Agency Information

About Manchester Insurance

Manchester Insurance is an independent property and casualty insurance agency founded in 2017 and based in Stuart, Florida. We are a family-owned agency led by Managing Partners Josh Estes and Breanne Manchester, both licensed Florida agents.

Josh is a second-generation insurance agent and a Florida native with roots going back five generations in the state. He has lived on the Treasure Coast since 2002. Breanne has been in the insurance industry since 2006 and brings nearly two decades of experience helping Florida homeowners navigate coverage decisions. She grew up in Jupiter and has called the Treasure Coast home since 2015. Together they built Manchester Insurance to serve a market they know from the inside.

The agency holds appointments with more than 40 carriers across personal lines, commercial lines, and specialty programs, and is licensed in Florida under license numbers L099193 and L106376.

Manchester Insurance is a member of the Martin County Realtors of the Treasure Coast and the Port St. Lucie Realtor Association, reflecting how closely the agency's work intersects with the home buying process across Martin and St. Lucie counties.

Meet our team

What an Independent Insurance Agency Means

Manchester Insurance is an independent insurance agency, and that distinction shapes everything about how we work with our clients.

The insurance industry generally divides agencies into two categories. Captive agencies represent a single insurance company. If you've worked with State Farm, Allstate, or Farmers, you've worked with a captive agency. The agent's product catalog is usually whatever that one carrier sells. Independent agencies represent multiple insurance carriers and work on behalf of the client to find the right fit across that broader market.

The practical difference is significant. When a Florida homeowner's policy is up for renewal and the carrier raises the premium 30 percent, a captive agency can most of the time only offer that one carrier's product. An independent agency can shop the policy across every carrier in their market and present alternatives. When a coastal property doesn't fit one carrier's underwriting appetite, an independent agency can place it with a different carrier whose appetite is a better match. When a Florida insurer suddenly stops writing new business, which has happened repeatedly in recent years, an independent agency can move clients to a different market without forcing them to start over with a new agent.

Why independent agency status matters in Florida specifically

Florida's property insurance market has been unusually volatile over the past decade. Carriers have entered the market, exited, raised rates, restricted underwriting, become insolvent, and changed their appetite for certain property types, often on short notice. For Florida homeowners, having an agent who can pivot across multiple carriers isn't a marketing benefit. It's a practical necessity.

Independent agency status also matters for specialty coverages. Classic car insurance, high-value home insurance, flood insurance, umbrella, builder's risk, each has its own specialist carriers and its own optimal placement. A captive agency placing a classic car policy is generally limited to what their single carrier offers; an independent agency can place it with Hagerty, who built their business around collector vehicles specifically. The same logic applies across every specialty line.

How Manchester works with clients

When you come to us for a quote, we evaluate which of our appointed carriers is the best fit for your specific situation, your property, your driving record, your assets, your existing coverage, your tolerance for deductibles, and your relationship preferences. We present options rather than push a single product. We explain trade-offs honestly. And when something changes, like a market exit, a rate increase, a new construction project, a life event, we have the flexibility to move policies across carriers without changing agencies.

Independent doesn't mean unaffiliated. We carry appointments with leading carriers across personal lines, commercial lines, and specialty programs. The independence refers to whose interests we represent: yours, not the carrier's.

This website is not intended as a solicitation for insurance in any state where Manchester Insurance, LLC a Limited Liability Company in Florida ("Manchester Insurance"), and/or its employees are not authorized to conduct business.

Manchester Insurance is a trademark registered with the United States Patent and Trademark Office, under Serial Number 88833425 and Registration Number 6264317. This trademark is owned by Manchester Insurance, LLC.

Manchester Insurance is an insurance agency that is licensed and operates in Florida of the United States (license L099193 & L106376). Manchester Insurance is domiciled in the State of Florida and has its principal place of business in Stuart, Florida.

Manchester Insurance
1239 SE Indian Street, Unit 101
Stuart, FL 34997

P: (772) 530-5305
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Ready to see what an independent agency can do for your home? Get a free quote or call us at (772) 530-5305.