Stuart has 18,520 residents in 8,060 households. We list 5 agencies for life insurance in Stuart. Here is what the local numbers say about the cover people here need.

Stuart at a glance

5life insurance agencies listed
41.1%of households rentRenters insurance
$329,400median home valueHome insurance
1982median year homes were builtRebuild cost calculator
9.6%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Martin County

FEMA rates the overall natural hazard risk in Martin County, where most Stuart agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

HurricaneVery High
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Florida

Florida requires drivers to carry at least $10,000 of property damage liability. It also requires personal injury protection ($10,000). Florida is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance How much liability cover do you need?

Source: leg.state.fl.us. Checked 2026-10-24.

Where Stuart agencies are

Stuart agencies we list sit in 2 ZIP codes, mostly in Martin County.

349944 agencies
349971 agency

Questions

Life insurance in Stuart

All insurance agencies in Stuart · Life insurance across Florida

Where can I find life insurance in Stuart?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does life insurance cover?

Pays a lump sum to the people who depend on your income.

Do I need flood insurance in Stuart?

FEMA's National Risk Index rates inland flooding risk in Martin County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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