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2024

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Best Homeowners Insurance Agencies in Orlando, FL

Our Recommended Top 15

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Orlando Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

145Reviewed

93Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

899 Outer Road, Orlando, FL 32814
WebsiteLicense: L105648

Expertise.com Rating

Review Sources

Google
5.0 (131)
Facebook
5.0 (9)
Yelp
5.0 (1)

Why choose this provider?

Mayers Insurance Group is a local insurance agency that offers homeowners' insurance plans for individuals and families in Orlando and nearby communities. Its insurance agents represent several insurance carriers to provide the right policy that best fits the client's needs. Its homeowners' policy gives financial protection to policyholders if the house is damaged by weather, theft, fire, or other perils. Other structures, loss of use, medical payments, and personal liability are all covered under the basic policy. The agency also provides insurance for renters and condos.

  • Homeowners

6150 Silver Star Rd, Orlando, FL 32808
WebsiteLicense: L090582

Expertise.com Rating

Review Sources

Google
5.0 (6)
Facebook
5.0 (2)

Why choose this provider?

H&M Insurance and Tax Agency is an independent business serving individuals and families in and around Orlando. The company has a wide network of insurance providers to help clients find and purchase policies that offer coverage for their specific needs and goals. It offers homeowners insurance that covers structural and personal property damage, liability, limited theft protection, and loss of use. Clients are also able to make changes to their policies through the company's online portal.

  • Multiple Policy Types
  • Homeowners

1803 Park Center Dr suite 200, Orlando, FL 32835
WebsiteLicense: L066134

Expertise.com Rating

Review Sources

Google
4.9 (408)
Facebook
5.0 (100)

Why choose this provider?

Morning Star Insurance Agency serves families and individuals in the Orlando metro. It aims to protect clients and their investment properties through its homeowners' insurance services. The independent company offers dwelling, loss of use, and personal liability coverages to protect policyholders from financial losses caused by natural disasters like fire, windstorms, and hurricanes. It also provides auto, umbrella, renters', and commercial property insurance. Founder Fred Costa worked in the sales and finance industry before opening his agency in 2009.

  • Homeowners

14365 East Colonial Drive Suite A2, Orlando, FL 32826
WebsiteLicense: L035331

Expertise.com Rating

Review Sources

Google
4.8 (29)
Facebook
3.7 (9)
Yelp
5.0 (1)

Why choose this provider?

Enterprise Insurance Agency is an Orlando-based financial services company that serves clients across the metro. It offers various personal insurance options, including auto and home insurance. Clients can submit quote requests on the company's website. The company also deals with business insurance solutions, including general liability and commercial auto insurance. Enterprise Insurance Agency has been operating since 2007. Lillian Santiago, the company's customer service representative, is a former regional analyst with pharmaceutical firm Pfizer. She can transact with Spanish-speaking clients.

  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

321 Montgomery Rd #161148, Altamonte Springs, FL 32716
WebsiteLicense: L108408

Expertise.com Rating

Review Sources

Google
5.0 (135)
Facebook
5.0 (11)

Why choose this provider?

Risk Solutions Insurance Brokerage LLC offers products and services to families and individuals in the Orlando metro. It helps clients acquire homeowners' insurance that includes personal property and liability, dwelling, other structure, and additional living expense coverages. The company also provides other personal policies, such as renters', flood, life, auto, and umbrella insurance. Its team works with various carriers like Nationwide and Progressive. CEO Raj Singh has been in the insurance industry since 1983. He is also a Chartered Property Casualty Underwriter. They are also strong in Commercial insurance and have qualified insurance professionals at their disposal. Possess CPCU, FCII & ARM.

  • Multiple Policy Types
  • Commercial Insurance
  • Homeowners

11531 Lake Underhill Road, Orlando, FL 32825

Expertise.com Rating

Review Sources

Google
4.6 (61)
Facebook
4.7 (56)
Yelp
4.8 (4)

Why choose this provider?

Florida Insurance Group provides services to clients in Orlando. It offers homeowners' liability insurance covering medical expenses, liability defense costs, property damage, and injury treatment expenses of individuals harmed on the insured premises. It also caters to clients needing other home insurance products, including personal injury, animal liability, content coverage, mold damage, and in-home business insurance. Florida Insurance Group is an independent agency that has over two decades of experience in the industry.

  • Flood
  • Personal Property Insurance
  • Homeowners

6900 Tavistock Lakes Boulevard, Orlando, FL 32827
WebsiteLicense: L095853

Expertise.com Rating

Review Sources

Google
5.0 (111)
Facebook
5.0 (54)
Yelp
5.0 (1)

Why choose this provider?

