Welcome to Titusville, Florida â Where Riverfront Charm Meets Affordability
Nestled along the scenic Indian River Lagoon, Titusville, FL is a true coastal treasure for those seeking small-town charm, natural beauty, and affordable home ownership. Itâs the kind of place where you can sip coffee with a waterfront sunrise and still make it to a show or dinner downtownâwithout ever facing city crowds or coastal price tags.
Unique Neighborhoods and Waterfront Living
The Bayview Manor neighborhood features a mix of classic Florida homes, each with its own charm and often framed by majestic river views. For those craving modern luxury, the River Palms Condominiums deliver sleek design, private balconies, and resort-style amenities. And if you prefer a quiet, well-maintained setting, the Pelican Point Condo Association offers gated comfort and community pride, with manicured grounds and easy access to the water.
A Walkable Downtown with Flavor and Culture
Downtown Titusville is small but sophisticated â a few steps can take you from gourmet dining and artisan coffee houses to the Titusville Playhouse, where locals enjoy Broadway-style productions in a beautifully restored theater. Itâs the kind of downtown that invites you to slow down, park once, and enjoy an entire evening on foot.
Outdoor Adventure and Riverside Beauty
Titusville is rich with green space and water access. Locals love Sand Point Park, Space View Park, and the nearby Merritt Island National Wildlife Refuge for morning walks, kayaking, or spotting dolphins and manatees. Itâs a paradise for anyone who loves boating, birding, or simply being near the water.
Affordable Living, Smart Insurance Options
Titusville offers an unbeatable combination of affordable home values and low insurance costs â especially for new residents moving to the Space Coast. At Barefoot Insurance Brokers of Florida, we help homeowners, condo residents, and boat owners find comprehensive coverage that fits their needs and budget.
Whether you need homeowners, flood, auto, or boat insurance, our local expertise helps protect your piece of paradise.
Letâs Get You Settled and Covered
If youâre considering a move to Titusville or recently became a resident, connect with Allie Horblitt, Licensed Florida Insurance Agent and Owner of Barefoot Insurance Brokers of Florida.
Protecting Floridaâs most charming coastal communities â one home at a time.
Alexandra âAllieâ Horblitt is a Licensed Independent Insurance Agent with Barefoot Insurance Brokers bringing over 14 years of industry experience to her clients. She specializes in marine artisan insurance, workersâ compensation including USL&H, general liability, and commercial auto coverage. Allie is licensed to sell commercial insurance products in Florida, Georgia, Alabama, Colorado, Indiana, Ohio, Texas and Virginia. To connect with Allie for customized coverage solutions, email her at allie@barefootins.com or call/text 786-440-8242.
Floridaâs warm weather and access to endless waterways make boat ownership incredibly popularâbut many homeowners are shocked to learn that their home insurance doesnât fully cover their watercraft. So, if you’re storing your boat at home or taking it out on the water this season, donât assume youâre protected just because you have homeowners insurance.
Limited Coverage, Major Gaps
While some homeowners insurance policies may offer minimal coverage for small boats (like canoes or small fishing vessels), that protection often caps out at $1,000â$2,000 and usually does not cover liability, damage in transit, or accidents on the water.
That means if your boat is damaged during a storm, stolen from your driveway, or causes injury while in use, your homeowners policy likely wonât pay out. To be truly protected, a separate marine insurance policy is essential.
Annual Boat Insurance Starts at Just $75
At Barefoot Insurance Brokers, we work with top-rated marine insurersâincluding Progressive, where annual boat policies start at just $75. Whether you own a personal watercraft, fishing boat, center console, or jet ski, we can shop your policy across multiple carriers to ensure youâre getting the best price and the right protection.
Live in a High-Value Florida Zip Code? Youâre at Higher Risk.
