Camp Insurance LLC - The Eric Camp Agency
126 W State Road 434, Winter Springs, FL 32708
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Winter Springs households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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126 W State Road 434, Winter Springs, FL 32708
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925 West State Road 434, Suite 201, Winter Springs, FL 32708
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1331 Sundial Pt, Winter Springs, FL 32708
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506 East State Road 434, Winter Springs, FL 32708
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1073 Willa Springs Dr, Suite 1009, Winter Springs, FL 32708
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Learn about insurance coverage options specific to Winter Springs residents.
Winter Springs residents save $16/month on auto insurance. Learn about 2026 rate cuts, new flood requirements, and the July auto insurance changes.
Home InsuranceWinter Springs homeowners pay $3,000-$3,800 annually for insurance—less than coastal FL. Learn about hurricane coverage, flood insurance, and savings tips.
Car InsuranceWinter Springs auto insurance guide: Florida's no-fault system ends July 2026. Understand PIP, new requirements, local rates, and what Seminole County drivers need.
Winter Springs residents pay about $16 less per month compared to the state average, making it one of the more affordable areas in Florida for auto insurance. Your actual rate depends on factors like your age, driving record, credit score, and the type of vehicle you drive. Seminole County residents who shop around and compare quotes save an average of $440, so it's worth getting multiple quotes from the 6 local insurance agencies serving Winter Springs.
If you have a Citizens Property Insurance policy, flood insurance will be mandatory starting January 1, 2027, regardless of whether you're in a high-risk flood zone. Even if you have a different insurer, flood coverage is worth considering since standard homeowners policies don't cover flood damage. Flood insurance policies have a 30-day waiting period, so don't wait until you need it to purchase coverage.
On July 1, 2026, Florida will eliminate the no-fault Personal Injury Protection (PIP) system and require bodily injury liability coverage instead. The new minimums are $25,000 per person and $50,000 per incident for bodily injury liability. This is a significant change from the current system, so talk to your insurance agent in early 2026 to understand how it will affect your coverage and rates.
Yes, Florida homeowners are seeing the first rate decreases since 2015 thanks to insurance market reforms. Citizens Property Insurance is implementing an average 2.6% rate cut starting in spring 2026, with three out of five policyholders seeing reductions of 11.5% or about $359 per year. Additionally, 17 new insurance companies have entered Florida's market, creating more competition and giving Winter Springs residents more choices for coverage.
Local agents understand Florida's unique insurance requirements and can shop multiple carriers on your behalf to find the best rates—Seminole County residents save an average of $440 by comparing quotes. They also provide personalized service when you need to file a claim and stay current on regulatory changes like the 2026 auto insurance transition and 2027 flood insurance requirements. Winter Springs has 6 local agencies that can provide this expert guidance tailored to your specific needs.
Umbrella insurance provides additional liability coverage beyond your auto and home policies, typically starting at $1 million in coverage for $150-300 annually. If you have significant assets to protect—like a home in Winter Springs where median household income is $86,332—umbrella coverage offers affordable protection against lawsuits that exceed your standard policy limits. It's especially worth considering if you have teenage drivers, own rental properties, or engage in activities that could increase your liability risk.
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