The Beacon Insurance Agency provides homeowners' insurance policies in Orlando. Its other insurance products cover autos, condos, renters, landlords, and businesses. Additionally, The Beacon Insurance Agency is part of the Agents of Change Movement. It also has an online monthly magazine and an office in Canaveral. Camilo Roa, the agency's owner, has been a licensed insurance agent since 2015. He and his family have volunteered for Give Kids The World Village and the Ronald McDonald House Charities.

  • Homeowners

8734 Lee Vista Blvd Suite 300, Orlando, FL 32829
WebsiteLicense: L096878

Expertise.com Rating

Review Sources

Google
4.9 (69)
Facebook
5.0 (6)

Why choose this provider?

Guardian Tower Insurance is an Orlando-based company that caters to local homeowners. It offers home, condo, and renters insurance policies, whether the client owns the property or rents it short-term. Its home insurance covers the contents of the estate and the outer area, providing coverage for natural disasters and allowing customers to rebuild their damaged houses. This policy also helps individuals pay for destroyed areas due to vandalism and replace stolen items. Other insurance options offered by the agency include auto, life, and commercial coverage.

  • Renter's Insurance
  • Condos
  • Homeowners

7316 East Colonial Drive, Orlando, FL 32807
WebsiteLicense: L052640

Expertise.com Rating

Review Sources

Google
4.5 (77)
Facebook
5.0 (28)
Yelp
2.3 (3)

Why choose this provider?

Floridian Insurance Agency is an Orlando-based company that assists clients in various areas, covering home insurance. With access to policies from a number of carriers such as Foremost, Progressive, National General, and The Hartford, its team of agents can provide plans that reimburse losses in cases of fire and theft and offer personal liability protection. In addition, Florida Insurance Agency offers condominium insurance, and it also provides protection plans that cover different vehicles such as classic cars and boats.

  • Homeowners

720 Celebration Avenue Suite 110 & 120, Celebration, FL 34747

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Celebration Pointe Insurance Agency Inc serves the entire state of Florida. This independent agency carefully selects the home insurance carriers it represents and recommends the best options for its clients.It offerspolicies that cover single-family homes, condos, and rented apartments and sells bundled policies and standalone coverage for general liability and other types of homeowners insurance. Celebration Pointe Insurance Agency Inc offers renters, auto, and flood insurance as well.

  • Condos
  • Flood
  • Homeowners

385 Douglas Ave Ste 2050, Altamonte Springs, FL 32714

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Founded in 1991, the Moriarty Insurance Group is an independent insurance agency located in the Orlando, Florida, metro area. Home coverage specialists seek quotes from several trusted carriers, such as The Hartford, St. Johns, and Florida Family Insurance, to get clients the right policy at a reasonable price. The company also helps find discounts, such as combining home and auto coverage for a lower rate. Other options include auto, rental, small business, and health insurance.

  • Renter's Insurance
  • Condos
  • Multiple Carriers

1548 South Semoran Boulevard, Orlando, FL 32807
WebsiteLicense: L016633

Expertise.com Rating

Review Sources

Google
4.5 (133)

Why choose this provider?

Universal Insurance Agency provides risk management solutions for individuals and businesses from its Orlando location. Its product range includes homeowners' insurance which covers losses resulting from vandalism, theft, and fire. Its team can also furnish home insurance policies that provide personal liability protection and additional living expenses coverage. The agents find suitable plans from multiple carriers such as Progressive and The Hartford. Company owner Diana Giron established the independent agency in 2003 after seeing the insurance industry change in the 80s and 90s.

  • Renter's Insurance
  • Flood

7450 Sandlake Commons Blvd, Orlando, FL 32819
WebsiteLicense: L015283

Expertise.com Rating

Review Sources

Google
5.0 (3)
Facebook
5.0 (2)

Why choose this provider?

Great Southeastern Property & Casualty is an independent insurance agency in Orlando that offers personal and commercial insurance lines to residents of the local metro. The company offers homeowners' insurance solutions that help protect dwellings from weather damage, earthquakes, fires, floods, and other natural disasters. Its homeowners' policies also cover vandalism damages, premises liability, property damages, and personal property losses. Some of the company's other personal lines include renters insurance, condo/apartment insurance, automobile insurance, and life insurance plans.

  • Homeowners

922 Lake Baldwin Lane, Suite A, Orlando, FL 32814
WebsiteLicense: A212557

Expertise.com Rating

Why choose this provider?

