FLORIDA HOME INSURANCE
Home Insurance Options at the Best Price – Without the Sales Pressure
We shop 20+ top-rated carriers to find you a policy at the lowest price. Free quote, no spam, no pushy calls — request a quote in under a minute.
- Licensed Florida agency, based in Melbourne
- We offer to re-shop your policy at every renewal
- No pressure, no spam, no back-and-forth
Get Your Free Home Insurance Quote
Takes about 60 seconds. No obligation.
Home Insurance Quote
1000+
Happy Clients
15+
Years of Experience
20+
Carriers
Amanda M.
They answer every question I have in a super timely way with exceptional knowledge. Anytime someone needs insurance I send them here.
Stan H.
Tony and his team are awesome and easy to work with. As good an experience as buying insurance could possibly be, lol!
Bob D.
I recently moved to Florida and my mom recommended Tony; so I gave him a call. I've been with him for 4 months now and had multiple insurance needs and he has come through every time. He is thorough, knowledgeable, customer-oriented, responsive...such a great person to do business with. Highly recommend! Following up now after 2.5 years...Tony and his team are still great. Active communication; personal touch; active shopping for better rates - overall just fantastic. 5-star and highly recommend.
Merida P.
Tony was very responsive in helping us acquire new insurance for our home. I was not getting feedback from my other agent and was under the gun for a renewal policy and we had everything done and signed within a few days. I highly recommend him. Plus, he's a great person to work with.
Monica T.
I appreciate the thorough discussion of my policy and the patience in answering all of my questions. My agent Tony was very kind and knowledgeable. Thank you
3/2025.
I’m back to share more thoughts after three years, and I can’t say enough about this amazing agency! Rory and Jennifer truly went above and beyond while working on my policy requote ( which saved me money). Their diligence, coupled with their incredibly helpful and friendly approach, made the entire process a breeze. I genuinely feel supported, and I can confidently say this is the best agency I’ve ever worked with. Thank you, team, for everything you do!
Steven I.
Great work 💪👷👏
Kent
Tony was great to work with. Explained policy and coverage in detail. He was able to provide a rate that worked great for us. Thanks Tony
Giampiero R.
Excellent service and very professional. Tony is a very responsive and professional. I highly recommend Tony for any of your insurance needs.
Lisa L.
Tony does an amazing job. Response time and communications are outstanding and I am never wondering where I am at in the process of a quote or a change for my insurance needs. Thanks Tony
Ross D.
They do not forget deadlines. They get good rates. They advise. I love this outfit
Judy W.
Tony is an awesome agent that is very knowledgeable, personable and professional. He has always gone above and beyond to make sure we have the best experience and customer service. I would highly recommend you give Tony a call.
Annie F.
Not a more ethical, caring agency in the business. Tony assesses your needs & provides details to contract language in an easy to understand manner. His access to all the carriers rand reviews policies and rates year every year at renewal!
Thanks Tony
Julie K.
Tony has been our only home representative since moving to Brevard 6 years ago. He is a Christian professional who has always brought quality and care so that our family is always provided for without worry.
Mike H.
Any time i need insurance Tony Smith with Chrinco is right on top of it with a quality quote and VERY timely
Lesley B.
Tony is the best!!!
Adam B.
Tony is the absolute best insurance agent in Central Florida. I’m from the Midwest where humble people matter. Tony is an amazing person who really puts people first. When I was calling around to different providers, I got different quotes for home owners insurance all from Nationwide providers. Tony explained to me that home owners insurance quotes are very sensitive to the date when the policy starts. And, if you put in the wrong date and use their policy expecting one price, you could be thoroughly confused when the rate changes when you close on your home. Also, Tony doesn’t add any gimmicky discounts just to get your quote the lowest; he’ll discuss each available discount before adding them to your quote. I really appreciated that because I called around to several insurance companies getting quotes before I found Tony. I would get great quotes from other companies until I started going line by line finding weird discounts that mandate you add a tracking device to your car. Tony believes in being upfront with his clients and I truly appreciate that as a customer. I would strongly recommend Tony, who I can email/call/text and get a response with a few minutes, to anyone who wants an insurance agent who will take care of them and will always be available to answer and questions.
Irene G.
