The top-rated condo insurance agent in Oviedo, Florida is Steve Manzano - State Farm Insurance Agent, rated 4.9 stars across 423 reviews. Other highly rated options include Professional Property & Casualty LLC, Jorel Rodriguez - State Farm Insurance Agent, Jeffrey B Campbell - State Farm Insurance Agent. This directory lists 19 condo insurance agents serving Oviedo.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Steve Manzano - State Farm Insurance Agent | 1977 Alafaya Trail #1031 | (407) 542-0067 |
| 2 | Professional Property & Casualty LLC | 2050 Winter Springs Blvd | (407) 366-7746 |
| 3 | Jorel Rodriguez - State Farm Insurance Agent | 1875 County Rd 419 #300 | (407) 278-2371 |
| 4 | Jeffrey B Campbell - State Farm Insurance Agent | 2840 Tuskawilla Rd | (407) 671-8333 |
| 5 | Brightway Insurance, Oviedo-Winter Springs | 1500 Alafaya Trail STE 1012 | (407) 706-6550 |
| 6 | Salmon Agency | 1890 County Rd 419 #1040 | (407) 365-1766 |
| 7 | Karla Salmon Insurance | 95 E Mitchell Hammock Rd #201 | (407) 478-8808 |
| 8 | Goosehead Insurance - Stephanie Velez | 1317 W Broadway St | (407) 785-6761 |
| 9 | Adam Williams - State Farm Insurance Agent | 7250 Red Bug Lake Rd STE 1016 | (407) 365-8595 |
| 10 | Kerbelis Insurance Agency | 1949 County Rd 419 #1251 | (407) 775-2760 |
Steve Manzano - State Farm Insurance Agent serves the Oviedo, Florida area as a local condo insurance agent. The office provides specialized coverage plans tailored for individual unit owners within homeowners associations. They help clients protect their personal belongings, interior fixtures, and liability exposure. Comprehensive policies can address the gap between a master association policy and an owner’s personal needs. Steve Manzano’s agency specifically handles loss assessment coverage for shared property deductibles and water damage protections for interior systems.
Professional Property & Casualty LLC offers a complete range of condo insurance agent services in Oviedo, FL, including personalized policy consultations, coverage comparisons, and claims assistance. Their service approach involves reviewing each client’s specific unit structure and community association requirements to ensure adequate protection. Regular policy reviews are provided to adjust for changes in property value or local regulations. The company brings together relevant coverage options from various carriers. It services single-family homes, apartments, retail properties, and restaurants.
Jorel Rodriguez - State Farm Insurance Agent serves homeowners and condo association boards in Oviedo, Florida, offering tailored condo insurance policies that protect personal property, liability, and shared building structures. The agency helps clients navigate coverage needs specific to Florida’s condominium laws and weather risks, ensuring adequate protection for units and common areas. For those seeking insurance near the University of Central Florida area, Jorel Rodriguez also provides services to communities in Winter Park.
Serving Oviedo and the surrounding communities of Seminole County, Jeffrey B Campbell - State Farm Insurance Agent handles a full range of condo insurance policies tailored to individual unit owners. The agency helps clients understand the specific coverage needed for their personal property, liability, and interior structural improvements not covered by the master policy. To manage a typical job, the agent reviews the condo association’s master policy first, then recommends an appropriate personal policy to fill any coverage gaps.
Some condo insurance services provide ongoing policy management, while others deliver a single cost analysis. For residents of Oviedo, Florida, Brightway Insurance, Oviedo-Winter Springs offers both one-time quote comparisons and continuous support for coverage needs. Typical policy considerations in this area include windstorm deductibles, loss assessment protection, and personal liability limits. Their service for condominium owners is conducted on either a one-time quote or a recurring scheduled-basis according to client preference.
Salmon Agency specializes in helping Oviedo condo owners secure tailored insurance policies that cover interior structures and personal liability. The agency works with local insurers to find appropriate coverage for common condo risks, including water damage and loss assessments. It also guides clients through the details of master policy gaps that may require separate personal protection. During Florida’s busy hurricane season, the agency is particularly focused on assisting clients with windstorm coverage and ensuring their policies adequately address storm-related damage claims.
As hurricane season approaches in Oviedo, many condo owners face rising insurance premiums and shifting coverage requirements from their associations. Karla Salmon Insurance responds by offering tailored policies for individual units, ensuring protection for interior structures and personal belongings often excluded from master policies. The team helps clients understand loss assessment endorsements and liability coverage needed for common area exposures. An in-person or virtual inspection of the unit is scheduled to document existing conditions and identify any potential risk factors before finalizing the quote.
Goosehead Insurance - Stephanie Velez provides comprehensive condo insurance solutions for property owners in Oviedo, Florida. The agency focuses on tailoring coverage to meet the specific needs of individual condominium units, including add-ons for interior fixtures, personal liability, and loss assessment protection. It helps clients navigate the gap between a building master policy and personal coverage. The company can serve commercial sectors such as professional offices, warehouses, and food service establishments.
As a residential condo insurance agent in Oviedo, FL, Adam Williams with State Farm Insurance Agent provides policies that protect individual units and personal belongings. Commercial coverage is also available for local businesses needing liability and property protection. His service area encompasses Oviedo and the neighboring Central Florida communities. Between regular policy reviews, he follows up with clients to discuss coverage changes or renewal details, ensuring continuous service for long-term insurance needs.
Kerbelis Insurance Agency in Oviedo, FL is known for helping condo owners secure appropriate dwelling coverage. The agency handles the specific needs of individual condo policies, complementing master association plans. Clients receive guidance on protecting personal belongings and interior improvements against common property risks. Condo insurance in this area often requires careful attention to loss assessment endorsements and liability protections. For added security, the agent offers an optional insurance add-on for scheduled personal property items like fine art or jewelry.
What Does a a Condo Insurance Agent in Oviedo Cost?
Typical condo insurance costs in Florida range from 300 to 800 dollars per year for an HO6 policy. Factors include your unit value deductible level and location in Oviedo. Loss assessment coverage and flood insurance add to the premium. This is general information and not insurance advice.
About condo insurance agents in Oviedo
Condo insurance agents in Oviedo Florida help owners secure HO6 policies that cover interior walls floors and personal property. Florida law requires condo associations to insure the building shell but owners must insure their unit improvements and liability. An agent can explain the difference between master policy coverage and your personal needs under Florida Statute 718.111.
Frequently Asked Questions
What does a condo insurance agent in Oviedo do?
A condo insurance agent helps you find an HO6 policy that covers your unit interior fixtures and personal belongings. They also advise on loss assessment coverage for shared building repairs. In Florida this is important because condo associations often assess owners for large deductibles.
Do I need condo insurance if the association has a master policy?
Yes. The master policy typically covers the building exterior and common areas. You need your own HO6 policy to cover interior walls cabinets flooring and your personal property. Florida law also requires you to have liability coverage for accidents inside your unit.
How does Florida law affect condo insurance requirements?
Florida Statute 718.111 requires condo associations to maintain property insurance on the buildings. However owners are responsible for insuring their unit improvements and personal property. An Oviedo agent can help you understand the specific coverage needed based on your associations master policy type.
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