Your home is more than just a structure—it’s your family’s comfort zone, your biggest investment, and the place where real life happens.
Whether you’re in downtown Orlando, Kissimmee, Lake Nona, College Park, or the historic corners of Winter Park, I’ll help you protect your home with insurance that’s built for Florida’s climate, quirks, and costs.
Why Homeowners Insurance in Florida Isn’t One-Size-Fits-All
Living in Florida comes with perks (sunshine, no state income tax) but also risks—like hurricanes, hail, and rising insurance rates.
Your policy needs to reflect:
- Regional risk factors (like wind zones and flood zones)
- Roof condition and age
- Carrier appetite for your ZIP code
- Accurate rebuild cost—not just market value
As a local agent, I help you navigate all of it with clarity and confidence.
What Can Be Included in a Standard Florida Homeowners Policy
🏠 Dwelling Coverage
Pays to repair or rebuild your home after covered events like fire, storms, or vandalism.
🚪 Other Structures
Covers detached buildings like garages, fences, sheds, and even pool enclosures.
🛋 Personal Property
Covers what’s inside: furniture, appliances, clothing, electronics. Optional endorsements for jewelry or collectibles.
🚪 Loss of Use
Helps cover hotel stays, meals, and expenses if your home becomes uninhabitable.
🧑⚖️ Personal Liability
Protects you legally if someone gets hurt on your property or sues for damages.
Optional Add-Ons Worth Considering in Florida
- Hurricane & Windstorm Coverage: Choose your deductible carefully
- Flood Insurance: Not included in standard policies; I can help with NFIP or private carriers
- Sinkhole Coverage: Available in high-risk areas
- Water Backup Coverage. For damage from backed-up sewers or drains
- Ordinance or Law Coverage: Helps cover costs of meeting updated building codes after a loss
Winter Park & Orlando-Specific Guidance
☑ Many older homes in Winter Park need special review for electrical/plumbing updates
☑ Orlando suburbs with newer construction may qualify for roof discounts or new home credits
☑ Homes near lakes or rivers may require flood zone certificates—I’ll guide you through it
Florida Discounts You May Qualify For
- Wind mitigation inspection credits
- Hip roof discount
- Central fire/smoke alarm system
- Gated community discount
- Bundle with auto or life = savings
Who I Work With
✅ First-time homebuyers
✅ Homeowners refinancing with new insurance requirements
✅ Landlords and rental property owners
✅ Snowbirds and seasonal Florida residents
✅ Families upgrading coverage after renovations
