Home Insurance in Melbourne and Palm Bay, FL

Protect Your Home and Everything In It.  



Your home is one of the most important financial investments of your life.  Protecting this investment with proper coverage is essential.  Coverage provides you and your family with safety and security.

At the Kim Osman Insurance Group, Inc., we know how hard it can be to maintain a home and all that’s in it.  This is why we provide comprehensive and affordable homeowners insurance solutions.  Our coverage options are flexible and our insurance specialists are collaborative.  We work with you on an individual basis to understand your needs and to match your needs with an optimal policy. 

Our goal is to provide the best solution possible and to make the insurance-buying experience easy and efficient.  Our promise is to ensure that your homeowners policy maximizes protection and minimizes costs.  

What Does a Homeowners Policy Cover?

Home insurance policies cover a number of expenses ranging from structure and belongings costs to injury and other liability costs.  Most standard home insurance policies cover the following:

  • Guest medical protection
  • Liability
  • Personal property
  • Other structures (non-home, on-property structures)
  • Dwelling (home structure)
  • Property Insurance

Additional coverage options can help protect your home and your family more extensively.  These options include coverage for identity restoration, natural disasters, and theft. 

What Does a Kim Osman Homeowners Policy Cover?  

We provide numerous coverage options to protect your home and family.  You can add optional coverage to your policy if necessary, which our specialists will help you do.  Our coverage options include:  

  • Homeowners Liability
  • Renters Insurance
  • Condo Insurance
  • Scheduled Property Insurance
  • Landlords Insurance
  • In-Home Business Insurance

We don’t develop cookie-cutter policies.  Each policy is tailored to specific coverage needs and is preventative – it protects against problems before problems arise.  

We pride ourselves on providing first-rate customer service and consider cordiality and efficiency integral parts of our services.  We touch base with you throughout the year and treat you like a neighbor.  This way, your policy remains current and we nurture our relationship with you. 

Why Kim Osman?

We have a large claims network and are accessible at almost any time online or over the phone.  We also have over eighty collective years of experience providing risk management solutions.  Our specialists are better equipped to help you than our competitors because each specialist undergoes continuing education related to each type of insurance coverage we offer.  You policy options and interactions with our specialists will reflect the knowledge and expertise these specialists have.

We cater to your needs and make the policy development and insurance-purchasing processes fast and easy.  We use DocuSign to keep transactions quick and to minimize paperwork.  We also use it to allow remote work, which keeps travel to a minimum. 


If you have questions or would like to know more about your policy options, please contact us.



Kim Osman Insurance is proud to serve Melbourne, Palm Bay, Viera, Rockledge, Cocoa, Titusville, and surrounding areas.


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Our Location

Kim Osman Insurance Group, Inc.

Kim Osman Insurance Group, Inc.

474 N Harbor City Blvd Ste 4
Melbourne, Fl 32935
Main office: 321-549-0678

Our Providers

Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.