Business Details
16 Years
experience
Your Trusted Insurance Partner in St. Petersburg, FL
Founded in 2010, Melissa Ems Insurance Agency is a third-generation, locally owned insurance provider in St. Petersburg, Florida. Our team of experienced professionals specializes in crafting personalized insurance solutions for individuals and businesses, prioritizing transparency, integrity, and community trust. With decades of combined industry expertise, we focus on simplifying the insurance process by offering tailored policies across auto, home, life, health, and commercial sectors.Our commitment to client-centric service ensures clear communication, competitive pricing, and comprehensive coverage. As proud members of the St. Petersburg community, we leverage our deep local knowledge to address unique regional needs while maintaining a nationwide reach through partnerships with top-rated carriers. Our philosophy, rooted in the principle of 'need, not greed,' ensures every client receives honest, fair, and reliable protection for their most valued assets.
Services
Auto Insurance
Homeowners Insurance
Business Insurance
Life Insurance
Health Insurance
Flood Insurance
Umbrella Policies
Equine Insurance
Aviation Insurance
House Lifting Contractor Insurance
Details
- Year established: 2010
Highlights and features
- We offer third-generation insurance expertise with personalized service.
- Our team provides transparent, jargon-free policy explanations and comparisons.
- We specialize in local St. Petersburg market needs and regional risks.
- Our independent agency accesses competitive rates from top-rated carriers.
- We guarantee 24/7 availability for policy reviews and client consultations.
What people say
Professional yet fun
Saved $205 monthly
Treated like family
Quick response time
Trustworthy advisors
Services
Auto Insurance
We provide comprehensive auto insurance solutions for personal and commercial vehicles, including cars, motorcycles, and fleets. Our policies cover liability, collision, and uninsured motorist protections while offering discounts for safety features and multi-policy bundling. With access to top-rated carriers, we ensure competitive rates tailored to your driving history and asset value.
Homeowners Insurance
Our homeowners insurance protects your primary residence against damage from fire, theft, and natural disasters. Policies include dwelling coverage, personal property protection, and liability safeguards. We specialize in Florida-specific risks like hurricane damage and offer flood insurance as a separate policy through trusted partners for complete asset security.
Business Insurance
We design business insurance packages for companies of all sizes, including liability protection, property coverage, and workers' compensation. Our BOP (Business Owner Policy) bundles multiple protections while offering specialized options like house lifting contractor insurance. With access to nationwide carriers, we ensure competitive rates for both local St. Petersburg businesses and national clients.
Life Insurance
We offer term, whole, and universal life insurance policies to secure your family's financial future. Our solutions include key man insurance for businesses and second-to-die policies for estate planning. With access to major carriers like Mutual of Omaha and TransAmerica, we provide personalized consultations to match your coverage needs with appropriate premium structures.
Health Insurance
Our health insurance advisors help individuals and businesses navigate complex medical plans. We offer individual, group, dental, and supplemental policies from providers like Aflac and Cigna. Our team explains coverage options, premium costs, and network limitations to help clients select plans that balance affordability with comprehensive medical protection.
People
Melissa Ems
Owner, Advisor
Third-generation insurance professional with 14 years of experience. Specializes in personalized policy design and client education. Leads with integrity, focusing on community needs and transparent service.
Jeff Smith
Advisor
Experienced insurance advisor with expertise in commercial risk management. Provides tailored solutions for business clients while maintaining a client-first approach to policy selection.
Diane Lenox
Office Manager, Advisor
Manages daily operations while offering personalized insurance guidance. Combines administrative expertise with in-depth knowledge of policy structures and client needs.
Leah Lindell
Customer Concierge
Dedicated client support specialist ensuring smooth policy transitions and timely service. Focuses on clear communication and problem resolution for personal and business clients.
Julian Zabala
Customer Concierge
Client-focused insurance professional handling policy inquiries and coverage comparisons. Prioritizes accessibility and thorough explanations of insurance options.
Questions
Are you related to Joe & Dee Ems?
Yes, Melissa Ems is their daughter and continues their legacy in the insurance industry.
What is a 4-point inspection?
A required evaluation for homes over 30 years old covering roof, electrical, HVAC, and plumbing conditions.
Do you offer umbrella policies?
Yes, we provide umbrella insurance for additional liability protection across auto, home, and toy policies.
Can you insure out-of-state properties?
We offer coverage in all 50 states and some international locations through our carrier partnerships.
Is flood insurance included in homeowners policies?
No, flood insurance requires a separate policy as standard homeowners insurance doesn't cover water damage.
Do car colors affect insurance rates?
No, vehicle color doesn't impact insurance premiums or risk assessments.
