Melo Insurance Services was started by people that were keenly aware of the limitations and lack of options available to captive agents. Captive agents work for one company (State Farm, Farm Bureau, Allstate, Nationwide) and can only offer insurance from that one company. It is not uncommon for one of these companies to raise rates by 15-25% in any given year.
When this happens, the agents are "captive" - they cannot offer you any real options. We can offer you a wider choice of auto, home, business, life and health coverages as well as retirement and employee-benefit products. Now you can develop a long-term relationship with a trusted agent who has options to insure you through every phase of your life.
Whether or not any of these apply to you, chances are Melo Insurance can help. We have access to many of the largest national and global insurance carriers. Our state-of-the-art software will match your specific requirements with the best insurance solution. Switching to Melo will take less than 20 minutes of your time, and we will help you get all appropriate refunds from your existing company.
When this happens, the agents are "captive" - they cannot offer you any real options. We can offer you a wider choice of auto, home, business, life and health coverages as well as retirement and employee-benefit products. Now you can develop a long-term relationship with a trusted agent who has options to insure you through every phase of your life.
Whether or not any of these apply to you, chances are Melo Insurance can help. We have access to many of the largest national and global insurance carriers. Our state-of-the-art software will match your specific requirements with the best insurance solution. Switching to Melo will take less than 20 minutes of your time, and we will help you get all appropriate refunds from your existing company.
Services
Covers auto damages from causes such as fire, theft, hail, vandalism or many other events.
Protects against a claim or lawsuit if others are injured in an auto accident that you or your family are considered legally responsible.
Protects against a claim or lawsuit for any damage you may cause by an auto accident to someone else's auto or property.
Pays for reasonable medical expenses, or certain other expenses resulting from an auto accident for you, your family and your passengers.
Protects against a claim or lawsuit if others are injured in an auto accident that you or your family are considered legally responsible.
Protects against a claim or lawsuit for any damage you may cause by an auto accident to someone else's auto or property.
Pays for reasonable medical expenses, or certain other expenses resulting from an auto accident for you, your family and your passengers.
Personal Liability, that protects you and your family against a claim or lawsuit if someone is injured or their property is damaged while at your home.
Provides the extra insurance you need to rebuild your house if your coverage amount is inadequate.
Provides assistance from a consumer fraud specialist and covers expenses related to restoring your good name and financial reputation.
Provides a blanket of coverage that is broader than what a basic Homeowners policy provides.
It is the right coverage for people who own valuable possessions such as jewelry, artwork cameras and computers.
Provides the extra insurance you need to rebuild your house if your coverage amount is inadequate.
Provides assistance from a consumer fraud specialist and covers expenses related to restoring your good name and financial reputation.
Provides a blanket of coverage that is broader than what a basic Homeowners policy provides.
It is the right coverage for people who own valuable possessions such as jewelry, artwork cameras and computers.
If any of these describes you, Melo can provide peace of mind through a vast array of insurance offerings.
Insurance provides the maximum benefit for the least cost.
Melo can offer terms anywhere from 5 to 30 years and will search out the best value for your specific need.
Insurance (or whole life) combines insurance with an investment tool that builds value over time.
Insurance provides the maximum benefit for the least cost.
Melo can offer terms anywhere from 5 to 30 years and will search out the best value for your specific need.
Insurance (or whole life) combines insurance with an investment tool that builds value over time.
In today's fast-paced environment, it is becoming more important than ever for businesses to have insurance that keeps pace with evolving risks.
From core property casualty products such as auto, general liability, umbrella excess liability, property insurance and workers compensation to specialized coverages including errors and omissions liability and business interruption, Melo stands ready to partner with you and your business for the protection you need.
Our broad array of product offerings is sure to meet your needs whether you are a sole-proprietor, a midsize company, or a growing business with unique insurance requirements.
From core property casualty products such as auto, general liability, umbrella excess liability, property insurance and workers compensation to specialized coverages including errors and omissions liability and business interruption, Melo stands ready to partner with you and your business for the protection you need.
Our broad array of product offerings is sure to meet your needs whether you are a sole-proprietor, a midsize company, or a growing business with unique insurance requirements.
We have chosen Hagerty to ensure your collector autos.
Most collectors like yourself know Hagerty as a trusted name in the business.
Now you can have one agency insure all of your trusted assets - including your collector vehicles.
Low Premiums-On average, a Hagerty policy is 37%* less expensive than a regular use policy.
Agreed Value Coverage-Most auto insurers determine what they - not you - believe is the "Actual Cash Value" of your vehicle at the time of the loss.
Others may offer a pre-determined, "Stated Value" which covers you "up to" your policy amount minus depreciation.
Most collectors like yourself know Hagerty as a trusted name in the business.
Now you can have one agency insure all of your trusted assets - including your collector vehicles.
Low Premiums-On average, a Hagerty policy is 37%* less expensive than a regular use policy.
Agreed Value Coverage-Most auto insurers determine what they - not you - believe is the "Actual Cash Value" of your vehicle at the time of the loss.
Others may offer a pre-determined, "Stated Value" which covers you "up to" your policy amount minus depreciation.
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