About Us

For over 45 years, Coddington Insurance Agency has proudly served the Brevard community, offering tailored insurance solutions to meet the diverse needs of individuals and businesses alike. Whether it’s protecting your home, your business, or your most valuable assets, we are dedicated to providing the coverage and peace of mind you deserve.

Our story began in the early 1980s, when Carl Coddington Jr. founded the agency with a simple but powerful mission: to protect what matters most by building strong, personal relationships within the community. With nothing more than a vision, a deep commitment to service, and a growing network of clients earned through word of mouth, Carl laid the foundation for a trusted local agency built on integrity, reliability, and care.

Today, that legacy continues. As the second-generation owner, I’m proud to carry forward the values my father instilled from day one. While the tools and technology may have evolved, our commitment to personalized service and community connection remains unchanged. At Coddington Insurance Agency, we’re more than just a provider - we’re your neighbors, your advocates, and your partners in protection.

Meet the Team

  • Charlie Coddington

    OWNER

  • Suge

    EMOTIONAL SUPPORT ANIMAL

FAQs

  • Several aspects influence the cost of your premiums, including:

    1. Driving History: A clean driving record typically results in lower premiums, while accidents and traffic violations can lead to increased rates.

    2. Vehicle Type: The make and model of your car can impact your insurance cost. Generally, high-performance vehicles or luxury cars are more expensive to insure.

    3. Location: Where you live plays a significant role. Areas with higher crime rates or accident frequency can lead to higher premiums.

    4. Coverage Levels: The amount and types of coverage you select, such as liability, comprehensive, and collision, will also affect your premium.

    5. Credit Score: Insurers often consider credit history as part of determining risk, meaning a better credit score may lower your premium.

    6. Age and Gender: Younger drivers or male drivers may have higher rates due to statistical risks associated with these demographics.

  • Homeowners insurance typically includes coverage for wind damage, which can be a concern during a hurricane. However, it often does not cover flood damage, which is a significant risk associated with hurricanes. Homeowners in areas prone to hurricanes should consider purchasing separate flood insurance to ensure comprehensive protection. It's important to review your policy details and consult with your insurance agent to understand the specific coverage and exclusions related to hurricane damage.

  • Even if your home is located in a low-risk flood zone, it is still advisable to consider purchasing flood insurance. Standard homeowners insurance policies typically do not cover flood damage, and floods can occur in any area, regardless of risk classification. In many cases, lenders may even require flood insurance for homes in designated flood zones. Therefore, evaluating your specific situation and potential risks is essential for adequate protection.

  • Liability insurance is designed to protect you from financial loss in the event that you are found legally responsible for causing an accident or injury to another person or their property. This type of insurance typically covers damages to the other party’s vehicle, medical expenses, and legal fees associated with the claim.

    Full coverage insurance, on the other hand, refers to a combination of liability insurance and additional coverage options, such as collision and comprehensive insurance. Collision coverage helps pay for damage to your own vehicle resulting from a collision, regardless of fault, while comprehensive coverage protects against non-collision-related incidents, such as theft, vandalism, or natural disasters.