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


Summertime Grilling!


Its the summer here on the treasure coast! The weather is sizzling just like our grills!

Hot dogs and Hamburgers are the sign of summer. Back yard barbecues created wonderful memories with family and friends.

We must always keep in mind though that when your grilling you are literally playing with fire. Its easy for a great memory to turn into something scary. From burn injuries to damage to your home.

Here are some tips to help make sure you only cook the burgers on the grill.

Whether you prefer gas or charcoal, you should keep your grill on a level surface, away from any thing that is flammable (bushes, palm trees, fences, etc.). Never take your grill indoors! Carbon monoxide fumes are deadly. Also never leave your grill unattended or around children at play.


For our Charcoal lovers you should never add lighter fluid directly to hot coals. A flame can travel up the stream and burn you. You should also never use gasoline or kerosene to start your charcoals. Use flame -retardant mitts or long handled tongs, coals can reach up to 1,000 degrees. You can find these supplies all at our local Walmart or Home Depot here in Sebastian or Vero Beach. When your grilling is done you want to allow the ashes to cool for at least 48 hours before disposing in a non combustible container.


Gas Grills are another choice for making delicious summer meals. Before you start to cook check for leaks in hoses. Turn on your grill and apply light soapy water to the hose if there is a leak bubbles will release. Once you turn the grill off the bubbles should stop and you can call a professional to service it. If you turn the propane take off and bubbles continue make a call to your local fire department.

If your in the middle of cooking and start to smell gas remove yourself from the grills surrounding area and call the fire department. Never move your grill!

You do not want to keep propane filled tanks in your car or tuck. We live in Florida our vehicles get extremely hot and this is a serious danger. Make sure your last stop on the way home is to refill your grills tank. When storing propane tanks make sure they’re in an upright position and never indoors.

From all of us at Sebastian Insurance , happy grilling and stay safe!

Article by Megz Montalvan

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Repair Estimates, Know the steps…

Auto and Car Insurance, Sebastian Florida

Here at Sebastian Insurance we want to make all the steps with insurance more comfortable. You know you can always call and rely on us to answer any of your questions to help you through easy or difficult situations. Insurance can be confusing and our agents will help you understand.

Something that we can help you through is when an accident happens, big or small, we are there to help guide you through the steps.

It happens to all of us at one point in our life or another. Here in Sebastian and Vero Beach we get the lovely summer thunder storms. 10 minutes of torrential down pours is all it takes for an accident to happen. Or maybe at a snug gas station someone pulls up a little too close. A shopping cart at Walmart decides to have a date with your brand new car. You can call us and we will guide you to get everything taken care of. One of the biggest headaches  after an accident occurs is that your vehicle needs to be repaired and that all begins with an estimate.


Estimates are exactly that. Estimating the cost to safely repair your vehicle before you were in an accident. This can vary depending on labor rates, parts, and time to perform certain repairs. This breaks down to the initial estimate, supplemental and agreed price.

Initial estimate

The first step after an accident is to get your car, motorcycle, or vessel to a repair shop. A claims representative though your insurance company prepares the initial estimate so repairs on your vehicle can start. They will guide you through the choices you have to fix your car.  You can choose to let everything go through the company and they will handle everything for you, they will choose the shop for you. If you choose not to go that route you can bring your car to a repair shop in your network or to your favorite mechanic even if its out of the network.

Supplemental Estimate

When your vehicle is being repair there is a chance the mechanic may find additional damage. This is when your insurance company will step in to “re-inspect”. This is not unusual. When an accident happens somethings can not be seen during the original estimate, they cannot be physically seen from the outside. If this occurs your representative and auto shop will review the damage again together and make changes as needed for an appropriate estimate.

Agreed Price

Insurance companies write estimates based upon parts and labor cost for the repair of the vehicle. If for some reason the mechanic who fixed the car has a higher rate than your representative has come up with they will discuss the difference and work on a fair agreement. Having the insurance company there to keep you informed of all the repairs every step of the way to keep you stress free. Having an accident is enough so you don’t need to worry about anything else.

The most important part is that everyone is safe and healthy after an accident. We are also there for you if you not only your vehicle was hurt.

Contact us if you would like more information of the Repair Process.

Article by Megz Montalvan

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Blue Water Open Sebastian FL

We are proud to have been a sponsor of the Blue Water Open Offshore Charity Fishing Tournament this year. The event took place at Capt Butchers in Sebastian and had an amazing turn out. All profits went to the Prevention of Child Abuse and support for other youth activities. We sponsored the vessel “Jen’s Revenge” and Amanda Merrill won the Lady Angler award for catching a 27lb. King Fish. Congratulations Amanda! We hope everyone had a wonderful time. We want to thank you for showing your support for such a great cause.

