Insurance is a pain.
We're not.

Our team of personal shoppers in St. Petersburg, Florida will craft custom insurance policies to fit your individual lifestyle.  No one (but us) actually likes to deal with insurance, so let us shop and figure it out for YOU!

Melissa Ems holding shopping bags with the Progressive, Travelers, Aflac, and AIG logos on them.

Melissa Ems Insurance Agency will help you:

Get quotes from multiple companies to find the perfect fit for you.

Sift through the jargon and truly understand your coverage.

Cover all of your needs - personal, commercial, health, and more.

Feel protected and understood by real people who live where they work.

Melissa Ems Insurance Agency customer service representative Leah Lindell answers the phone.

Local. Independent.

Melissa is a St. Petersburg, Florida native and proud member of Keep St. Pete Local. Her father, Joe Ems, was a State Farm agent for 35 years (and occupied the same office for 10 of them!). Her grandmother was an aviation insurance underwriter.

While she has learned just about everything there is to know about the insurance industry, the guiding principle she has always relied on is to help people honestly, fairly, and with integrity. Learn more about Melissa Ems’ top-rated independent insurance agency and team here.

Melissa Ems Insurance Agency sign and office building. Arrow pointing to building with text "Yes, this was Joe Ems' office, too!"
Melissa Ems Insurance Agency inside office lobby Melissa stands next to a colorful painting.

We're here to serve, not sell.

Clients aren’t numbers or paychecks to us. They are neighbors, friends, and family!

Melissa Ems Insurance Agency Facebook reviews

5-star rating

Melissa Ems Insurance Agency 5 star rating
Melissa Ems Insurance Agency Google reviews

4.6-star rating

Melissa Ems Insurance Agency 4.6 star rating
"…Any time my rates need to be reviewed the ME team is on it!! I can’t recommend them enough to anyone either shopping insurance or needing to shop their insurance. This office is professional yet fun, down to earth and they treat you like family, not paychecks. Definitely check them out!"

Nella C.

"...they were able to save me $205 a month on my premium without giving up any of my coverage! I was ecstatic!  I have had to call the office and email them a couple times with questions I had since I've made the switch and the response time is incredible in addition to the customer service and knowledge of the employees. My only regret is that I didn't make the change sooner. RUN, don't walk to this agency and let them give you a quote!"

April K.

"I got my homeowners insurance here. Melissa and her staff are awesome! Everyone is friendly and sees things through until completed. They are independent agents and can look at different companies for the best deals on coverages and price. I like this agency because I can TRUST them."

Bartley S.

"We’re honored to have been voted ‘Best of the Best’ insurance agency in the Tampa Bay Times’ People’s Choice awards two years in a row! Thank you for trusting us to protect what you hold dear."

The ME Team

Working with us is simple:


Fill out our quote form.

Submit our quote form and we'll be in touch shortly to get any additional information we need. We will look at several providers to see what your best rates and coverage options are.


Discuss your options.

Next, we’ll schedule an in-person, phone, or virtual meeting to thoroughly review your options and needs. Together, we’ll determine which option is best for you.


Set up your policy.

Leave the rest to us! We’ll set up your new policy and help you handle any necessary transitions to ensure there is no lapse in your coverage.

Frequently Asked Questions

Melissa Ems Insurance Agency inside office lobby Melissa stands next to a colorful painting.

Yep! I’m their kid!

A 4 point inspection is generally required with homes over 30 years old. The report talks about the condition of the roof, electrical, a/c and plumbing including the water heater and what the last updates to each respective area were last completed. There will be pictures accompanying each.

A wind mitigation report is not a required inspection, however, it is what tells us how securely the roof is attached to the house and/or if there is any hurricane rated opening protection. While this report is not required, it is highly recommended because it tells us of any available discounts…. and we love discounts!

Nope! So go find the color you love most and show that bad boy off all around town!

The declarations page or “dec” page is where your coverage is listed out in the policy. An ID card is not a dec page. The ID card does not list the coverage specifics and we need that for rating and proof of prior insurance reasons.