Advantage Insurance Solutions LLC
1755 W Broadway St, STE 7, Oviedo, FL 32765
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Oviedo households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1755 W Broadway St, STE 7, Oviedo, FL 32765
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100 Alexandria Boulevard, Suite 9, Oviedo, FL 32765
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1759 W Broadway St, Suite 2, Oviedo, FL 32765
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1755 W Broadway St, #7, Oviedo, FL 32765
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1949 W County Rd 419, Ste 1251, Oviedo, FL 32766
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1949 W CR 419, STE 1251, Oviedo, FL 32766
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376 N Central Ave, Oviedo, FL 32765
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Learn about insurance coverage options specific to Oviedo residents.
Oviedo homeowners pay $2,100-$3,400 annually. Learn about hurricane coverage, master-planned community discounts, and ways to save on Florida home insurance.
Car InsuranceOviedo drivers pay $287/month average. Learn Florida's no-fault PIP requirements, 10/20/10 minimums, SR-434/SR-417 risks, and how to save on coverage.
General Insurance EducationComplete insurance guide for Oviedo, FL residents. Learn about auto rates, home coverage, flood requirements, and local discounts in Seminole County.
Oviedo homeowners typically pay between $2,100 and $3,400 annually for home insurance, depending on home size, age, and features. This is significantly less than coastal Florida areas where premiums often exceed $7,000. Seminole County residents with Citizens Property Insurance saw average premiums of $2,122 in 2026 following recent rate decreases. Your actual cost depends on your home's specific characteristics, including roof age, square footage, and construction quality.
While Oviedo isn't in a high-risk coastal flood zone, parts of the city near the Little Econlockhatchee River and certain low-lying areas can experience flooding from heavy rainfall. Standard homeowners policies exclude flood damage, so you'll need separate flood insurance if you want this protection. Even if you're not in a designated flood zone, consider flood coverage—it's relatively affordable for inland properties and provides peace of mind during Florida's intense rainy season and tropical systems.
Yes, newer homes built after 2002 in communities like Live Oak Reserve typically qualify for lower premiums because they meet Florida's stronger building codes. These homes often have hurricane clips, reinforced roof attachments, and impact-resistant features that reduce wind damage risk. A wind mitigation inspection can document these features and potentially save you 20-45% on your windstorm premium. Even without an inspection, insurers generally offer better rates for homes built to modern standards.
A hurricane deductible is a separate, higher deductible that applies specifically to hurricane damage, typically 2-10% of your home's insured value rather than a flat dollar amount. If your home is insured for $400,000 with a 2% hurricane deductible, you'll pay the first $8,000 of hurricane damage yourself. This deductible usually triggers when the National Weather Service declares a hurricane in your area, and it can significantly impact your out-of-pocket costs during a storm.
The most effective strategies include getting a wind mitigation inspection to document storm-resistant features (saving 20-45%), bundling home and auto insurance (saving 15-25%), maintaining a newer roof, raising your standard deductible, and installing protective features like hurricane shutters or a security system. Shopping multiple carriers annually also helps, as Florida's insurance market is changing rapidly with new companies entering and established insurers adjusting rates. Many Oviedo homeowners can save $500-1,500 annually by implementing several of these strategies.
Citizens Property Insurance is Florida's state-backed insurer of last resort, and it's announcing rate decreases for Seminole County in 2025-2026. While Citizens can be competitive, you should always compare quotes from private insurers first. Citizens is designed for homeowners who can't find coverage in the private market. With Florida's insurance market stabilizing and new carriers entering the state, many Oviedo residents have multiple private insurance options that may offer better coverage, lower deductibles, or superior customer service than Citizens.
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