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Chrinco Local insurance guidance for central Brevard families. Home, auto, umbrella & boat coverage.

“The car was only $3,000!” Your insurance company’s next question: “Who’s driving?”The driver matters just as much as th...
10/18/2026

“The car was only $3,000!”

Your insurance company’s next question: “Who’s driving?”

The driver matters just as much as the vehicle when determining auto insurance rates. Age, driving experience, and driving history all help shape the price—so a cheap car doesn’t automatically mean cheap insurance. 🚗

Shopping for auto insurance? Email [email protected]. We’ll help you compare your options.

10/17/2026

A flood ruined your furniture — but the insurance payout isn't enough to replace it. Why?

If your belongings are covered through the National Flood Insurance Program (NFIP), FEMA, or other federally backed flood insurance, your payout is reduced for depreciation (age and wear) — and your deductible still applies. Private flood insurance can work differently and may offer additional coverage.

Don't wait until your furniture is sitting at the curb to find out what your policy actually covers.

📧 Email [email protected] today and ask for a flood insurance quote. We'll help you compare coverage for your home and everything inside it.

10/16/2026

🚗 Got a teen with a driver's license? That doesn't automatically mean your insurance covers them.

If your teen borrows your car and causes an accident, you might assume you're protected — but insurance companies treat household drivers differently than occasional borrowers. Some carriers have even tightened rules around undisclosed drivers, which could mean a denied claim.

Here's what to do:
✅ Call your agent when your teen gets their permit
✅ Update them again when your teen gets licensed
✅ Compare your options to make sure you're not overpaying

Before you hand over the keys, make sure your insurance keeps up.

💰 Think you're paying too much for your teen driver? Email [email protected] to get an auto insurance quote today!

Well... this is going to make quoting auto insurance interesting. 😂🚀Just when we thought we'd seen everything, flying ca...
10/16/2026

Well... this is going to make quoting auto insurance interesting. 😂🚀

Just when we thought we'd seen everything, flying cars enter the chat.

One thing's for sure... the insurance industry is going to have some catching up to do!

Until then, we'll stick to insuring cars that keep all four wheels on the ground. 😎

🚗 Need an auto insurance quote?

📩 [email protected]

10/15/2026

Did you know you might NOT have to pay your hurricane deductible twice if two storms hit in the same year? In Florida, your hurricane deductible typically works on a calendar-year basis — meaning once you've met it, a second covered hurricane claim in the same year would fall under your regular deductible instead.

In this quick explainer, we break down:
✅ How hurricane deductibles actually work
✅ What happens if you haven't met yours yet
✅ Why reporting damage from the first storm matters — even if your insurer pays nothing

Want a home insurance quote and help understanding your deductible options? Email [email protected] today! 📧

10/14/2026

🤔 The repairs are one bill — but living somewhere else after a flood is another. Did you know that federal flood insurance does NOT cover your hotel or temporary rental while your home is being repaired?

Some private flood insurance policies can help with these costs, but coverage and limits vary. Knowing the difference before a flood happens can save you thousands.

Want to compare your options? Email [email protected] and we'll help you find coverage that fits your needs — including policies that help pay for somewhere to stay after a covered flood.

💧 Stay protected. Stay informed.

We're grateful for the trust our clients place in us. Here's one of their stories.
10/14/2026

We're grateful for the trust our clients place in us. Here's one of their stories.

10/13/2026

Think your condo insurance will cover that big assessment bill from your association? Not necessarily. 🏢

Loss assessment coverage can help pay your share when the association charges owners for damage that your policy would have covered — like hurricane repairs. But if the assessment is for an aging roof, deferred maintenance, or building reserves? That's a different story.

In this quick guide, we break down:
✅ What loss assessment coverage actually pays for
✅ How limits, deductibles, and restrictions can still apply
✅ Why the name of the assessment doesn't matter — what the money is FOR does
✅ What to do before you count on insurance to pay

📋 Get the assessment letter, have your agent review it alongside your policy, and know what you're choosing before the bill shows up.

💬 Need a condo insurance quote? Email [email protected] and we'll help you compare your options.

Home and auto insurance include liability coverage, but a serious accident or lawsuit can sometimes exceed those policy ...
10/13/2026

Home and auto insurance include liability coverage, but a serious accident or lawsuit can sometimes exceed those policy limits. For example, if a Florida driver causes a major crash involving multiple vehicles and significant injuries, the costs may go beyond the liability protection included with an auto policy. Umbrella insurance can provide an additional layer of coverage when qualifying underlying limits have been reached. At Chrinco, we explain coverage in plain English and compare competitive policy options so you can make an informed decision without the jargon. Call (321) 757-4014 to ask whether umbrella coverage fits your situation.

🚗 “Full coverage” isn’t actually a type of auto insurance policy.People often use the term to mean liability, comprehens...
10/11/2026

🚗 “Full coverage” isn’t actually a type of auto insurance policy.

People often use the term to mean liability, comprehensive, and collision coverage—but your actual protection depends on your limits, deductibles, and optional coverages. 🛡️

At Chrinco, we’ll help you understand what your auto insurance really covers. ✅

Want an auto insurance quote? Visit: https://www.chrinco.com/autoquote

Address

3270 Suntree Boulevard #1105
Melbourne, FL
32940

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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