Abney Insurance
502 S Woodland St, Winter Garden, FL 34787
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Winter Garden households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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502 S Woodland St, Winter Garden, FL 34787
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13335 W. Colonist Dr, Winter Garden, FL 34787
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Winter Garden, FL 34787, Winter Garden, FL 34787
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120 S Dillard St, Winter Garden, FL 34787
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5736 Hamlin Groves Trail, Suite 162, Winter Garden, FL 34787
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Learn about insurance coverage options specific to Winter Garden residents.
Home insurance in Winter Garden typically runs between $2,500 and $4,500 annually, depending on your home's value, age, and construction features. Newer homes in master-planned communities often qualify for lower rates, while the Florida average is around $3,815 per year. Orange County residents may see rate increases in 2026, so shopping around with multiple insurers is crucial to finding the best price.
Yes, flood insurance is highly recommended even outside designated flood zones. Starting January 2027, Citizens Property Insurance will require flood coverage on all residential policies. Heavy rainfall can cause flooding anywhere, and standard homeowners policies exclude flood damage entirely. Private flood insurance outside high-risk zones typically costs $400-600 annually, which is inexpensive compared to potential flood damage costs.
Absolutely. Homes built to modern Florida building codes with impact-resistant windows, upgraded roofs, and hurricane-resistant features can qualify for discounts of 20-35% compared to older homes. Get a wind mitigation inspection for $75-125 to document these features and maximize your savings. Insurers favor newer construction because it's designed to withstand Florida's weather challenges.
Your regular deductible applies to most claims and is typically $500-2,500. A hurricane deductible is separate and applies specifically to damage from named storms, usually calculated as 2-5% of your dwelling coverage amount. On a $400,000 home with a 2% hurricane deductible, you'd pay the first $8,000 of hurricane damage yourself. Some insurers let you buy down this percentage for an additional premium.
Review your policy annually, especially given Florida's volatile insurance market. Check that your dwelling coverage reflects current construction costs, verify your deductibles still make sense for your financial situation, and compare rates from other insurers. Also review coverage after any major home improvements, renovations, or changes in your financial circumstances to ensure you're neither underinsured nor overpaying.
If you're unable to secure coverage in the private market, Citizens Property Insurance Corporation serves as Florida's insurer of last resort. While Citizens has become more affordable in recent years, it's still typically more expensive than private options and has limitations on coverage. Work with an independent insurance agent who can shop multiple carriers for you before considering Citizens as your final option.
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