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


Special Holiday Cookies



2 cups all-purpose flour
2 tablespoons packed orange zest
1/2 teaspoon table salt
1 cup unsalted butter, at room temperature
1/2 cup granulated sugar, plus extra for rolling cookies
1/4 cup packed light brown sugar
1 large egg, at room temperature
1 teaspoon vanilla extract
1 cup toasted sweetened coconut
6 ounces semi-sweet chocolate, roughly chopped
Heat oven to 350 degrees F and arrange a rack in the middle.

Combine the flour, zest, and salt in a large bowl and whisk until evenly combined.

Using a stand mixer fitted with a paddle attachment beat together butter and sugars over high-speed until light and airy, about 2 minutes. Add the sugars and beat until fluffy and the mixture looks like wet sand, about 2 more minutes. Add the egg and vanilla and mix until just combined.

Reduce the speed to medium and add the flour mixture and coconut and beat until just evenly combined. Lay 2 large pieces of plastic wrap on a clean work surface and put half of the dough along the center of each piece. Shape the dough into 2 logs measuring about 1 1/2-inches in diameter and 10-inches long. Roll logs up in the plastic and secure tightly. Refrigerate the logs for 1 hour or up to several weeks.

Cut the logs into 1/2-inch slices. Roll the cookies in sugar to coat and shake off excess. Arrange on a baking sheet, leaving 1/2-inch between the cookies. Bake until set and golden on the edges, about 15 to 18 minutes. Remove to cooling racks to cool completely.

When cookies are cool, melt the chocolate in a small pan over medium-low heat until smooth. Dip half of each cookie into the chocolate, scrape off excess, and set on a cooling rack. Refrigerate for at least 15 minutes to set up before serving.

Recipe courtesy Aida Mollenkamp


Bill Kriener

Sebastian, vero beach, InsuranceIcon

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Flood Zone Information from Vero Beach, FL

The City of Vero Beach recently sent out information regarding the hazards of flooding. They have also placed that same information on their COVB (City of Vero Beach) website. Some of it is only pertinent to Vero Beach, but some of the information contained in the document can be applied to any situation where flooding occurs.

” Flood Safety Measures

City of Vero Beach residents can protect themselves from the flood hazard in our City by taking measures to insure the safety of life and property before, during and after a flood occurs. Safety precautions that can minimize the potential losses in such events
include: Before the storm. Know Indian River County’s flood warning procedures. Many of these procedures are outlined in this information with more information available from Indian River County Department of Emergency Services. Plan your evacuation in
advance. Know when, where and how you are going to evacuate prior to a storm. Indian River County has posted all primary evacuation routes with blue and white signs.

Evacuation time for Vero Beach could take hours. Evacuation from the barrier island may be longer. Your evacuation plan should provide for your pets, your personal hurricane supplies (food, medicine, etc.) and insurance considerations. If you evacuate, take proper identification and important personal papers and documents along with you. If you live in an area that is particularly vulnerable to flooding, you may want to keep plywood, plastic sheeting, lumber and other materials in stock to help prepare your property for the storm and to aid in emergency repairs afterwards.

Preparation for evacuation. Keep a battery powered radio tuned in to a local station,and if an evacuation order is given, comply with it. Even if the evacuation order turns out to be unnecessary, leaving the area is better than risking the potential loss of life by staying.

When preparing your home prior to evacuation, it is advisable to turn off all the electricity, with the possible exception of the power to your refrigerator. Also, fill your tubs, sinks and any available containers with water, in case fresh water is not available after the storm. Shut off your water main to prevent any contaminated water from backing up into your house. If possible, board up your windows to protect them from flying debris. Move as many valuables as possible to upper floors or higher elevations.
Elevate furniture if possible.

Permanent property protection measures such as structural elevation and flood proofing are non-emergency improvements designed to minimize potential flood damage. Since every structure is unique in its permanent property protection needs, individuals should
call professionals in the field of engineering and architecture for assistance.

After the storm. The City will be working as quickly as possible after the storm to insure a speedy and safe return to your homes. Often times more people are injured after a storm due to unsafe buildings, downed power lines, contaminated water and other
unsafe conditions than are injured in the storm itself. Carefully check for structural damage prior to entering a building. Use caution when reentering the structure.

Turn on electricity one breaker at a time and watch for smoke or sparks.

1) Do not walk through flowing water. Drowning is the number one cause of flood deaths, mostly during flash floods. Currents can be deceptive; six inches of moving water can knock you off your feet. If you walk in standing water, use a pole or stick to ensure that the ground is still there.

2) Do not drive through a flooded area. More people drown in their cars than anywhere else. Don’t drive around road barriers; the road or bridge may be washed out.

3) Stay away from power lines and electrical wires. The number two-flood killer after drowning is electrocution. Electrical current can travel through water. Report downed power lines to the power company or city emergency management office.”

Thank you to the City of Vero Beach for this publication. If you take  a moment to review it, you could save a life.

Bill Kriener

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Before You Hit The Road


It’s the most wonderful time of the year, the Visting family for the holidays, Vero Beach,fltime for Thanksgiving and Christmas visits with friends and loved ones. If your visits with family tend to be more stressful than enjoyable, our condolences. Either way, if you are heading out on the roads for a long Thanksgiving trip, please take some time, at least a week before you leave, to make sure your car or truck is in good shape for a long trip.

Being on the road during the busy holiday peak times is stressful enough, but breaking down makes it even more stressful. Over the next couple of weeks there are some things you should do to make your car ready:

  1. Check your battery, is it nearing the end of it’s life? Are you heading up North where the weather will be much colder?
  2.  Replace old windshield wipers
  3.  Check your oil, antifreeze and water
  4.  How are you tires looking? Are they wearing properly, is it time to get your tires rotated, or replaced?
  5.  How are your breaks? Are they worn? Even if they have some miles left on them, if you are taking a long trip, it could be a good idea to replace worn brake  pads.

Insurance companies such as ours like it best when you are safe. All too often we hear from customers who end up in trouble, when if they had just taken the time to do routine maintenance, they could have had a safe trip with no incidents.

For all of our Insurance customers in Sebastian, Vero Beach, John’s Island, and all of the communities located on the barrier Islands. We wish you safe and happy travels.

Bill Kriener

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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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