Amanda Merrill Lady Angler 27lb king fish

Amanda Merrill Lady Angler 27lb king fish


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Emergency Kit Tips!


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BNI Feature of the Week!



Sean Prescott



945 Seastian Blvd # 6, Sebastian, Florida 32958

 Re/max Crown Realty has been providing services to the Sebastian and Vero Beach areas for over 20 years. They provide a full time staff of professionals who have received many awards including Executive club, 100% club production and Hall of Fame Awards.

When looking for the highest quality in real estate service you can pick Re/max Associates! Specializing in marketing vacant land, residential re-sales, rentals, new construction, commercial and land development. They will make your sale or purchase as effortless and smooth as possible.

Re/max Crown Realty’s Sean Prescott takes great pride and joy in his accomplishments. Not only in his work but the community as well. Sponsoring local events in Sebastian and Vero Beach with his fellow agents. He will work around the clock to make your experience as graceful as he can. When you choose Sean your definitely in the right hands.

He is truly your home grown realtor in Indian River and Brevard County. You can give him a call anytime and get started with your journey in real-estate without the stress and hassle.

sean prescottr

Phone: (772) 413-1320


Website: seanprescott.remax.com772-589-3054

Facebook: SeanBPrescott

Article by Megz Montalvan

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The 3 second Rule…

and we don’t mean your food…


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Prepare for a Treasure Coast Motorcycle Trip

How to Prepare for a Treasure Coast Motorcycle Trip


photo by Megz Montalvan

We live in a beautiful state one of the biggest things to do around the Sebastian and Vero Beach area is go for a nice ride. Whether it’s just up Beachside on A1A or across the state. The wind in your hair and the open road of freedom. But where do you start when planning this wonderful adventure?

Sebastian Insurance has a few tips for your next trip:

Let’s start with always packing pretty light and do a little research on where you plan to travel. You can always switch up your route but just get a general idea of the areas you’ll be around. There is many websites to help you with travel plans Harley Davidson’s ride planner is just one.

Take as many breaks as you need to. When you’re tired rest, this will definitely help ensure a safe ride. After all you’re not in a rush. This is for enjoyment.

Booking hotels before you show up is always a good idea for better rates. There are wonderful hotels with great rates around the treasure coast to stay at so this shouldn’t be a problem.

Make sure you tell friends or family members where you’re going and about when you’ll be back. This is to ensure that if anything does happen someone will know when to expect you back and report the authorities if you do not.

As I mentioned earlier to pack light, what does that really mean, one riders light packing may not be another’s. So here is a general guide:

It may be hard but stay light on the clothes, be prepared to wear the same thing for a few days. There is always laundry mats you can stop at on a nice break.

Spare Keys and emergency contact numbers. This means friends, family, roadside assistance and of course US your insurance company.

If you’re unsure about something you want to bring then just forget it. If worst comes to worst you can most likely buy it somewhere if you really need it.

One of the most crucial things to do before a trip is to make sure your motorcycle is current with all maintenance. Do a full inspection before you hit the big open road. Always carry a repair and emergency kit with you. And since you are packing a little more for a farther travel try to distribute the weight load on your bike as even as possible.



The last and most important tip we have is to make sure you have the right motorcycle insurance coverage. You can come to Sebastian Insurance for great policies that cover all your needs. We have been serving the Sebastian and Vero Beach Areas for over 25 years. We have excellent customer service that will make your insurance experience as comfortable and easy as possible. We’ll here before you go, while you’re on the road and when you get back nice a safely. Have an awesome trip and take a lot of pictures for us to see when you get home.


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Article by Megz Montalvan



BNI Feature of the Week

BNI Feature of the week

Joel Stout



“For Your Pests With More Than Two Legs”



Sandpiper Pest Control is a family run business based in Sebastian, Florida since 1998.Certified by the state of Florida to treat homes, lawns, and termites. They are fully licensed and insured so you can feel secure when you choose them. They believe in treating each customer as a person and not just another number.

From ants on the kitchen counter, cinch bugs in the lawn to termites in the wall you will receive individual attention no matter what your issue is. With friendly and knowledgeable technicians whom are always attending continuing education courses they will not only take care of your pest problems but get you more familiar with prevention and after care.

