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

A family-owned agency since 2017. We work with many insurance companies and know which ones fit your home and car.

Manchester Insurance, LLC BBB Business Review

Florida home insurance is hard. We make it easier.

Buying home insurance in Florida can feel confusing. Prices change. Roofs get questioned. Some companies stop writing new policies.

We help you sort it out. We're an independent agency in Stuart, and we've helped Treasure Coast homeowners since 2017. We are appointed with more than 40 insurance companies. We know which ones are writing homes like yours, so we check the right ones and bring you the most competitive option we find.

Then we explain it in plain words, so you know what you are buying.

A man and a woman smiling and sitting on a sofa in an office with two dogs, with a sign that says Manchester Insurance behind them.
READ OUR STORY

Independent vs. captive

Why work with an independent insurance agency?

The difference comes down to how many insurance companies your agent can work with.

Captive agent

  • Works for one insurance company.
  • Can only offer that company's policy.
How we work

Independent agent

  • Works with many insurance companies.
  • If one company will not write your home, or its price jumps at renewal, we can look at other companies for you.
  • You keep one local office to call, even if your policy moves to a new company.

One local team for home, car and more

Many of our clients also have their car, flood and umbrella coverage with us. It is easier to see gaps when one team looks at everything.

Learn before you buy

Guides for Florida homeowners

Short, plain-English guides written by our team.

FAQ

Common questions

Have a question that is not here? Call us at 772-530-5305.

What does an independent insurance agency do?

We work with many insurance companies instead of just one. We find the companies writing homes like yours, get you a quote, and help you understand it. If you need to change companies later, you keep the same local agency.

Does it cost anything to get a quote?

No. Quotes are free and there is no obligation to buy.

What do I need to get a home quote?

Your address, the year the home was built, and the roof's age and type. A wind mitigation report and a copy of your current policy's declarations page help too, if you have them.

Does home insurance cover flooding?

A standard home policy does not cover flood. 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.

Florida flood insurance

How does a hurricane deductible work?

Florida home policies have a hurricane deductible that is separate from the deductible for other claims. It is often a percentage of your home's coverage amount, so it can be much larger than your other deductible. We help you see the dollar amount before you choose.

The Florida Department of Financial Services has a consumer guide to the hurricane deductible.

Can I buy home insurance when a storm is coming?

Often you cannot. Insurance companies usually stop writing new policies when a storm threatens Florida. The best time to set up or change coverage is well before a storm.

Three simple steps

How getting a home quote works

  1. 1. Tell us about your home

    Share your address, the year your home was built, and your roof's age.

    If you have a wind mitigation report or a current policy, have it handy.

  2. 2. We check the companies that fit

    We look at the insurance companies that are writing homes like yours right now.

    Not every company will quote every home.

  3. 3. We walk you through it

    We send you the best fit we find and explain the coverage, the deductibles and the price. You decide.

    There is no cost to get a quote and no obligation.

Get a Home Quote

Prefer to talk? Call 772-530-5305

Florida considerations

What affects home insurance on the Treasure Coast

These are the things that come up most when we quote homes here.

  • Roof age and type

    Many companies look closely at older roofs. A newer roof can open more options.

    How roof age affects your price

  • Wind mitigation features

    Things like roof straps and impact windows may earn wind credits. An inspection shows what your home has.

    Wind mitigation vs. 4-point inspections

  • Hurricane deductible

    Florida policies have a separate deductible for hurricane damage. Choosing it changes your price and what you pay after a storm.

    How hurricane deductibles work

  • Flood

    All of Florida is in a flood zone. The only difference is a high flood zone or a low one. Standard home policies do not cover flood, so it is bought separately.

    Florida flood insurance

  • Waterfront homes

    Homes on the river, the lagoon or a canal often need extra review for wind, flood and docks.

    High-value and waterfront homes

Read the full guide: what affects home insurance prices

Where we work

Serving homeowners across the Treasure Coast

We write insurance across Florida. Our office is in Stuart, and many of our clients live in Martin, St. Lucie and Indian River counties and northern Palm Beach County. We have a local guide for each of those areas.

Our office1239 SE Indian St, Suite 101
Stuart, FL 34997

Insurance We Offer

Coverage for your home, car and more

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

Who you will work with

A local agency you can visit

  • Family-owned and independent since 2017
  • Led by a second-generation insurance agent
  • Licensed Florida agents, not a call center
  • An office in Stuart you can walk into
  • Rated on Google and accredited by the BBB (opens in a new tab)

Homeowners insurance is our main focus, and our team works from our office in Stuart.

Meet our team