jewelry, watches, artwork, or collectibles, you may want to schedule them for better protection.
It’s simple to add, and we can help you decide whether scheduling items makes sense for what you own.
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Florida has two types of deductibles: a standard deductible and a separate hurricane deductible.
The hurricane deductible only applies when a named storm causes the damage. The standard deductible applies to everything else.
We help you choose deductibles that are affordable while still keeping your premium reasonable.
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It’s a good idea to look over your policy every year or whenever something changes with your home. Updates like a new roof, renovations, or major improvements can affect your coverage needs.
Most homeowners are surprised at how much can change in 12 months, so a quick annual review helps make sure your policy still fits your home and lifestyle. We’re always here to help walk through the details if you’d like a fresh look.
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Some carriers require inspections when writing or renewing a policy, especially for older homes. These inspections look at things like the roof, electrical system, plumbing, and overall condition of the property.
They’re usually straightforward and help confirm that the home meets underwriting guidelines. If an inspection is needed, we’ll let you know what to expect and help make sure the process goes smoothly.