John Psomas, a Retirement Income Certified Professional, operates a local State Farm office located in Orlando. He has been providing insurance products to the community since 1989. John furnishes homeowners' insurance policies that cover home repair expenses when structures have been damaged by lightning, hail, fire, theft, or vandalism. He also offers banking services, annuities, and insurance solutions for renters, condominiums, automobiles, and pets. John Psomas gives back to the neighborhood by supporting its local church, food bank, and frontline workers.

  • Homeowners

7217 East Colonial Drive, Orlando, FL 32807
WebsiteLicense: L093742

Expertise.com Rating

Review Sources

Google
4.9 (591)
Facebook
4.7 (51)

Why choose this provider?

Univista Insurance – Colonial Dr. aims to provide Orlando clients the guidance needed when it comes to insurance. This team offers coverage to safeguard homes against damage from natural disasters and vandalism. It also provides coverage for annuity products, vehicles, and commercial properties. This company has established over 150 offices in Florida, Texas, and California. Univista Insurance – Colonial Dr. has been awarded as the number one insurance agency in Orlando by the Insurance Journal in 2018.

  • Condos
  • Renter's Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Mayers Insurance Group
899 Outer Road, Orlando, FL 32814
H&M Insurance and Tax Agency
6150 Silver Star Rd, Orlando, FL 32808
Morning Star Insurance Agency
1803 Park Center Dr suite 200, Orlando, FL 32835
Enterprise Insurance Agency
14365 East Colonial Drive Suite A2, Orlando, FL 32826
Risk Solutions Insurance Brokerage LLC
321 Montgomery Rd #161148, Altamonte Springs, FL 32716
Florida Insurance Group
11531 Lake Underhill Road, Orlando, FL 32825
The Beacon Insurance Agency
6900 Tavistock Lakes Boulevard, Orlando, FL 32827
Guardian Tower Insurance
8734 Lee Vista Blvd Suite 300, Orlando, FL 32829
Floridian Insurance Agency
7316 East Colonial Drive, Orlando, FL 32807
Celebration Pointe Insurance Agency, Inc.
720 Celebration Avenue Suite 110 & 120, Celebration, FL 34747
Moriarty Insurance Group
385 Douglas Ave Ste 2050, Altamonte Springs, FL 32714
Universal Insurance Agency
1548 South Semoran Boulevard, Orlando, FL 32807
Great Southeastern Property & Casualty
7450 Sandlake Commons Blvd, Orlando, FL 32819
John Psomas
922 Lake Baldwin Lane, Suite A, Orlando, FL 32814
Univista Insurance – Colonial Dr.
7217 East Colonial Drive, Orlando, FL 32807

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What are the coverages available in Orlando under homeowners insurance policies?

    Homeowners insurance policies in Orlando provide dwelling coverage, which ensures protection for the primary home structure, whereas additional structures coverage encompasses items such as sheds and fences. Personal belonging coverage safeguards possessions like electronics and furniture. Coverage for temporary displacement assists with living costs if the home becomes unlivable. Finally, liability coverage offers security in the event of injuries on the property.

  • Do homeowners insurance policies cover personal possessions during a move-out process in Orlando?

    While some homeowners insurance policies in Orlando include coverage for items being transported, others limit protection to belongings within the residence. Individuals preparing for a move should meticulously review their policy specifics or consult their insurance agent to comprehend the extent of coverage while moving.

  • What is dwelling coverage in a homeowners insurance policy in Orlando?

    Dwelling coverage in a homeowners policy in Orlando encompasses not only the physical structure of the home but also its integral components, such as floors, ceilings, windows, and permanent fixtures like gutters and chimneys. This coverage should ideally match or exceed the current value of the home. It can also include an additional 5% for potential value appreciation. Homeowners can choose between market value and replacement cost coverage within this component, tailoring it to their needs and preferences.

  • What factors may affect the payment rate of your homeowners insurance policy in Orlando?

    In Orlando, factors such as the home's location, construction features, and any wind mitigation improvements implemented may affect the payment rate of your homeowners insurance policy. The chosen coverage amount, homeowners insurance score, and claims history also play significant roles in determining the policy's cost. These variables collectively contribute to the overall pricing of homeowners insurance.

  • What are the additional expenses covered by homeowners insurance policies in Orlando?

    Homeowners insurance policies in Orlando can cover additional expenses, which may include temporary accommodations, increased food costs, extra commuting expenses, and essential personal services, such as laundry or pet boarding. Coverage for these costs may apply if civil authorities mandate an evacuation for events specified in the policy, providing financial support beyond regular living expenses in challenging situations.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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