Protecting What Matters Most to You, One Policy at a Time.
At Melissa Ems Insurance Agency, we believe that insurance doesn't have to be a daunting or overwhelming experience. In fact, we're dedicated to making it easier for you to get the coverage you need to protect yourself, your loved ones, and your assets. Our story began in 2010 when we opened our doors with a simple yet ambitious vision: to be the best independent insurance agency in St. Petersburg, Florida.
Our team is led by Melissa Ems, a third-generation insurance professional with a passion for delivering exceptional customer service. With over three decades of combined experience in the industry, our team has earned a reputation for being knowledgeable, trustworthy, and genuinely caring. We truly believe that insurance should be about building relationships, not just writing policies.
Our Services
At Melissa Ems Insurance Agency, we offer a wide range of insurance services designed to cater to your unique needs and goals. Whether you're looking to protect your personal assets, business, or loved ones, we're here to guide you through the process, ensuring that you get the right coverage at the right price.
Personal Insurance
Our personal insurance services include:
- Vehicle insurance for your car, motorcycle, or RV
- Property insurance for your home, condo, or rental property
- Life insurance to protect your loved ones
- Health insurance for your medical needs
- Toys insurance for your golf carts, motorcycles, boats, and other recreational vehicles
- Equine insurance for your horse or other equine animals
- Aviation insurance for your plane or helicopter
Business Insurance
As a business owner, you've worked hard to build your business, and we're here to help you protect it. Our business insurance services include:
- Commercial property insurance for your office or store
- Business liability insurance to protect you from potential lawsuits
- Workers' compensation insurance to protect your employees
- Umbrella insurance to cover your business assets
Other Services
We also offer additional services to ensure your peace of mind:
- Policy transfers for when you relocate
- Wind mitigation reports to help reduce your insurance premiums
- 4-point inspections to assess the condition of your home
- Claims assistance and representation
What Our Clients Say
Don't just take our word for it - our clients rave about our services:
- "I was ecstatic to learn that Melanie and her team were able to save me $205 a month on my premium without giving up any of my coverage!"
- "Melissa and her staff are awesome! Everyone is friendly and sees things through until completed."
- "I like this agency because I can TRUST them."
Frequently Asked Questions
We've compiled a list of frequently asked questions to help you better understand our services:
- What is a 4-point inspection and do I need one?
- What is a wind mitigation report and do I need one?
- Is there a discount for the color of my car?
- What is a declarations page?
Get Started Today
At Melissa Ems Insurance Agency, our mission is to provide unparalleled customer service, expert guidance, and tailored insurance solutions that meet the unique needs of each client. Contact us today to start building a relationship with us and protecting what matters most to you.
Service and Quality
The reviews for Melissa Ems Insurance Agency are mixed, with both positive and negative experiences reported. On the positive side, several reviewers praised the agency's responsiveness, competitive service, and knowledgeable staff. They appreciated the ease of communication, both through phone, email, and text, and the helpfulness of the agents in finding the right coverage.
On the negative side, some reviewers reported experiencing unprofessional behavior, including arrogance, rudeness, and condescending communication from the agency's representatives. They criticized the agency's handling of specific situations, such as policy renewals and cancellations, which they felt were done in an unprofessional and dishonest manner.
Responding to Criticisms
The agency has been accused of being unresponsive to client concerns, with one reviewer reporting that it took five days to receive a callback. Additionally, some reviewers felt that the agency's representatives were not forthcoming with information and were unwilling to communicate with them in a timely and professional manner.
Preying Off Loyalty
One reviewer reported having their homeowners insurance cancelled without notice during hurricane season, despite having spoken with two representatives who assured them the policy would be renewed. The reviewer felt that the agency was more concerned with covering their friend (the policyholder's ex-husband) than with running their business appropriately.
Complaints and Disputes
The agency has been reported to have handled disputes and complaints poorly, with one reviewer feeling that the agency's representatives were dishonest and unwilling to take responsibility for their actions. The reviewer reported having to deal with multiple phone calls and emails, only to be met with unprofessional and dismissive responses.
Conclusion
In conclusion, the reviews for Melissa Ems Insurance Agency are mixed, with both positive and negative experiences reported. While some reviewers praised the agency's responsive and competitive service, others reported experiencing unprofessional behavior and poor handling of client concerns.