Tony went above and beyond to help us find a great policy at an affordable price!
Dawn
Tony Smith is the best insurance agent I’ve ever dealt with. He is extremely knowledgeable and very responsive to our needs. Always answers the phone and if he can’t, he gets right back to me. A+
Kristine M.
Excellent insurance brokerage. Responsive and extremely helpful. Got the coverage we needed at a much better price than from anywhere else.
Bruce M.
Anthony and his team are very professional and friendly. Get back to us day or night.
Ramon R.
Tony has been the most pleasant insurance agent I have had the pleasure to work with. Very professional and helpful.
Tom S.
Working with Tony Smith at Chrinco was an excellent experience. I don't think my condo insurance was an especially profitable transaction for him but, nonetheless, Tony provided an exceptional amount of help finding a policy for my somewhat complicated situation (I was heavily involved in pursuit of payout on a claim from another company, and I'd had a lapse in coverage). Other agents had told me I wouldn't find coverage at all. Tony took the time to review an offer from a competitor, without bias (he recommended a cheaper policy from another agency which, in the end, I did not buy), and he explained the intricacies of the insurance I was buying. In addition, he was always pleasant, professional, and understanding, way beyond what I'd experienced from other agencies I'd shopped. I'm glad to recommend him. Thanks, Tony.
Corey G.
Tony is awesome - I purchased a new home and had every quote under the sun given to me by other providers including the builder- Chrinco came out with the best.. Tony is knowledgeable and personable. If you are looking for best coverage and lowest rates Tony is your guy!!
Andre B.
Working with Tony on getting excellent home insurance was a painless experience. He is professional and courteous, I felt like he had my best interest in mind the whole process. I highly recommend his services.
Ellerbe420
Very helpful, would recommend to everyone. I got a great deal on home insurance very fast centered to exactly what I needed.
William G.
There are many sources for insurance coverage. I have found very few over the years who make the effort very carefully fit the coverage to our specific needs.
Tony Smith also went the extra mile to help me personally with concerns which went above and beyond insurance coverage .
I appreciate Tony Smith and highly recommend the Chrinco Agency for your insurance needs.
Ethel Z.
Wonderful company! Professional and prompt customer service!
Ann D.
Best insurance agency I’ve ever had. They are quick to respond to any question, need, or issue. I recommend Chrinco to all my friends.
Amanda S.
I highly recommend Tony! We had a difficult insurance issue that several agents - including our longtime agent - told us they could not resolve for us. Tony clearly explained to me the challenges with our property, but more importantly, found a solution. We're grateful for his experience and knowledge, and will certainly continue to do business with Tony!
Brian K.
Tony and his team helped me at a time when my insurance rates had doubled 2 years in a row. He personally took several hours to explain my options and even suggested that I not switch to his company until my current policy renewed as it would have cost me too much money to cancel my old policy. They have now found me a policy that is equivalent in coverage at a much more competitive price. Everyone at Chrinco that I have interfaced with has been responsive and professional.
Bob H.
Been working with Chrinco - Tony and his team for over 5 years, One of the best decisions I've made. His team is proactive and manages my home insurance. We've gone through venders leaving the state, raising rates, Tony and his team are on top of this, and provides options and usually a great rate that is affordable. Looking forward to continuing to work with the team.
Derek Z.
I have had a very positive experience getting my home owners and Tony was extremely helpful 👍
C L.
Thank you!!
Donna S.
Always professional, and communication excels
Jesse S.
Tony Smith and Chrinco have been amazing partners in navigating the difficult and ever changing Florida property insurance market. Most recently, when exploring adding solar panels, Chrinco provided guidance to help ensure that we considered all aspects of changes to insurance (TL;DR solar is completely worth it). Great responsiveness, clear followup, and ensuring that we remain covered at all times.
Jeff H.
Did a great job taking care of my insurance needs!
Jonathan W.
They are the best! Great communication , Lowest rates, Keep me informed on everything, and the best customer service!
Kathy S.
Tony has been helpful from day 1. All ways answers all my questions greatgroup of folks
Michael A.
They do everything they can do to try to help you and I’m very responsive to your questions. I would recommend them to anyone looking for insurance.
Luis R.