Living in a premium coastal location means your propertyâand your boatâcould be at greater risk of theft, hurricane damage, or liability exposure. Here are five of the most expensive places to live in Florida with their main ZIP codes:
Palm Beach â 33480
Pinecrest â 33156
Key Biscayne â 33149
Surfside â 33154
Coral Gables â 33146
Residents in these areas especially benefit from proper marine insurance coverage tailored to their location and lifestyle.
Get Peace of MindâCall Zack Epstein Today
Donât leave your boat uninsured or underinsured. Contact Zack Epstein at Barefoot Insurance Brokers for a fast, affordable boat insurance quote today. Call or text him at 754-229-9116 or email zack@barefootins.com.
We shop with multiple boat insurers to find you the best rate and protectionâso you can get back to enjoying Floridaâs waters, worry-free.
Weâre Entering Peak Hurricane Season: Why Florida & Georgia Homeowners Should Quote Flood Insurance Now
Even if August felt âquiet,â hurricane season is only now reaching its busiest stretch. Historically, the Atlantic peaks around September 10, with the most activity from mid-August through mid-October. (NOAA)
This yearâs outlook reinforces the point: NOAAâs August update continues to call for an above-normal season with 13â18 named storms, 5â9 hurricanes, and 2â5 major hurricanes. (NOAA, Climate Prediction Center) In August alone we saw Dexter, Erin, and Fernandâsystems that mostly stayed offshore but underline how quickly conditions can ramp up as we enter the seasonal peak. (Yale Climate Connections, New York Post, AccuWeather)
And the National Hurricane Center continues to monitor new disturbances in the tropical Atlantic as warm sea-surface temperatures fuel developmentârecent outlooks showed medium-to-high formation odds within a week. (National Hurricane Center, FOX 13 Tampa Bay, Miami Herald)
Why Consider Private Flood Insurance Today?
Whether you live on the coast or well inland in places like Fort Lauderdale, Miami, Port St. John/Cocoa, Jacksonville, Savannah, or the Atlanta suburbs, flood risk is spreading with heavier rain events and rapid-onset flooding. Standard homeowners policies do not cover flood.
Barefoot Insurance Brokers represents 23+ flood insurance carriers across multiple statesâincluding Florida and Georgiaâso we can shop options quickly and match coverage to your property and budget.
Neptune Flood Advantage: Shorter Waiting Periods
A key reason to act now: Neptune Flood (one of our private-market partners) generally has a 10-day waiting period, with no wait if youâre purchasing for a real estate closing or rolling over an existing flood policy. The NFIP typically requires 30 days. That difference can mean everything if a storm forms next week. (Neptune Flood)
Who Needs Flood Insurance?
Homes in Special Flood Hazard Areas (AE, VE): Your lender may require coverage, but you still choose which policy.
âX-zoneâ & inland properties: A âlow-to-moderateâ map label doesnât mean âno risk.â Many claims come from outside high-risk zones.
Condominium & townhome owners: An HOA master policy (if any) may not fully protect the interior of your unit or personal property.
Landlords & investors: Protect rental income and unit interiors; some private policies include optional enhancements.
What Can Private Flood Insurance Cover?
While details vary by carrier, private flood options commonly include:
Dwelling/Building coverage (often with higher limits than NFIP)
Contents coverage (replacement cost options may be available)
Additional living expenses (when a covered loss makes your home uninhabitable)
Loss of rent for investment properties (where available)
Flexible deductibles to tailor price vs. protection
Because coverage terms vary by insurer, weâll compare forms from multiple carriers (including NFIP) to find the right fit for your property and risk tolerance.
Timing Matters: Donât Wait for the Cone
Recent systemsâDexter, Erin, and Fernandâdeveloped and intensified over open water with shifting tracks. Thatâs typical this time of year; storms can spin up and turn quickly, and policy waiting periods still apply once a disturbance is on the map. Secure coverage before thereâs a named threat near Florida or Georgia. (Yale Climate Connections, New York Post, AccuWeather)
Quick FAQs
Is flood insurance required? Lenders often require it in high-risk zones, but many owners choose coverage voluntarily due to growing inland and urban flood risks.
