Home Insurance in Orlando, FL
Protect your family's most valuable investment with comprehensive home insurance coverage designed for Orlando homeowners.
Complete Home Insurance Protection
Comprehensive coverage designed specifically for Florida homeowners and weather risks.
Dwelling Coverage
Protects the structure of your home from covered perils like fire, wind, and lightning.
- Structural Repairs
- Roof Protection
- Foundation Coverage
Personal Property Coverage
Covers your belongings inside your home, including furniture, electronics, and clothing.
- Furniture Protection
- Electronics Coverage
- Jewelry Protection
Liability Protection
Protects you from lawsuits if someone is injured on your property or you damage others' property.
- Injury Claims
- Legal Defense Costs
- Medical Payments
Additional Living Expenses
Pays for temporary housing and living expenses if your home becomes uninhabitable.
- Hotel Costs
- Restaurant Meals
- Temporary Storage
Florida-Specific Coverage
Special protections for Florida's unique weather risks and challenges.
- Hurricane Protection
- Flood Options
- Sinkhole Coverage
Equipment Breakdown
Covers the cost to repair or replace home systems and appliances that break down.
- HVAC Systems
- Electrical Systems
- Major Appliances
Home Insurance for Florida Weather
Florida homeowners face unique challenges from hurricanes, flooding, and severe weather. Our policies are designed specifically for these risks.
Hurricane Protection
Comprehensive coverage for wind damage and debris removal
Water Damage Coverage
Protection from burst pipes, roof leaks, and storm damage
Sinkhole Protection
Optional coverage for Florida's sinkhole risks
Calculate Your Home Insurance Savings
See how much you could save with our competitive rates
Home Insurance Questions
Common questions about home insurance in Florida
Is home insurance required in Florida?
While Florida doesn't require home insurance by law, mortgage lenders require it. Even if you own your home outright, insurance protects your largest investment from hurricanes, fire, and other disasters.
Does home insurance cover flooding?
Standard home insurance doesn't cover flooding. You need separate flood insurance, which we can help you obtain through the National Flood Insurance Program or private insurers.
What is a hurricane deductible?
A hurricane deductible is a separate, higher deductible that applies to wind damage from named storms. It's typically 2-10% of your home's insured value and helps keep premiums lower.
What's the difference between replacement cost and actual cash value?
Replacement cost pays to rebuild your home at today's prices, while actual cash value deducts depreciation. We recommend replacement cost coverage to fully protect your investment.
Home Insurance Service Areas
We proudly serve homeowners throughout Central Florida
Orlando
Downtown, East Orlando, West Orlando, South Orlando
Winter Park
Winter Park proper, College Park, Audubon Park
Pine Hills
Pine Hills, Silver Star, Rosemont
Kissimmee
Kissimmee, St. Cloud, Celebration, Poinciana
Apopka
Apopka, Mount Dora, Altamonte Springs
Ocoee
Ocoee, Windermere, Winter Garden
Protect Your Home Today
Don't leave your family's security to chance. Get comprehensive home insurance that protects what matters most.