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Services

Personal Insurance for Your Life on the Treasure Coast

From car accidents to rising water after a heavy storm, Barbie Prem Insurance Agency helps you prepare for the unexpected. We match you with the right coverage—without confusion, pressure, or the hard sell.

Protect What Matters Most

Whether you’re driving through Port St. Lucie or settling into your new home in Vero Beach, you deserve insurance that fits your lifestyle—and your budget.

As an independent agency, we partner with trusted carriers to bring you a range of personal protection options, flexible pricing, and real support from a local team that cares.

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What’s Included

Our Personal Insurance Services

We offer tailored protection for Treasure Coast residents, including:

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Auto Insurance

Affordable car insurance for everyday drivers.

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Homeowners Insurance

Reliable home protection you can count on.

A modern living room is flooded with water, illustrating how flood protection by an independent insurance agency  is important.

Flood Insurance

Stay prepared before the storm hits.

Why Work With Us

Why Barbie Prem Insurance Agency

Local Knowledge

We understand the risks that come with living on the Treasure Coast—from hurricanes to unpredictable rate changes. We live here too.

Options That Fit Your Life

We work with top carriers like Travelers, Progressive, Citizens, Universal, Heritage, Slide, and many others to help you find the right policy at the right price.

Help When You Need It

Our friendly, local team is here whenever you need advice, updates, or support—just the way Barbie served her clients.

Frequently asked questions

Personal Insurance FAQs

What’s the difference between home insurance and flood insurance?

Home insurance covers fire, theft, and weather damage—but not flooding. Flood insurance is a separate policy and highly recommended in Florida.

Can I bundle auto and home insurance?

Yes! Bundling often saves money and simplifies your coverage. We’ll show you your options.

What’s covered under an auto insurance policy?

We’ll help you choose property damage, liability, and medical coverage to meet your needs and budget.

How much coverage do I need?

That depends on your home value, car model, local risk, and personal preferences. We’ll guide you through it.

Will I be penalized for switching insurance?

In most cases, no. We’ll help you make a smooth transition to a better policy.

Do I need flood insurance if I’m not in a flood zone?

Yes. Even moderate-risk areas experience flooding in Florida. We strongly recommend it.

Let’s Find the Right
Coverage for You

Ready to simplify your personal insurance? Our team is here to help you compare, customize, and feel confident about your protection.

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