Can’t say enough amazing about Tony and the Chrinco insurance team! Not only have they provided us with great service year after year, but as a Realtor by trade I love recommending them to my clients. I appreciate their transparency and always on the lookout for the best quote for my insurance needs! Keep up the great work!!!
Jonathan I.
Tony, really researched the best quotes and advice to give me the best options. I would highly recommend him.
Mike M.
I have nothing but great praise for Tony Smith and his entire team! Their willingness to listen, explain, and provide exceptional customer service and product, is unmatched from any other insurance agency that I have ever dealt with! Their professionalism and dedication to make sure that all of our needs have been taken care of now, and in the future; exceeds all expectations! I highly recommend Tony Smith and his team to all for your insurance needs!
Jack T.
I purchased a 1961 built home on a canal in Cocoa Beach(fully renovated).
I tried many avenues for Insurance but only Tony and Chrinco could satisfy the requirement.
Not only did they secure insurance they did so at rates far lower than others had suggested.
I highly recommend you work with this firm to satisfy your insurance requirements.
Michele B.
Tony was on top of every email and phone call from me when I was looking for a new policy. He was very responsive and educated me on some of the changes that have taken place. I will, and do, highly recommend the entire team.
Frank F.
Tony has been very helpful in alerting us to insurance increases and being proactive in searching for better coverage at a great rate.
Arpit P.
Great experience with Tony from their team. Very prompt and responsive. Have used their team for years
Joseph M.
Tony and team listen to your needs/wants, are responsive and deliver on their promises.
Joni D.
Highly recommend using Chrinco for your insurance needs. They are on top of things and were so easy to work with. They have gotten me great rates and continue to look out for me every renewal! I give them a 10+
Joe H.
I have worked with Tony since he started his business. Every transaction has gone very smoothly, and he is one of the few people that i trust implicitly. He always works in the best interest of the customer, and very few company's out there have the same integrity. Thank you Chrinco!
Eric C.
I have made one claim so far. The company was very responsive and quick to take care of my expenses. The claim was for a flood related to an appliance. I never saw a bill from a service provider. My agent handled everything.
Paul S.
I would highly recommend them to anyone that’s looking for a company that is informative always there to answer your questions and do their best to get you the lowest rates!
Ryan Z.
Tony Smith gave me great price comparisons on time for my annual renewals. He takes the time and care to ensure the process is understood with the best deals available. Very happy with the outcome!
Mike C.
Tony at Chrinco is the absolute BEST Home Insurance Agent! He is friendly, helpful anytime I call and always works his hardest to get me the best rates and coverage. I highly recommend Chrinco!
Robin R.
This company saved my mortgage from going up exponentially! They were very thorough highly recommend him!
Rick C.
Tony and his team have been assisting me and my wife for our insurance needs for years. The team is very professional, knowledgeable, and always willing to go the extra mile to help you with any questions you have. I would not go anywhere else for help in getting the best insurance help around. Thank you Tony & Team!!
Paula W.
Tony Smith and his staff are phenomenal! Service, plus and there to answer any questions you may have. Highly recommend them for your insurance needs! Paula Warwick
Mickey R.
I was referred to Tony Smith upon moving to Indiatlantic by my broker at Morgan Financial. I was looking for a reputable insurance company as I was new to the area. For the past three years Chrinco Insurance has helped me with my homeowners insurance and found the best coverage at an affordable price. Tony is personable and courteous. His team is proficient and timely in all communication and handling of my policy each year and this truly takes the burden off my shoulders. I would highly recommend Tony Smith and his team for any of your insurance needs. Thank you for your service.
Sharon W.
Tony is five star insurance agency,very friendly and knowledgeable,I would highly recommend them,They always email u and return phone calls. Sharon W
Tod B.
Jennifer and Tony were very helpful getting me flood insurance for a reasonable price especially compared to the FEMA pricing. We just moved to Satellite Beach, I made one phone call, got the quote a few hours later and had the flood proposal signed by the end of the day. I highly recommend Chrinco for your insurance needs. Now, it’s time to enjoy Florida!
TB
Derek C.
Tony and the team over at Chrinco are extremely knowledgeable regarding insurance spanning multiple domains (home, auto, flood, etc..). They have always taken the time to help explain the policies in great detail and help me shop policies to ensure I am getting the best rates and the right level of coverage. Chrinco helped me find very favorable home insurance rates, and most recently helped me save about 30% on my auto insurance. Could not be more grateful for these guys!! Thank you Chrinco for all that you do!!
