We Insure Winter Park
1950 Lee Road, Suite 100A, Winter Park, FL 32789
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Winter Park households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1950 Lee Road, Suite 100A, Winter Park, FL 32789
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Winter Park residents.
Winter Park drivers pay $2,292/year on average for car insurance. Learn how Florida's PIP requirements, luxury vehicles, and location affect your rates.
If you own a lakefront property or live in a FEMA-designated flood zone, you almost certainly need flood insurance. Standard homeowners policies don't cover flood damage, and Winter Park's chain of lakes creates flash flooding risks during heavy rain. Your mortgage lender will require it if you're in a high-risk zone, but even if you own your home outright, flood insurance is relatively affordable ($700-$2,000 annually) compared to the catastrophic cost of uninsured flood damage.
Wind mitigation can reduce premiums by 37-40% on older homes in Winter Park. For a home with a $5,000 annual premium, that's $1,850-$2,000 in savings every year. The inspection costs $75-$150, and improvements like hurricane straps, impact-resistant windows, or a fortified roof pay for themselves quickly through reduced insurance costs. This is especially valuable if you own a historic Winter Park home built before modern wind-resistance standards.
Your homeowners policy will typically cover both tree removal and repairs to your home if the tree damages your structure. However, if a tree falls in your yard without hitting anything, you'll pay for removal yourself. If the tree was visibly damaged or decayed and you didn't address it, your insurer might deny the claim for negligence, so it's worth having mature trees inspected by an arborist every few years.
Winter Park's inland location north of Orlando provides some natural protection from direct hurricane strikes, which makes it less risky than coastal properties in Tampa, Miami, or Palm Beach. While you still face hurricane-related wind and rain damage, you're shielded from the storm surge and extreme sustained winds that coastal areas experience. This translates to premiums that are slightly below the Florida state average, though still higher than most other U.S. states.
Absolutely. A Winter Park home with four prior claims was recently deemed uninsurable by some carriers, with one buyer quoted $17,000 annually before the insurer withdrew the offer entirely. Always request a CLUE report (Comprehensive Loss Underwriting Exchange) before purchasing a home to see its seven-year claims history. Properties with multiple prior claims can be extremely difficult and expensive to insure, sometimes doubling or tripling normal premiums.
Florida requires a separate hurricane deductible that's typically 2-10% of your dwelling coverage, not a flat dollar amount like your regular deductible. If you have a $400,000 home with a 5% hurricane deductible, you'll pay the first $20,000 of hurricane damage before insurance coverage begins. This deductible only applies when a hurricane is officially declared, and it's significantly higher than your standard deductible for other types of claims.
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