How long is the waiting period?
Neptune Flood: typically 10 days; 0 days for closings or policy rollovers. (Neptune Flood)
Why is everyone saying the season was âquietâ? A slower early season is normal. The long-term climatology shows activity peaks now, around September 10. (NOAA)
Whatâs the current forecast? NOAAâs August 7, 2025 update still expects 13â18 named storms, 5â9 hurricanes, and 2â5 major hurricanes this season. (NOAA, Climate Prediction Center)
Get a Flood Quote in Minutes
Barefoot Insurance Brokers can quote private flood (including Neptune Flood) and NFIP side-by-side for homes and condos across Florida and Georgia. With 23+ flood carriers, weâll help you compare coverage, waiting periods, deductibles, and pricingâso youâre protected before the next advisory.
Service area: Florida & Georgia (and additional states via our carrier network)
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Meta Description (â¤155 chars): Itâs peak season. Compare private flood vs. NFIP with 10-day waits from Neptune. Get a fast quote in FL & GA from Barefoot Insurance Brokers.
Target Keywords: Florida flood insurance, Georgia flood insurance, private flood insurance quote, Neptune Flood 10-day waiting period, NFIP vs private flood, flood insurance Fort Lauderdale, flood insurance Savannah, condo flood insurance Florida, flood insurance Cocoa/Port St. John
Craig Appleman is a Licensed Independent Insurance Agent with Barefoot Insurance Brokers, bringing 12 years of experience in personal lines coverage to Florida homeowners and families. His areas of expertise include flood insurance, homeowners insurance, personal umbrella policies, and auto insurance. Craig is known for helping clients navigate complex risk exposures with clarity and confidence. You can reach him directly at craig@barefootins.com or call/text 954-637-3481 to discuss your insurance needs.
FR-44 Insurance Made Simple with Barefoot Insurance Brokers
If youâve been convicted of DUI in Florida and need an FR-44 filing to reinstate your driver license, Barefoot Insurance Brokers can helpâquickly and affordably. We shop a broad network of Florida carriers that file FR-44s so you get a competitive price without the hassle. Based in Broward & Brevard, we serve drivers in Coral Springs, Parkland, Coconut Creek, and Margate every day.
What is an FR-44?
An FR-44 is a certificate your insurer files with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) to prove you carry higher-than-standard liability limits after certain alcohol-related convictions (like DUI). In Florida, FR-44 policies must carry at least $100,000 / $300,000 for bodily injury liability and $50,000 for property damage (or a $350,000 combined single limit) and must be maintained for 3 years after license reinstatement.
SR-22 vs. FR-44: Both are proof-of-insurance filings, but an FR-44 requires higher liability limits than an SR-22 because itâs tied to DUI convictions. In some states, an alcohol related conviction is handled through an SR22 but Florida requires the heightened FR44 insurance requirement.
Who needs an FR44 Insurance Filing in Coral Springs, Parkland, Coconut Creek & Margate?
If a Broward County court record shows a DUI conviction and your license is suspended, youâll need an FR-44 on an active Florida auto policy (or a qualifying non-owner policy if you donât own a car) before FLHSMV will reinstate your driving privilege. This needs to be maintained for 3 continuous years to satisfy the requirement.
What affects your FR-44 price?
Driving record & violation history
Vehicle type and garaging ZIP (e.g., 33065, 33071, 33076, 33063, 33066, 33068)
Coverage selections & deductibles
Prior insurance and any lapses
Because rates vary widely between companies, shopping multiple FR-44 carriers is the #1 way to save. Thatâs where we come in. We work with Bristol West, Kemper, Progressive, National General, GEICO and Dairyland — all of the most competitive insurance providers of the FR44 filing in Florida.
Why Barefoot Insurance Brokers
We shop the market: We compare rates across many Florida carriers that file FR-44s to target the most competitive price for your situation.
Fast filing: We coordinate the FR-44 electronic filing to help you move from quote â bind â filing with minimal downtime. (Processing times vary by carrier.)