Sunit G.
Tony and his team at Chrinco have been awesome -- always responsive, looking for the best deals possible! And in my case, given that I was coming back to Florida after more than 30 years, their insights and help were even more valuable to me! Highly recommended if you're in the market for insurance!
321 B.
Tony Smith and his team of professionals are absolutely outstanding! Straightforward, honest, hard-working, extremely knowledgeable, and dependable folks. We have ALL of our insurance plans w Tony and Chrinco. Business, personal, auto, home, and more. One stop shopping, direct person to person communication, in real time, with an incredible sense of urgency, fast response time, and extremely expeditious with all current and potential future communication/documentation needs. I completely trust Tony and his folks explicitly. HIGHLY RECOMMEND.
Tim K.
We have used Tony Smith (Chrinco) for many Years now and he is someone I trust and has always been available when I had a question and is very prompt in giving me updates as to my plan. I Highly Recommend Tony Smith and Chrinco Home Insurance.
Trace A.
Tony and his entire team are rooted in rock solid customer service! Every time I contact them, I am immediately answered with respectful and professional behavior. They exhaust every avenue to find me and my family the best price but also ask the “right” questions to assure I’m protecting my assets properly. I will never seek an alternative!
Smith J.
Tony is always available to take calls or just even giving updates when appropriate. He truly does a very good job. Knowing that when I call i won't be talking to a automated program but a actual person is a sense of fresh air. Overall tip my hat to Tony and his team.
Rose H.
I have had my homeowners insurance with Chrinco since 2020 and have had great interactions with the agency. Tony is very knowledgeable and helpful with my insurance needs. I would like to add that the communication with me about policy changes or renewals are outstanding.
Jer B.
Fact, Chrinco saved me thousands last year, the year before and again this year. Old school customer service. Agents that actually look out for their clients is refreshing. If you need all your questions answered, no problem..Discuss quotes and alternatives to save on premiums, no need to ask, they are 1 step ahead. I recommend Chrinco to my loved ones because I care.
Wayne T.
Great service and response times from Chrinco. Always feels like they have my best interest in mind.
Bob R.
Tony was super great to work with, helped us insure our home, and car. He handled everything, answered all of our questions thoroughly, and made it very clear what decisions we had to make, and when something was needed of us. Highly recommend, will go back to Tony in the future for any insurance questions.
Monica T.
I want to express my appreciation for Chrinco and their outstanding reputation. Their team is not only courteous but also genuinely committed to ensuring your insurance needs are met. They consistently go above and beyond to provide excellent service. I highly recommend them! Thank you!
Karen H.
I’ve had a great experience working with Chrinco as my insurance broker. From the beginning, their team was knowledgeable, responsive, and genuinely took the time to understand my needs. They helped me find the right coverage at a competitive price and explained everything clearly so I knew exactly what I was getting.
What really stood out was their ongoing support — they don’t just disappear after the policy is set up. Anytime I’ve had questions or needed adjustments, they’ve been quick to respond and very helpful.
I highly recommend Chrinco to anyone looking for trustworthy and professional insurance advice. It’s rare to find this level of service and attention to detail!
Troy N.
Positive and efficient experience when I bought my home in 2020. Been with them ever since and do not plan on leaving anytime soon. Tony was great to work with during the busy and trying time of a house buy. RECOMMEND THE COMPANY HIGHLY!!
Chris M.
Tony and the team at Chrinco have been wonderfully helpful and are always attentive and exceptionally detailed. Definitely recommend.
Scott J.
The Chrinco team has been great for our homeowners and golf cart insurance needs. Always pleasant and responsive. They also proactively reach out during renewal time to ensure they are factoring in any changes to our needs. It's also reassuring to have a local team to contact when questions arise. Highly recommended.
Antoinette W.
I find Chrinco Insurance to be most helpful at their job which is to find the best fit of insurance to fit their client's needs.
James D.
These insurance agents have been a great help to me in navigating the changes in Florida for home owners over the last several years. They really try to take care of you.
Jim G.
Tony has been so helpful navigating the maze that is insurance at the coast!
