★ RamseyTrusted Independent Agency

Home Insurance in Florida, County by County

Wherever you are across North Central Florida or the Space Coast, we shop your home insurance against 15+ A-rated carriers for the best local rate — find your county below to see the cities we serve and get a quote.

15 Florida counties served
15+ A-rated carriers compared
Newberry & Micco, FL offices

Find Your County's Rate

Answers in 1 business day — no obligation.

Your information is safe & never shared.

Where does Schneider and Associates write home insurance?

We're an independent agency serving 15 counties across North Central Florida and the Space Coast / Treasure Coast from two local offices — Newberry, FL and Micco, FL. Pick your county below to see the cities we serve there, then get a free quote compared across 15+ A-rated carriers.

15 Counties, Two Local Offices

Find Your County

Choose your county to see the cities we serve there and get a local home insurance quote.

North Central FL — Newberry Office

Alachua County, FL

8 cities served
Gainesville, Newberry, Alachua, High Springs, Archer, +3 more
View County & Cities →

Marion County, FL

5 cities served
Ocala, Belleview, Dunnellon, Silver Springs Shores, McIntosh
View County & Cities →

Levy County, FL

5 cities served
Williston, Bronson, Chiefland, Cedar Key, Otter Creek
View County & Cities →

Gilchrist County, FL

3 cities served
Trenton, Bell, Fanning Springs
View County & Cities →

Putnam County, FL

3 cities served
Palatka, Interlachen, Melrose
View County & Cities →

Clay County, FL

3 cities served
Keystone Heights, Orange Park, Green Cove Springs
View County & Cities →

Columbia County, FL

2 cities served
Lake City, Fort White
View County & Cities →

Suwannee County, FL

2 cities served
Live Oak, Branford
View County & Cities →

Union County, FL

2 cities served
Lake Butler, Raiford
View County & Cities →

Bradford County, FL

2 cities served
Starke, Hampton
View County & Cities →

Space Coast — Micco Office

Brevard County, FL

13 cities served
Micco, Palm Bay, Melbourne, West Melbourne, Grant-Valkaria, +8 more
View County & Cities →

Treasure Coast — Micco Office

Indian River County, FL

4 cities served
Sebastian, Vero Beach, Fellsmere, Roseland
View County & Cities →

St. Lucie County, FL

3 cities served
Fort Pierce, Port St. Lucie, White City
View County & Cities →

Osceola County, FL

2 cities served
St. Cloud, Kissimmee
View County & Cities →

Okeechobee County, FL

1 city served
Okeechobee
View County & Cities →
Why Local, Independent Matters

A Local Agency With Boots on the Ground Across Florida

We run two local offices — Newberry, FL and Micco, FL — and we've been comparing home insurance carriers for Florida families since 2003. Unlike a single-carrier agent, we're not limited to one company's rates or one company's underwriting rules, no matter which of our 15 counties you call home.

15+ A-rated carriers compared for every quote, in every county we serve
RamseyTrusted independent agency
Local knowledge of county-specific sinkhole, flood & wind risk
Ongoing policy reviews at every renewal, not just at signup
Talk to a Local Agent
Florida family enjoying their protected home
RamseyTrusted independent insurance agency badge
Carriers We Compare

Top-Rated Insurance Carriers Serving Florida Homeowners

Real Clients, Real Reviews

Trusted by Homeowners Across North Central Florida & the Space Coast

★★★★★

“They wrote the exact policy we needed for our small business without trying to push extras. Thank you team for your help!”

Mark Jensen
★★★★★

“Nothing but a great experience! Always available to answer my many questions, have gotten me a great deal on multiple policies, and they are all around friendly and professional. Highly recommended!”

Rebecca Lawson
★★★★★

“Been using them for almost 20 years and always get courteous, prompt, and professional service! I recommend them all the time and will continue to do so!”

Ellen Jacob-Kinbacher
★★★★★

“Great people to work with and they save us a lot of money! They're always there on the phone or when we stop by. At my age I've experienced a lot of insurance companies and they're the best.”

Bob and Carol Petterson
★★★★★

“The most pleasant insurance shopping experience I've ever had! All the staff is extremely welcoming and friendly. I'll no longer spend hours shopping for deals online. Schneider provides us with one of the most competitive rates and customer service!”

Chunling Yan
★★★★★

“We have been with Schneider and Associates Insurance of Micco, FL for 20 years. They always recommend the right insurance plan that is good for you. They are the best!”

Betty Martinelli
★★★★★

“They had my rates lowered and found out that I was paying premiums as if I was not a Florida resident! That was amazing work.”

Charles Lapersonerie
★★★★★

“Every time I call with a question, I feel I am being represented in a fair, honest manner. I trust that my insurance representative does have my best interest in the front of their mind.”

Leonard Cumbridge Jr.
★★★★★

“I have enjoyed an 11-year relationship with Schneider and Associates. They handle my auto insurance and homeowner's insurance. I have referred them to several of my clients because I know they will take care of them in a professional manner.”

