PERSONAL & BUSINESS INSURANCE  
2 Locations To Serve You
Keystone 352 / 473-4881  Melrose 352/ 218-4036

Welcome to Keystone Heights Insurance, an independent Insurance Agency in Keystone Heights, FL and Melrose, FL.

Keystone Heights Insurance has been servicing the Keystone & Lake Region area for over 40 years. The Agency is family owned and operated. Our experienced professional staff provide a  consultative approach to our personal & commercial clients. As Independent Agents, we have the ability to shop carriers & find the coverage that meets our insured’s needs for both coverage & premium.

The types of insurance that Keystone Heights Insurance Agency provides are Homeowner’s Insurance, Auto - Motorcycle - ATV Insurance, Renters Insurance,

Boat Insurance, Life Insurance, Umbrella Insurance and Commercial Insurance.


Homeowner’s Insurance covers both single family homes, mobile homes and condominiums.  Typical homeowner’s policies cover damage resulting in fire, windstorm, hail, water damage (excluding flood), theft & liability as well as other causes of loss, other structures to your property and contents.  Homeowner’s Insurance is easily obtained through the agency of Keystone Heights Insurance, whether in Keystone Heights or Melrose FL.  For information or additional details of a Homeowner’s Insurance policy to cover your home, condo or mobile home, feel free to contact Barbara Franklin of Keystone Heights Insurance Agency at 352-473-4881.  Keystone Heights Insurance is open 5 days a week from 8:30 AM to 5:00 PM at 388 State Rd 21, Keystone Heights, FL 32656.  The Melrose office of Keystone Heights Insurance is open from 10:00 AM to 6:00 PM and is located at 300 SR 26, Suite 101, Melrose, FL 32666.


Auto Insurance, as well as Motorcycle Insurance and ATV Insurance covers for liability arising out of an accident, theft, collision damage to the insured’s vehicle, roadside assistance, rental and uninsured motorist coverage.  Keystone Heights Insurance provides all of those coverages at the option of the insured.  For more information or details regarding auto, motorcycle or ATV insurance, contact Barbara Franklin of Keystone Heights Insurance Agency at 352-473-4881.  Keystone Heights Insurance is open 5 days a week from 8:30 AM to 5:00 PM at 388 State Rd 21, Keystone Heights, FL 32656.  The Melrose office of Keystone Heights Insurance is open from 10:00 AM to 6:00 PM and is located at 300 SR 26, Suite 101, Melrose, FL 32666.


Renters Insurance provides insurance coverage for liability of the renter following a loss due to fire or water damage, loss due to break-in or theft, arising out of the liability of the renter.  This Renters Insurance policy coverage contains exclusions.  Therefore, renters are encouraged to contact Barbara Franklin of Keystone Heights Insurance Agency at 352-473-4881.  Keystone Heights Insurance is open 5 days a week from 8:30 AM to 5:00 PM at 388 State Rd 21, Keystone Heights, FL 32656.  The Melrose office of Keystone Heights Insurance is open from 10:00 AM to 6:00 PM and is located at 300 SR 26, Suite 101, Melrose, FL 32666.


Boat Insurance is necessary insurance to provide support by putting you back in the financial position you were in before a loss such as theft or accident.  If you own a boat and live in the Keystone Heights Area including Melrose FL, Starke FL and surrounding communities, feel free to contact Barbara Franklin of Keystone Heights Insurance Agency at 352-473-4881.  Keystone Heights Insurance is open 5 days a week from 8:30 AM to 5:00 PM at 388 State Rd 21, Keystone Heights, FL 32656.  The Melrose office of Keystone Heights Insurance is open from 10:00 AM to 6:00 PM and is located at 300 SR 26, Suite 101, Melrose, FL 32666.


Life Insurance is a way to help protect your loved ones if you were to die suddenly. It provides money to help pay medical expenses, funeral costs and living expenses. When you purchase a life policy, you determine the amount you want to be insured for. Keystone Heights Insurance Agency can provide you with a life insurance policy that is tailored to your needs.  For additional information or to make an appointment to find out more about Life Insurance at Keystone Heights Insurance Agency, contact Barbara Franklin of Keystone Heights Insurance Agency at 352-473-4881.  Keystone Heights Insurance is open 5 days a week from 8:30 AM to 5:00 PM at 388 State Rd 21, Keystone Heights, FL 32656.  The Melrose office of Keystone Heights Insurance is open from 10:00 AM to 6:00 PM and is located at 300 SR 26, Suite 101, Melrose, FL 32666.


Commercial Insurance covers businesses for specific needs. You may need to insure your gas station, restaurant, church, daycare or construction company; whatever your need is, feel confident Keystone Heights Insurance will make sure your business is protected.  For information about Commercial Insurance in the greater Keystone Lake Region Area, 


Umbrella Insurance  is extra liability insurance coverage that goes beyond the limits of the insured's home, auto or watercraft insurance and commercial polices. It provides an additional layer of security to those who are at risk for being sued for damages to other people's property or injuries caused to others in an accident.  To obtain an Umbrella Insurance Policy from Keystone Heights Insurance Agency, or to get additional information, provides an additional layer of security to those who are at risk for being sued for damages to other people's property or injuries caused to others in an accident.


Keystone Heights Insurance Agency can assist you with all of your insurance needs in Keystone Heights, Melrose and the surrounding communities.  To obtain information, or if you have any question concerning Homeowner’s Insurance for homes, condos and mobile homes, or if your need is for Auto, Motorcycle or ATV insurance, or if you need Renters Insurance, Boat Insurance, or maybe you are seeking insurance coverage for Umbrella Insurance or finally your need may be for Commercial Insurance, feel free to contact Keystone Heights Insurance and ask to speak to Barbara Franklin of Keystone Heights Insurance Agency at 352-473-4881.  Keystone Heights Insurance is open 5 days a week from 8:30 AM to 5:00 PM at 388 State Rd 21, Keystone Heights, FL 32656.  The Melrose office of Keystone Heights Insurance is open from 10:00 AM to 6:00 PM and is located at 300 SR 26, Suite 101, Melrose, FL 32666.

Keystone Heights Insurance

388 State Rd 21, Keystone Heights, FL 32656
352 / 473-4881
300 SR 26, Suite 101, Melrose, FL 32666
352 / 218-4036

Hours of Operation:


Keystone Heights:

Mon-Fri:  8:30 AM to 5:00 PM

Melrose:

Mon-Fri: 10:00 AM to 6:00 PM