Sebastian Insurance offers security and piece of mind for your home, auto, boat, Business, and Life.


To provide our customers with the highest quality of service and the best rates. When it comes to coverage, you can count on the professionals at Sebastian Insurance.


  • Over 25 years experience
  • Excellent customer service
  • Competitive rates
  • Right-fit Policies
  • Licensed Insurance Experts
  • Trust and Integrity
  • Local connection
  • Community Involvement


Sebastian Insurance in Vero

Sebastian Insurance services the insurance needs of our customers all throughout Indian River and Brevard Counties

We offer

  1.  Homeowners Insurance in Vero,
  2. Homeowners Insurance in Sebastian,
  3. Homeowners Insurance in Wabasso,
  4. Homeowners Insurance in John’s Island,
  5. Homeowner’s Insurance in Grand Harbor,
  6. Homeowners Insurance Sea Oaks,
  7. Homeowners Insurance Windsor,
  8. Homeowners Insurance at The Moorings,
  9. Homeowners Insurance Sebastian

Bill Kriener

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More Insurance Terms

This month we are posting some general information about Insurance terms. Keep in mind that each carrier will have their own take on these terms, so always ask business Commercial Insuranceyour Agent to go through your Insurance Policy with you. These terms and the definitions are very general and not specific to your policy.

” Additional living expenses

Applies to: homecondo and renters insurance.

If you’re unable to live in your home while it’s being repaired or rebuilt after a covered loss,  additional living expenses helps pay the cost of temporary housing and living expenses depending upon the terms stated in your policy.

Bodily injury liability

Applies to: automotorcycle and umbrella insurance.

Helps pay for bodily injury expenses, like hospital bills and medical care, that you may be held responsible to pay if you cause an accident that injures someone else.

Broad form liability

Applies to: boat insurance.

Helps pay for expenses related to injuries or property in a covered loss involving your boat or personal watercraft.  broad form liability  may also cover some accidental watercraft fuel spills and wreckage removal. ”


Bill Kriener

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Actual Cash Value

Figuring Actual Replacement Value in Sebastian and Vero

In the Insurance industry, just like any other industry, we have terms used within the industry that don’t always mean anything to people who are not involved in Insurance. At Sebastian Insurance we will get calls from customers who have seen something on a commercial and they want to know if our policies offer that same type of coverage.

This month I thought we would try and clear up any misconceptions you may have about what different terms actually mean. Today I am going to discuss:

Actual cash value

Applies to: auto, home, condo, renters, Landlord Protection®, motorcycle, and RV insurance.

Actual cash value is determined by calculating the cost of repairing or replacing damaged property, less depreciation and the effects of wear and tear over time. If an item is damaged beyond repair, actual cash value reflects the market value of the item before the damage took place, less depreciation and the effects of wear and tear over time.

The keyword here is depreciation. If you have a television that costs $1,000 when it was purchased, you have the receipt and it was purchased recently, chances are you will get a good portion of that money covered by your policy. However, if your couch was worth about $200 dollars in a yard sale before it became damaged, but would currently cost $1000 to replace with a new couch of similar size and style, the actual cash value of your couch would probably be around $200, not $1000. Actual cash value is calculated by subtracting the effects of wear and tear over time, and depreciation, from the actual replacement cost.

If you remodel your home and purchase new appliances and furniture, please keep your receipts in a waterproof container where you can access them easily. It is always easier to get things handled when there is documentation to help us make the case.

Remember, tell your friends about us. We write policies for cities all throughout Indian River and Brevard Counties..In fact we can pretty much help out any of your friends and family all over the state of Florida.

Next post will be Actual replacement costs and Agreed Value.

Bill Kriener

Sebastian Insurance, serving Sebastian, Micco, Grant, Fellsmere, Vero Beach, Johns Island, Orchid Island, Palm Bay, Ft. Pearce, Pt St. Lucie and other Florida Communities.

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Wind Mitigation Cert

HURRICANE sEASONWhen you own a home here in Florida you know that sooner or later you will have to face the possibility of a strong storm or even a hurricane. That’s no secret. Mid west has tornadoes, West Coast has wildfires and earthquakes and the Southeast has it’s hurricanes.

For a time after the last major hurricane here in Florida Insurance companies were reluctant to insure Florida properties. Since that time however, building codes have become more strict, new technologies have come along for windows and doors making them safer during high winds. Measures are in place to try to ensure the safety of our homes and the people who live in them.

One of the things you can do to make absolutely certain your home is in shape for a big storm is to obtain a Wind Mitigation Certification of windstorm inspection. These Wind Certs as they are called will also help lower your insurance premiums considerably. What is a Wind Cert? According to Wikipedia:

“A windstorm inspection, also referred to as a windstorm mitigation inspectionwindstorm insurance inspection or wind mitigation inspection, is a kind of home inspection common in the coastal areas of the Southeastern United States. The purpose of a windstorm inspection is to determine the appropriateness of a given structure’s construction in the event of strong winds, such as those present in a hurricane.