Sandra Nangle
★★★★★

“The team at Schneider were professional, very responsive and just generally pleasant to deal with. They offered various insurance options with very good values. I would highly recommend them.”

Dean Piacente
★★★★★

“They wrote the exact policy we needed for our small business without trying to push extras. Thank you team for your help!”

Mark Jensen
★★★★★

“Nothing but a great experience! Always available to answer my many questions, have gotten me a great deal on multiple policies, and they are all around friendly and professional. Highly recommended!”

Rebecca Lawson
★★★★★

“Been using them for almost 20 years and always get courteous, prompt, and professional service! I recommend them all the time and will continue to do so!”

Ellen Jacob-Kinbacher
★★★★★

“Great people to work with and they save us a lot of money! They're always there on the phone or when we stop by. At my age I've experienced a lot of insurance companies and they're the best.”

Bob and Carol Petterson
★★★★★

“The most pleasant insurance shopping experience I've ever had! All the staff is extremely welcoming and friendly. I'll no longer spend hours shopping for deals online. Schneider provides us with one of the most competitive rates and customer service!”

Chunling Yan
★★★★★

“We have been with Schneider and Associates Insurance of Micco, FL for 20 years. They always recommend the right insurance plan that is good for you. They are the best!”

Betty Martinelli
★★★★★

“They had my rates lowered and found out that I was paying premiums as if I was not a Florida resident! That was amazing work.”

Charles Lapersonerie
★★★★★

“Every time I call with a question, I feel I am being represented in a fair, honest manner. I trust that my insurance representative does have my best interest in the front of their mind.”

Leonard Cumbridge Jr.
★★★★★

“I have enjoyed an 11-year relationship with Schneider and Associates. They handle my auto insurance and homeowner's insurance. I have referred them to several of my clients because I know they will take care of them in a professional manner.”

Sandra Nangle
★★★★★

“The team at Schneider were professional, very responsive and just generally pleasant to deal with. They offered various insurance options with very good values. I would highly recommend them.”

Dean Piacente

Real client reviews from our Newberry, FL Google Business listing — see all reviews on Google →

Frequently Asked Questions

Questions We Hear About Coverage By County

How many Florida counties do you serve?

15 counties across North Central Florida and Florida's Space Coast / Treasure Coast, from our Newberry, FL and Micco, FL offices — see the full list above.

What if my city isn't listed under my county?

We're still likely able to help — our carrier network covers all of Florida. Call (352) 333-3775 and we'll get you a quote even if we haven't built out a dedicated page for your city yet.

Do home insurance rates vary by county in Florida?

Yes — flood zone maps, wind mitigation credits, and risks like sinkhole activity (common in North Central Florida's karst terrain) or coastal wind exposure (common on the Space Coast) vary by county, which is why we review each client's specific address rather than quoting a flat regional rate.

Which office is closest to me?

Our Newberry, FL office serves North Central Florida (Alachua, Marion, Levy, and nearby counties); our Micco, FL office serves the Space Coast and Treasure Coast (Brevard, Indian River, St. Lucie, and nearby counties).

Is coverage the same quality no matter which county I'm in?

Yes — as an independent agency we shop the same 15+ A-rated carriers for every client regardless of county, then tailor the specific coverage to your address's real risk factors.

Two Locations, One Team

Visit Us in Newberry or Micco, FL

Newberry, FL Office

Get Directions →

Micco, FL Office

Get Directions →
How It Works

Getting Florida Home Insurance Is Simple

1

Tell Us What You Need

Call, request a quote online, or stop by either office — a licensed local agent reviews your situation, not a script.

2

We Shop Multiple Carriers

As an independent agency we compare rates and coverage across several A-rated carriers instead of quoting just one.

3

You Pick the Right Fit

We walk through the options in plain language so you can choose based on coverage and price, not guesswork.

4

We Handle the Rest

Once you're bound, our team is your ongoing contact for changes, claims, and renewals — no call centers.

What Affects Your Rate

Local Cost Factors for Florida Home Insurance

How many Florida counties do you serve?

15 counties across North Central Florida and Florida's Space Coast / Treasure Coast, from our Newberry, FL and Micco, FL offices — see the full list above.

What if my city isn't listed under my county?

We're still likely able to help — our carrier network covers all of Florida. Call (352) 333-3775 and we'll get you a quote even if we haven't built out a dedicated page for your city yet.

Real Clients, Real Reviews

What Our Clients Say

★★★★★

“Great people to work with and they save us a lot of money! At my age I've experienced a lot of insurance companies and they're the best.”

Bob and Carol Petterson
★★★★★

“The most pleasant insurance shopping experience I've ever had! Schneider provides us with one of the most competitive rates and customer service.”

Chunling Yan

Ready for Florida Home Insurance That Fits Your County?

Get a free, no-obligation quote from a local independent agency that compares the market for you.

Get Your Free Quote →

Helping you protect your family, home, or business doesn't happen by accident.