Being reasonably priced and with no contracts required for treatments you can keep them as long as you would like. They are always there to help with creepy crawlies in the Sebastian and Vero Beach area.


Their services include but are definitely not limited to:





Cinch bugs

Sod Web- worms


Exotic Pest (Special pricing)


Call now and schedule a free estimate!

Sand Piper Pest Control

 1323 N Central Avenue

 Sebastian, Florida 32958

 Telephone: 772-589-0204

Email them through their website at:

Article by Megz Montalvan

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Don’t “DIY” With Insurance…

Don’t “DIY” With Insurance…

Being Americans we love our Independence. We love to dabble in “Do It Yourself” projects all the time. From cooking to fixing appliances around our homes. Why not? Makes you feel good and most of the time can save you big bucks. That’s Excellent! But there are some things we should leave to the experts like flying an airplane, race car driving, and Insurance policies. You wouldn’t trust someone who wasn’t educated in aviation fly your airplane would you?

Today there are so many websites and toll free lines you can call to “get cheaper insurance right now” but there’s always a price. Maybe not right away of course when you do it yourself your goal is to save as much money as possible the premium may sound wonderful but how is your coverage?0068777F1_Toasted-Coconut-and-Orange-Icebox-Cookies_s4x3.jpg.rend.sni12col.landscape

Think of the first time you baked a batch of cookies, not as good as maybe say Chef Emerald. Would you want to take that chance with your Dwelling coverage? You’ll be tempted to keep this amount low. Dwelling is part of your home policy that protects you from fire, wind and hail. If a situation happens and your home becomes “uninhabitable” are you absolutely positive you’re covered. What about your possessions and other structures around your home? I wouldn’t want to take a chance. Especially in The Sebastian and Vero Beach areas come hurricane season no one should be questioning their policies. This number should be enough to rebuild your house from the ground up. That doesn’t necessarily mean the amount you paid for it either. This requires knowledge on local building cost and square footage of your home. Our agents’ are educated in this area to make sure your dwelling price is correct for you.

Another piece of the insurance puzzle is deductibles. A deductible is the amount you agree to pay towards a claim. Setting your deductible high will reduce your premium but what if you’re deductible is too high? Well you can say goodbye to your coverage. Our Agents’ will make sure your deductible isn’t too high. We don’t want you to chase those immediate savings and put your future at risk.Money House

Standard home policies usually do include some of your personal possessions. Your dwelling amount is part of this too. Your coverage is usually set to 50 and 70 percent of your limit. An example would be if you had $200,000 worth of dwelling coverage, $100,000 to $140,000 would protect your personal belongings. But what if you have some special valuables? Collectibles, Music Equipment, Jewelry Etc. Well if they’re stolen or destroyed wouldn’t you want to be completely comfortable knowing they’re covered. At our office we make sure that you’re completely covered for all of your items. Our Licensed Agents’ will help schedule endorsements and extend your coverage to where you need it.

Now on to liability. There is two different types of liability insurance that can help you if someone is injured on your property. Personal protection and Medical coverage most “Do it yourselfers” don’t realize their limits and what they really mean. With Personal liability if someone gets hurt and sues you it helps pay for legal defenses usually up to $100,000 so what happens if the case against you more than $100,000? The cookie crumbles. Medical liability is there if someone doesn’t sue and again this number is usually set low at around $1,000. We all know when it comes to Doctor visits that number can be met in no time. You will be responsible for everything over $1,000. Still have a sweet tooth for quick savings?

Another temptation for a DIY-er’s is when the beautiful day of no more mortgage comes around! There’s no law requiring you to have home insurance. But there is also no law that will help you if a robber breaks in and gets away with all of your possessions you used to make those wonderful cookies.

It’s great to do some things on your own but there is professionals out there for a reason. Sometimes you shouldn’t take the chance. Especially when that chance can wind up costing you up to or more than $100,000.

Auto, home, business, commercial, life insurance, Sabastian Insurance.

So come into our office today for a free quote. Our Agents have been serving the Sebastian and Vero Beach areas for over 25 years. Every client is unique and has different scenarios. We will make sure you get the coverage that is well suited for you with the best rates. And we don’t just do homeowners insurance. We can help you with all your insurance needs from Jewelry to Commercial Policies. Sebastian Insurance is also known for its wonderful customer service and knowledgeable agents. We can’t wait to help make your experience with insurance policies as smooth as butter. Speaking of butter why don’t you bring in that batch of cookies for us to try too!

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Megan Montalvan






Safe packing tips for your road trips!


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