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


Motorcycle Insurance for Vero Beach & Sebastian

Motorcycle Insurance in Vero Beach, Sebastian

For our customers in Sebastian and Vero Beach, Orchid Island and John’s Island, Wabasso and areas in between, we have Motorcycle/Off-Road Vehicle Insurance.

We can insure all types of motorcycles from Regular Bikes to :

Street Sport Bikes


Limited Production Cruisers

Touring Bikes

We also insure these types of Vehicles as well:


Dirt Bike/Off Road


All terrain Vehicles



Segways and other personal transporters

Golf Carts

Snow Mobiles

For those special bikes we even have accessory coverage which provides up to $3,000 in coverage for no extra premium. Additional coverage may be purchased, providing coverage up to $30,000.

All coverages are subject to policy terms and conditions and are not available for all products in all states, just give us a call and we can discuss the specifics of your special vehicle.

Bill  Kriener

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Holiday Safety Tips

Holiday Pet Safety Tips from Sebastian Insurance

The Holidays are a time of coming together and celebration, but it’s also a time of the year when  accidents may occur . They say an ounce of prevention is worth a pound of cure so we thought we should post something for our great customers here in Vero Beach and Sebastian to help with Holiday Safety.

 Here are some holiday safety tips for those of you with pets to keep in mind:
  • If you  have a Christmas tree, make certain that your tree stand is plenty sturdy. It is also important to put some type of lid on the water for your  live tree. It is very dangerous to your pet if they drink water laced with the preservatives that keep your tree looking lush and green.
  • We also recommend not placing decorations made of glass on lower branches because if your dog or cat manages to get those in their mouths they could break and the glass shards will cut the insides of their mouths.
  • Be careful of the plants you chose to place around your home. Plants like mistletoe, holly and poinsettia are poisonous to animals. Decorations such as tinsel, garland and candles can also cause problems, so if you are going to use any of these in your decorating, make certain they are up high where your pet is not likely to be able to eat them, or knock them over.
  • Even presents can cause a problem if your pets get into them and eat the ribbon or other packaging. And Christmas treats like candy, cookies and popcorn if left around can cause problems for your pets as well. No one wants to spend Christmas morning at the Emergency Veterinarian Hospital with a sick or injured pet. So this Holiday Season, take some preventative measures to have a peaceful holiday, and keep your pets safe.

Happy Holidays !!

Bill Kriener

Holiday Boat Parade in Vero Beach

Don’t forget that the Exchange Club of Vero Beach is selling Christmas Trees for the next few weeks. The trees are beautiful and they still have plenty. It’s all for a good cause, the Exchange Club Prevention of Child Abuse Programs. Ou Tree lot is located on 37th street, on the corner of the street leading to the Emergency entrance of Indian River Hospital.

Now, for other important news, SAVE THE DATE!!

This Friday night begins Vero Beach’s Annual Holiday Boat Parade!!Boat Parade Vero Beach Florida

 Friday, December 5, 2014 at 6:00 pm the festivities will begin.

From the TC Chronicle:

“Vero Beach (Indian River County) Beach Parade
DATE: December 5th, 2014 6:30
INFO: Festivities begin at 6:00PM with the Tree Lighting Ceremony conducted by city officials at Royal Palm Point. Boat parade begins in the intracoastal waterway between the bridges and finishes at the Vero Beach City Marina.
Viewing stations – Royal Palm Point and Vero Beach City Marina.

Owners of small boats (with a draft of four feet and under) and large boats (with a draft of over four feet) are invited to be part of the Holiday Boat Parade.

Boats will begin their parade from the north side of the Barber Bridge in the Intracoastal Waterway, proceed south to Quail Valley and return to the starting point. There will be two viewings of the colorfully lit boats from the dock at Royal Palm Pointe between 6:45 and 7:45 p.m.

Emcees Dan and Geoff from The Morning Show-The Breeze FM will announce the details. Following the parade trophies will be presented to the winners in the decorative, originality, crew participation, audio and light and quality of execution categories.”

Come on over, we hope to see you there !!

Bill Kriener

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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

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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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