Allen-Duncan Agencies has been in Titusville since 1989 and we feel a special connection to this, and surrounding communities, as well as the people that reside here. Our agency is built on trust and loyalty. In fact, some of you that wrote policies with us that first year in 1989 still have insurance with our agency, which speaks to the loyalty you feel to our company and we feel to you.


We started off as a small agency with only 3 employees and just over 500 policies. Since then we have grown to 10 employees and over 7000 policies spanning all across Florida. From Titusville to Melbourne and all places in between, we welcome the opportunity to earn your business. Our customer retention rate is 90% due to the excellent customer service we provide and because you can trust that we always have your best interests at heart.

Combined,  our agents have been in the insurance field for over 90 years, and it’s that experience and expertise that allows us to cater to your needs without overselling or underselling our products. Anything we can do to make the insurance experience better for you, we are happy to accommodate.


Melissa Duncan

Owner and President

  • Born in Waynesville, North Carolina and moved to Titusville in 1989.

  • Purchased the agency in 1989.

  • Has three children (Robert, Aimee, and Jamie).

  • Loves dogs and the San Francisco 49ers. Jerry Rice is her all-time favorite player. Avid motorcycle rider and loves to travel and spend time with her family.

Jessica Kohler

Producer and Customer Service Specialist

  • Born in Melbourne, Florida and moved to Titusville in 1981.

  • Employed with Allen-Duncan Agencies since February 2003 and has over 15 years insurance experience.

  • Has two daughters (Emonie and Iyona).

  • Jessica loves fishing, going to the beach, and spending time with her family. Someday she hopes to move to the Bahamas and relax on the beach.

Shelby Greenhill


  • Born in Maitland, FL and raised in New Smyrna Beach.

  • I’m a fur momma to two Dachshunds named Rumblin and Bonita.

  • In my spare time, I enjoy volunteer work with special needs children, family time, and being out on the water.

Lauren Horchler


  • Born in Orlando, Florida and raised in Titusville.

  • Mom of a beautiful little girl.

  • In my spare time I love to spend time with my little family and also enjoy boating and four wheeling.

Emily Hulsizer


  • Born and raised in Titusville, FL.

  • Mom of two beautiful little girls.

  • I love spending time with family, reading, and being outdoors - especially the beach.

Briana Ross


  • Born in Tucson, AZ. Military Brat who moved all over; from the US, to Italy, to Spain.

  • I spend my free time traveling when and where I can with my dogs and best friend.

  • I am most at home in Colorado Springs.

Kathryn Ward


  • Born in Palatka, Florida and raised in New Smyrna Beach Beach.

  • In my spare time, I enjoy quality time with friends and family.

  • I also love to read, and my goal is to become an ASL interpreter.



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