Windstorm inspections look for construction features that have been shown to reduce losses in hurricanes, such as a hip roof, concrete block construction, the presence of gable end bracingshutters and opening protections, the presence of roof to wall attachments such as toe nails, clips or hurricane straps, and the presence of a secondary water resistance barrier.

A homeowner with windstorm insurance can often submit the results of a windstorm inspection to their insurer to obtain discounts on their windstorm insurance. In Florida, for example, premium discounts for certain favorable wind mitigation features are mandated by State law and can total 45% of the original policy’s premium. In coastal parts of Texas, the State mandates windstorm inspections prior to certifying a new building.”

Windstorm Inspections, or Wind certifications are offered by independent contractors and the best ones are often offered by Home inspectors and General contractors. Sebastian Insurance highly recommends getting a Wind Cert, not only for insurance purposes, but also for your piece of mind. Give us a call and we can connect you with a reliable Wind Cert contractor.

Bill Kriener

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Wildfires Can Happen Anywhere

Home and Residential Insurance, Sebastian FloridaWhile wildfires seem to happen more frequently out in California and along the west coast, even here in Florida wild fires can start . Just about every state has had fires over the last millennium. The more new developments move into areas that were previously pastureland, the more damage a wildfire can do.

Before a Wildfire ever hits your area it is important to:

Know What Your Insurance Covers and How Much You Need

  • Does your homeowner’s insurance policy covers repair or rebuilding costs.
  • If you can’t live in your home, most policies we offer at Sebastian Insurance will pay additional living expenses as provided in your policy. Review your policy for detailed coverage explanations.
  • Review your insurance policy once a year to make sure you have enough coverage to rebuild based on current construction costs.
  • Work with an independent building contractor to get a precise estimate, and talk to your agent about your building’s unique features.

How to Reduce Wildfire Damage

  • Clear all the brush around your home.
  • Plant succulents and other green deciduous plants that contain water around your home.
  • Remove or prune low-hanging tree branches.
  • Cut grass and weeds regularly and keep your roof and yard clean, especially from dry yard debris.
  • Don’t stack any combustible materials near your home .
  • Keep signs and addresses visible so firefighters can easily locate your property.

During a Wildfire

Protect Yourself and Your Family

  • If a wildfire starts in your area, monitor local news reports for evacuation procedures.
  • Prepare for evacuation by turning off gas valves and pilot lights, closing all windows and doors, and packing your car for quick departure if there is time and it is safe to do so.
  • Return to a burned area only when local authorities have instructed you to do so.

Bill Kriener

Sebastian Insurance covering Vero Beach, Sebastian, Fellmere, Grant, Micco, John’s island, orchid island and all of Brevard County, Indian River County

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Customer Service

The Power of Customer Service

At Sebastian Insurance we really do go theHelping hand extra mile for our customers. I know other companies say they do, but I don’t think all of them actually practice what they preach.

I would like to share with you a situation which occurred recently with one of our clients. This gentleman was a referral from another client so we did not yet know him very well. He was in the process of purchasing a second home in Vero and came in to have us write an insurance policy on his new home. We got all of the paperwork in order, obtained the proper signatures and got the process going. Our new client left for his full time residence and we thought all was well.

About a week later we needed some further information from him and we attempted to make contact. Our phone calls went unreturned so undeterred we took it one step more and attempted to have the documents delivered to him, but those were returned. We were mystified, but that didn’t stop us. One of my agents managed to track him down through the referral source and all was well.

He had neglected to inform us that as well as purchasing a new second home here in Vero Beach, he was also in the process of selling his home up North and moving to a new one. We now have all the updated information for him so we expect smooth sailing from here out. And our new client was so impressed that he referred some new friends.

The bottom line is whether it results in referrals or not, for us customer service is important. When people appreciate the level of service we provide it is gratifying!!


Bill Kriener

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Insuring Teen Drivers


Most of us working here at Sebastian Insurance have children. During their early years we have spent a good deal of our time shuttling them from home to school, to after school activities and play dates. By the time they are teenagers we are torn between wanting them to be able to drive themselves, and worrying about them getting their license and driving themselves.

The insurance companies we work with offer various programs that help your teens to become safer drivers. One of them is the Teen Safety Rewards Program.

It encourages better drivers. Parents and agents all want teen drivers to be safer on the road. That’s why the Teen Safety Rewards Program includes helpful resources like the Road Ahead Guide and the Parent-Teen Contract to help you prepare your teen drivers before they get behind the wheel.

I will let you know, insuring a Teen Driver in Sebastian, Vero Beach, or anywhere in Indian River County can be a big expense. Insurance companies charge more to insure teens  because they are inexperienced drivers. However, at Sebastian Insurance, we offer a range of options to help you manage the cost of insuring a teen driver, including:insuring teen drivers

Good student discount: Applies if a teen maintains a grade point average of 3.0 (B) or better, makes the honor roll, or is in the top 20% of his or her class.

Driver training discount: Parents can save if their teen has completed an approved driver education program.

Distant Student discount: Available if a teen is in school more than 100 miles away from home without a car.

