Gaitan Insurance Solutions
1547 Town Park Dr, Port Orange, FL 32129
View this agency's profile to learn more about their services.
Loading...
City directory
Port Orange households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
1547 Town Park Dr, Port Orange, FL 32129
View this agency's profile to learn more about their services.
1650 Taylor Rd, Suite 304, Port Orange, FL 32128
View this agency's profile to learn more about their services.
1650 Taylor Rd, Suite 304, Port Orange, FL 32128
View this agency's profile to learn more about their services.
1525 Herbert St, Ste 106, Port Orange, FL 32129
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Port Orange residents.
Complete Port Orange insurance guide covering 2026 auto law changes, flood risks near Halifax River, homeowners rates, and local agents in Volusia County.
Home InsurancePort Orange homeowners pay $4,878/year average for $300K homes. Learn about hurricane coverage, Halifax River flood risks, and wind mitigation discounts.
Car InsurancePort Orange auto insurance averages $2,116/year. Learn about Florida's no-fault PIP system, 2026 law changes, and coverage for I-95 and Volusia County driving.
Starting July 1, 2026, Florida will eliminate its no-fault PIP system and require drivers to carry $25,000 per person and $50,000 per accident in bodily injury liability coverage, plus $5,000 in medical payments coverage. This replaces the current requirement of $10,000 PIP and $10,000 property damage liability, and shifts Florida from a no-fault system where your insurance covers your injuries regardless of fault to a traditional liability system where at-fault drivers pay for others' injuries and damages.
If you live anywhere near the Halifax River, Spruce Creek, or other waterways in Port Orange, flood insurance is essential. The city faces significant coastal surge flooding risk, and Volusia County identifies flooding as the most frequent and costly natural hazard in the area. Standard homeowners insurance doesn't cover rising water damage, and most flood policies have a 30-day waiting period, so purchase coverage well before storm season.
The average flood insurance rate in Port Orange is $474 per year, which is higher than the Volusia County average of $396. Your actual rate depends on your property's specific flood zone, elevation, and distance from water. Properties in high-risk flood zones will pay more, while properties in moderate or low-risk zones may qualify for lower preferred risk policies.
Florida homeowners insurance rates are rising due to accumulated risk from recent hurricanes, increased reinsurance costs, elevated construction expenses, and litigation costs. Citizens Insurance announced rate increases of 6-14% for 2025. Many private insurers have also raised rates or left the Florida market entirely, making it more challenging and expensive to find coverage.
Homeowners insurance covers wind damage from hurricanes, such as roof damage, broken windows, and rain that enters through wind-created openings. However, it does not cover flooding from rising water, including storm surge from the Halifax River. You need a separate flood insurance policy for rising water damage, which is why most Port Orange residents near water should carry both homeowners and flood coverage.
Port Orange has four local insurance agencies that serve the community and understand Volusia County's specific risks. Working with a local agent provides advantages like knowledge of which carriers are actively writing policies in the area, experience with Florida's hurricane claims process, and personalized service. Independent agents can shop your coverage across multiple insurers to find the best rates and coverage options.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network