What home insurance covers
- Dwelling coverage — repairs or rebuilds your home after fire, wind, hail, lightning, or other covered perils.
- Personal property — replaces furniture, clothing, electronics, and other belongings if damaged or stolen.
- Liability protection — pays for legal and medical costs if someone is injured on your property.
- Additional living expenses — covers hotel and meals if your home is uninhabitable during repairs.
- Other structures — protects detached garages, sheds, fences, and guest houses.
Florida-specific risks to consider
Florida homeowners face wind, hurricane, and flood exposure that many other states do not. Standard homeowners policies cover wind damage but typically exclude flooding. Depending on your Orlando location and mortgage requirements, we may recommend a separate flood insurance policy through the National Flood Insurance Program or a private carrier. We'll review your home's replacement cost, including current construction prices, so you're not underinsured after a major storm.
Homeowners vs. renters insurance
Whether you own your home or lease it, you need protection for your belongings and liability. Here's what each policy covers in Orlando.
Homeowners insurance
For people who own their home
- Dwelling coverage — repairs or rebuilds the house itself after a covered loss.
- Other structures — protects detached garages, sheds, fences, and guest houses.
- Personal property — replaces furniture, electronics, and clothing if damaged or stolen.
- Liability & ALE — covers injuries on your property and temporary housing during repairs.
- Required by lenders — mortgage companies require it before closing.
Renters insurance
For people who lease an apartment or house
- Personal property — covers your belongings, since the landlord's policy won't.
- Liability protection — pays if someone is injured in your rental or you damage the property.
- Additional living expenses — covers hotel and meals if the unit is uninhabitable.
- No dwelling coverage — the building itself is covered by the landlord's policy.
- Affordable protection — usually costs less than homeowners insurance while covering what matters most.
Own rental property? We also offer landlord insurance to protect the structure, rental income, and your liability as a property owner.
How much does home insurance cost?
Premiums are based on your home's age, construction type, roof condition, replacement cost, location, and selected deductibles. As an independent agency, Cheap Car Insurance Orlando compares multiple carriers to find the best coverage for your budget — and we'll make sure you understand what is and isn't covered before you buy.
Why Orlando homeowners trust Cheap Car Insurance Orlando
We live and work in the same community we insure. When a storm rolls through Orlando, we're here to help you report claims, understand your coverage, and get your life back to normal. Our independent status means we can move you to a better carrier if your rates spike or your coverage no longer fits — without losing the personal relationship you've built with our team.
Frequently asked questions
- What does homeowners insurance cover?
- It typically covers the dwelling, personal belongings, liability, and additional living expenses if your home becomes uninhabitable due to a covered loss.
- Is home insurance required in Florida?
- It is not required by law, but mortgage lenders require it. Even without a mortgage, it is essential protection in Florida's storm-prone climate.
- Does homeowners insurance cover hurricane damage?
- Wind damage is usually covered, but flood damage is not. A separate flood insurance policy may be needed depending on your location.