Owner & non-owner FR-44 options: Whether you own a vehicle or just need to satisfy the requirement to drive, weâll guide you to the right policy type.
Local guidance: Clear, judgment-free help from a Florida independent agency that knows Broward and the surrounding areas.
What youâll need to get started
Driver license number and DUI details (conviction/reinstatement dates)
Vehicle information (if you own one)
Address in Coral Springs, Parkland, Coconut Creek, Margate or elsewhere in FL
Prior insurance info (if any)
FAQs
How long do I need to keep the FR-44? Three years from the date you reinstate your privilege. If you cancel or lapse during that period, your license can be suspended again.
What limits are required? At least 100/300/50 or a $350,000 combined single limit, per FLHSMV. Choosing higher limits can better protect your assets.
Is a non-owner FR-44 available? Yesâif you donât own a car, a non-owner liability policy can often satisfy the filing requirement. (Availability/eligibility vary by carrier; weâll advise case-by-case.)
Ready to file your FR-44 in Broward?
Call Barefoot Insurance Brokers at 954-368-0060 or start at barefootins.com. Weâll compare the market for you and file the FR-44 fastâso you can focus on moving forward.
Sources: Key FR-44 requirements from FLHSMV (liability limits and 3-year maintenance) flhsmv.gov
Protect your coastal investment with a program designed for the realities of the Gulf. Whether you manage a condo association on the Florida Panhandle, own multifamily in Tampa Bay, or sit on an HOA board along Mississippiâs Gulf Coast, you need coverage that stands up to hurricane seasons, ordinance updates, and rental income risk.
Meet Julia Dourvetakis of Barefoot Insurance Brokersâlicensed in Florida and Mississippiâwho helps property managers, owners, and HOA boards secure coastal-focused insurance with strong limits and smarter options.
Why coastal properties need a different approach
Gulf Coast buildings face unique exposuresânamed storms, wind-driven rain, code upgrades after a loss, and the risk of rental interruption when units are uninhabitable. Standard policies often leave gaps or use deductibles that donât match your risk tolerance. Juliaâs market access and coastal expertise help you compare terms, deductibles, and special form endorsements so youâre not surprised when a claim hits.
Program Highlights at a Glance
Wind & No-Wind Options:
Up to $3 million per occurrence with wind
Up to $2 million per occurrence without wind
Up to $20 million in Total Insured Value (TIV) across eligible schedules
Difference-in-Conditions (DIC) available if neededâto help address gaps standard property forms may not cover.
Business Interruption & Extra Expenseâkeep operations moving while repairs are underway.
Loss of Rentsâprotect cash flow for rental units and associations.
Law & Ordinance Coverageâfund required code upgrades (Coverage A/B/C as eligible).
Competitive Coastal Ratesâbuilt for Florida & Mississippi risk profiles.
Coverage availability, limits, and deductibles are subject to underwriting and policy terms. Not all options available for all properties.
Tailored for property managers, owners & HOA boards
Condominium & HOA Associations: Align hurricane/wind deductibles with reserve strategies; address ordinance compliance for older buildings.
Multifamily & Mixed-Use: Protect rental income and speed unit turn-back with extra expense provisions.
Commercial & Community Properties: From clubhouses to retail pads, keep cash flow intact during repairs.
Florida & Mississippi Service Areas
Serving coastal communities across the Florida Panhandle, Tampa Bay, Southwest Florida (Naples/Fort Myers), SarasotaâManatee, and the Nature Coast, plus the Mississippi Gulf CoastâGulfport, Biloxi, Ocean Springs, Bay St. Louis, Pascagoula, and surrounding markets.
Smarter deductibles. Fewer surprises.
Hurricane and windstorm deductibles can be percentage-based or flat. Julia helps boards and owners balance premium savings against worst-case out-of-pocket costsâso your budget (and reserves) are prepared when the wind blows.
What to expect when you work with Julia
Risk & Coverage Review: Current policy analysis to identify gaps.