Sue B.
Chrinco has been an excellent company to deal with. Always able & willing to answer my questions or search for the best insurance policy for my home.
Vine M.
Tony was so easy to work with. Quick to respond to emails and saved me money on my policy too!
David C.
Tony at Chrinco is a true professional. He has shopped my home insurance policy for many years and always ensures that my family has the right coverage for our needs at the best price. He is quick to respond and is readily available to answer any question I have. 10/10 recommend!!!
Jeffrey C.
Responsive. Professional. And proactively assist when insurance carriers change their Florida coverage. If you are looking for Home or Auto Insurance you need to call Chrinco and work with THE best broker in the state!
Holly J.
Best place to go for home & auto insurance, hands down!! Beat every quote I received. The knowledge is unmatched and service is outstanding!!
Bill -.
Tony at Chrinco is great to work with! Super knowledgable and always willing to help.
Hamid K.
I contacted several agents in December 2024 to obtain insurance for our new property in Florida. Many didn't even return my call. Tony was not only prompt but also provided the best quote and took the time to communicate with me to find the perfect product. It's now time for us to renew, and I wouldn't consider any other source.
Monica
Tony and his team at Chrinco have been providing our coastal property coverage for many years. His team is very knowledgeable and professional. If you’re looking for insurance do not hesitate to reach his office for any insurance related questions.
Annette L.
We have used Chrinco for all our home insurance needs since moving to Suntree 10 years ago. Tony and his staff are knowledgeable, efficient and also personable. They are always available. They always provide us with options to select what policies best fulfill our needs.
Gavin G.
Tony has been super helpful with finding me the best house insurance policy available. This process was much easier than shopping around myself.
Dawn S.
Tony with Chrinco is the best. Always available for any questions or concerns. The entire staff Always is helpful and provides great customer service. Very Happy to have my Home Owners insurance with Chrinco!! Call Tony with Chrinco today!!
Cynthia C.
Christopher is always timely and informative. They find me the best policy available.
Ryan R.
Helpful and responsive.
Steve L.
Tony has been a huge help for us deciding how to insure our new home.
He is so knowledgeable and able to, not only answer questions, but provide explanations that make sense.
Highly recommend
FX T.
We moved to the space coast for a new job mostly knowing nobody and a little shell shocked by the way real estate prices are trending right now. In that mix, a major factor in what our monthly mortgage payment was going to be was our homeowners insurance. Home insurance is more complicated in Florida because of the permanent state of changing weather. However, Jennifer at Chrinco insurance was extremely long-suffering of our questions and our multiple asks for quotes on properties from Melbourne to Mims. Her hard work on our behalf got a great policy at a great rate with exactly the coverage we needed.
Highly Recommend! Shop your insurance here and see what you might save!
Kenneth L.
Since I moved to Melbourne, Tony and the company have been outstanding in determining my insurance needs. Any question I had was quickly answered. They will continue to be my agents.
David R.
5 STAR PLUS - Service, knowledge and trusted, expert advise are what you can expect and receive when you deal with the team at Chrinco for your home and auto insurance needs!
Elaine H.
Tony has been an excellent insurance agent! for my Home owner insurance. Whenever I have called with a question, he has always been available! I appreciate this very much! I give his company a 5 Star rating! Very professional!
Thank you,
Elaine 🙂
John O.
Very professional and friendly from first contact onward. Prompt attention and willing to teach and make revisions as requested. Highly recommended.
Ellie S.
Chrinco Agency is very responsive.They answer all my questions. They make sure I am paying the best price and get all the necessary coverage we need.
Ken B.
All my questions about my new policy were answered and explained to me very clearly.
I appreciate the time agent Roury spent going over the new policy with me, was not rushed. Great Job!
Joe P.
I worked with Tony Smith, he was able to get me a great price on insurance for My newly built home. He also took his time to answer my many questions. Plus I've been with him for 4 years now. & he always finds great prices on insurance for me! I highly recommend Chrinco Insurance & Ask for Tony Smith
Michael S.
The Chrinco team have been managing my mortgage insurance since 2020. Fantastic service. Highly recommend choosing them for your insurance needs.
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Location:
3270 Suntree Blvd #1105 Melbourne, FL 32940