Homeowners & Auto Insurance in Stuart, FL & the Treasure Coast

Manchester Insurance, LLC BBB Business Review

Homeowners Insurance in Stuart, FL
Local Insurance Advisors for the Treasure Coast.

Your Trusted Local Insurance Agency Serving the Treasure Coast

We're a local, family-owned insurance agency based in Stuart, Florida that helps homeowners protect their homes and families. We proudly serve homeowners looking for homeowners insurance in Stuart, Jensen Beach, Palm City, Hobe Sound, Port St Lucie, Vero Beach, Jupiter and throughout the Treasure Coast.

We take the time to learn about your home and what matters most to you. Then we help you choose the right coverage so you can feel confident your home is protected.

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 Frequently Asked Questions

  • 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”.

  • 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.

  • 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.

Insurance We Offer

Coverage for your home, car and more

Homeowners insurance is our main focus. We also help with the coverage below.

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.

Manchester Insurance helps homeowners across Port St. Lucie, Stuart, Palm City, Jensen Beach, Hobe Sound and the rest of the Treasure Coast, plus Jupiter in northern Palm Beach County. Because we're appointed with many insurance companies, we check the carriers that write homes like yours, bring you the most competitive option we find, and explain what it covers.

Looking for more details? Explore our guide to Florida homeowners insurance

The Process

How getting a quote works

Three simple steps, from your first question to a quote you understand.

  1. Step 1

    Share the basics

    Complete the form through the Get Quote button. Give us the basics, like your name, phone number and a little about your home.

  2. Step 2

    We check the right companies

    We check the insurance companies that are writing homes like yours right now. Not every company will quote every home, so we focus on the ones that fit.

  3. Step 3

    We walk you through it

    We send you the most competitive option we find and explain the coverage, deductibles and price in plain words. Quotes are free and there is no obligation.

Get Your Quote Call (772) 530-5305
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We are a family-owned agency, and we keep things simple: honest advice, clear explanations, and a local team that picks up the phone.

Our approach is simple: we aim to earn your trust first, then your business. You should understand your options before you make a decision.