Personal Insurance Solutions in Florida

At Complete Trust Insurance, personal insurance isn’t just part of what we do—it’s at the heart of our business. More than 90% of our clients come to us for help protecting their homes, vehicles, and personal assets. As an independent insurance agency in Vero Beach, we have the flexibility to shop a wide network of carriers so you can get the right coverage for your lifestyle, your budget, and the unique risks of living in Florida.

Family in matching white shirts and jeans, lifting a child in a park on a sunny day.

Protect What Matters Most

Life in Florida is full of beauty, but it also comes with its share of challenges—hurricanes, heavy rains, flooding, and coastal driving conditions. Whether you’re a year-round resident, a seasonal homeowner, or managing rental property, we’ll tailor your coverage to help keep you prepared for whatever comes your way.

Our Personal Insurance Offerings

We offer a full range of personal insurance policies for individuals and families across Florida. Click below to explore each coverage in detail:

Homeowners Insurance

Protect your home, belongings, and liability

Condo Insurance

Designed for condominium owners and shared building structures

Auto Insurance

Coverage for your car, truck, or SUV, with optional add-ons for added protection

Renters Insurance

Affordable coverage for your belongings and personal liability

Flood Insurance

Protection from storm surge, heavy rain, and rising water

Umbrella Insurance

Extra liability coverage that extends beyond standard policy limits

Valuable Items (Jewelry) Insurance

Coverage for high-value personal items

Investment Property Insurance

Protection for rental homes and investment real estate

Short-Term Rental Coverage

Tailored for Airbnb, VRBO, and vacation property owners

Boat & Watercraft Insurance

Coverage for vessels, including liability and damage protection

Motorcycle Insurance

Protection for riders and their bikes

RV Insurance

For recreational vehicles, motorhomes, and travel trailers

Florida Living Means Thinking Ahead

From waterfront estates in Indian River Shores to condos near South Beach Park, every Florida property has its own set of risks. We understand how to insure homes in high-wind zones, properties near tidal waters, and vehicles that see year-round sun exposure. We also know the importance of policies that address Florida-specific needs like hurricane deductibles and uninsured motorist protection for busy roadways like US-1 and A1A.

Why Clients Choose Complete Trust for Personal Insurance

We’re more than just a place to buy coverage—we’re your insurance advisors for the long run. Our clients count on us for:


  • Annual policy reviews to ensure coverage stays up-to-date



  • Guidance on bundling home & auto for better rates and simplified billing


  • Advice to close coverage gaps, such as adding flood or umbrella protection


  • A friendly, responsive team who knows your name and your priorities

Frequently Asked Questions About Personal Insurance in Florida

  • What types of personal insurance do I need in Florida?

    Most Florida residents benefit from a combination of homeowners (or renters) insurance, auto insurance, and additional protections like flood or umbrella policies. The exact mix depends on your property, lifestyle, and risk factors—our team can help you customize the right plan.

  • Is flood insurance included in a standard homeowners policy?

    No. Standard home and condo policies in Florida do not cover flood damage from rising water or storm surge. Flood insurance is purchased separately, and we recommend it for many Vero Beach homes due to our proximity to the ocean and Indian River Lagoon.

  • Can I bundle my home and auto insurance for savings?

    Yes. Bundling your home and auto coverage with the same carrier can often lower your premiums and simplify your billing. We’ll shop multiple carriers to find the best bundle for your needs.

  • Do I need personal umbrella insurance?

    Umbrella insurance provides extra liability protection beyond what’s included in your home and auto policies. It’s especially useful if you own significant assets, have a high net worth, or simply want extra peace of mind.

  • How does living in Vero Beach affect my personal insurance rates?

    Rates in Vero Beach are influenced by coastal weather risks, hurricane exposure, and flood zones. Homes near the water or in high-risk windstorm areas may have higher premiums—but we can help find discounts for features like impact windows, upgraded roofs, and security systems.

  • Can I get insurance for my boat, RV, or motorcycle?

    Yes. We offer coverage for recreational vehicles, boats, personal watercraft, and motorcycles—whether you use them year-round or seasonally in Florida.

  • What’s the best way to get a personal insurance quote?

    You can call our office at 772-492-8545, request a quote online, or stop by our waterfront office on Royal Palm Pointe. We’ll gather some basic details, compare options from multiple carriers, and help you choose the right coverage.

Ready to Find Your Perfect Policy?

Not sure which coverages you need? Our team is here to make it easy. We’ll walk you through your options, answer your questions, and help you choose the right personal insurance for your life in Florida. Call us at 772-492-8545 or request your free quote today.