Market Comparison: Quotes across multiple coastal carriers and programs.
Deductible Strategy: Align storm deductibles with reserves and cash flow.
Board-Ready Summaries: Clear side-by-side comparisons for votes and approvals.
Ongoing Advocacy: Annual remarkets, renewal strategy, and claim support.
Get a proposal built for your building
Ready to compare options for your coastal property or association?
Contact Julia Dourvetakis Phone: 954-368-0060, x 5 Email:julia@barefootins.com Agency: Barefoot Insurance Brokers
FAQ
What is Difference-in-Conditions (DIC)? A specialized policy form that can help address gaps left by standard property insurance. Itâs commonly used for hard-to-insure perils or exclusions and is tailored to specific risks and locations. Eligibility and scope vary.
Why is Law & Ordinance coverage important? After a loss, many jurisdictions require you to rebuild to current code. Law & Ordinance coverage can help fund demolition, increased construction costs, and the cost to upgrade undamaged portions as requiredâexpenses that standard policies may not fully cover.
How does Loss of Rents/Business Interruption help? If units or spaces canât be occupied after a covered loss, these coverages can replace lost rental income and provide extra expense funds to speed reopening.
Can I combine properties to reach higher TIV? In many cases yesâsubject to underwriting. Julia can structure schedules to pursue up to $20 million in TIV where eligible.
About the Author Julia Dourvetakis is a Licensed Independent Insurance Agent with Barefoot Insurance Brokers, bringing over 30 years of experience to the insurance industry. She specializes in coastal property insurance, workersâ compensation, general liability, and professional liability coverage. Julia is licensed to sell commercial insurance products in Florida, Mississippi, North Carolina, and Colorado. To connect with Julia for tailored insurance solutions, email her at julia@barefootins.com or call/text 954-866-5723.
What Every Florida Boater Needs to Know Before the Next Storm
As hurricane season rolls into Florida, one of the top questions we hear at Barefoot Insurance Brokers is: âCan I insure my boat for hurricane damage?â The short answer? Yesâbut timing is everything.
Boat insurance in Florida can include hurricane and named-storm coverage, but most carriers place binding restrictions once a storm is approaching. That means once a system is named or enters the forecast cone, itâs too late to get or change your coverage.
đŞď¸ What Does Hurricane Coverage Include?
When you add hurricane coverage to your Florida boat policy, you may be protected from:
Wind and wave damage caused by named tropical storms or hurricanes
Damage from storm surge or flooding (depending on policy type)
Cost to salvage or remove your boat after a storm
Emergency haul-out or storage reimbursement to protect your vessel before landfall
Policies differ by insurer, but we work with top marine carriers like Progressive, Ahoy!, GEICO, and American Integrity to find options that best suit your location, boat type, and storage method.
â ď¸ Don’t Wait for a Storm to Get Coverage
Insurance companies shut down new policies or coverage changes when a storm is near. That means if you wait until a storm is already on the radarâyou’re out of luck.
At Barefoot Insurance Brokers, we strongly recommend Florida boaters lock in coverage well before June 1st or at least early in the season. Weâll help you understand named-storm exclusions and how to protect your investment year-round.
đ´ Serving Coastal Brevard County Boaters
We proudly serve Floridaâs boating community in Brevard County, including these five most populated coastal regions:
City
ZIP Codes
Palm Bay
32905, 32907, 32909
Melbourne
32901, 32935, 32940
Cocoa Beach
32931
Titusville
32780, 32796
Satellite Beach
32937
Lowest priced zip codes for boat insurance in Brevard County, Florida
From riverfront docks to Atlantic marina slips, we help Space Coast boaters secure peace of mind with the right coverage at the right price.
đ° Affordable Boat Insurance Starting at Just $75/Year
Through Progressive, some annual marine insurance policies start at just $75! Rates depend on:
Boat size, age, and type
Storage location (marina, trailer, lift, or dry dock)