There are other incentives and rewards we can offer you to help defray the cost of your teenager’s Insurance. Give us a call and we can help you keep the costs of insuring your teen driver as reasonable as possible.



Bill Kriener and associates

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Vero Beach Area

Sebastian, vero beach, InsuranceIconThe name of our agency is Sebastian Insurance, but don’t let that stop you from contacting us if you live in Vero Beach. We also write policies for people all over  Indian River County  including  Vero BeachSebastianFellsmereOrchid, and Indian River Shores  .

We offer all of the “standard” insurances you commonly think of such as:

Homeowner’s Insurance

Boat Insurance

Recreational Vehicle Insurance

Flood Insurance

Commercial Insurance for local businesses

At Sebastian Insurance we also offer insurance for very specialized situations, like weddings and elephants. Sebastian Insurance goes all out for our customers, and it doesn’t make any difference whether you reside in Vero Beach, Sebastian, Fellsmere, Orchid, John’s Island or Indian River Shores full time or part time, we are happy to help.


Bill Kriener and associates at Sebastian Insurance serving all of Indian River County and Brevard County..


Homeowners Insurance vs. Flood Insurance

Flood Insurance, Sebastian Florida


We live in a tropical environment here in Florida and much of the land here is barely above sea level.  We are a state with water, water, everywhere.  It comes down from the sky all summer, it’s in our lakes and rivers and here in Indian River County, we are located right on the ocean. So when we get hit with heavy tropical storms or hurricanes, it is a safe bet that some flooding will occur.

There are two types of policies that cover losses due to water damage—homeowners insurance and flood insurance. These provide two separate and distinct types of coverage. They do not duplicate coverage, but complement it.

Most homeowner policies cover damage to your home caused by a sudden and accidental water event, like a burst pipe, wind-driven rain or melting snow that seeps into your home after a winter storm.

Water damage caused by poor home maintenance such as overfilled gutters, lack of roof upkeep, condensation buildup due to inadequate ventilation or ignored leaks is generally not covered.

Flood damage to your home and belongings is also not covered under your homeowner policy. For flood damage you will need a separate flood insurance policy. Information about a Flood Insurance policy is available through our office at Sebastian Insurance. If  you live anywhere in south Florida, we can help you.

If you are a new homeowner, or if you have never lived in an area where flooding occurs, please give us a call and we at Sebastian Insurance can work with you to obtain Flood Insurance. Yes it costs a little more to have it than it does to go without, but I have seen the heartache that NOT having Flood Insurance can cause, and it’s hardly ever worth the amount of money saved.


Bill Kriener


Sebastian Insurance, Insurance for homes, Insurance for Cars, Insurance for Boats, Insurance for Jewelry

Motor Cycle Safety Tips

At Sebastian Insurance we have customers in Sebastian, Wabasso, Vero Beach, Palm Bay, Ft Pierce and Pt St Lucie and in almost   all of  those cities we have customers who drive motorcycles. Big, long distance cruising bikes, and smaller, faster and lighter bikes and everything in between.

Motorcycles are an economical and enjoyable way to get from place to place. You will get no argument on that from us, but we must not tell a lie, they are not the safest means of transportation. They leave the rider vulnerable and exposed, and if the rider chooses not to wear a helmet, they are even more vulnerable to severe head injuries.

More often than not, motorcycle accidents are NOT caused by the riders themselves, they are caused by other drivers in automobiles. In order to try and keep riders safe, the Motorcycle Safety Foundation has published these tips for Motor Cycle Safety:

“QUICK TIPS: General Guidelines For Riding A Motorcycle Safely

Be visible: 
• Remember that motorists often have trouble seeing motorcycles and reacting in time.
• Make sure your headlight works and is on day and night.
• Use reflective strips or decals on your clothing and on your motorcycle.
• Be aware of the blind spots cars and trucks have.
• Flash your brake light when you are slowing down and before stopping.
• If a motorist doesn’t see you, don’t be afraid to use your horn.

Dress for safety: 
• Wear a quality helmet and eye protection.
• Wear bright clothing and a light-colored helmet.
• Wear leather or other thick, protective clothing.
• Choose long sleeves and pants, over-the-ankle boots, and gloves.

Execute strategy (SEESM) to increase time and space safety margins.

• Give yourself space and time to respond to other motorists’ actions.
• Give other motorists time and space to respond to you.
• Use lane positioning to be seen; ride in the part of a lane where you are most visible.
• Watch for turning vehicles.
• Signal your next move in advance.
• Avoid weaving between lanes.
• Pretend you’re invisible, and ride extra defensively.
• Don’t ride when you are tired or under the influence of alcohol or other drugs.
• Know and follow the rules of the road, and stick to the speed limit.

Know your bike and how to use it:

• Get formal training and take refresher courses.
• Call 800.446.9227 or visit to locate the Motorcycle Safety
Foundation hands-on Rider Course SM nearest you.
• Practice. Develop your riding techniques before going into heavy traffic. Know how  to handle your bike in conditions such as wet or sandy roads, high winds, and uneven surfaces.”

Bill Kriener

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