The top-rated home insurance agent in St Cloud, Florida is Univista Insurance, rated 5.0 stars across 787 reviews. Other highly rated options include MM Insurance Pro, Client Care Insurance, Dolly Clements Garcia - State Farm Insurance Agent. This directory lists 19 home insurance agents serving St Cloud.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Univista Insurance | 521 13th St | (407) 964-1787 |
| 2 | MM Insurance Pro | 1207 Michigan Ave | (407) 908-7474 |
| 3 | Client Care Insurance | 2001 Hickory Tree Rd | (407) 574-5599 |
| 4 | Dolly Clements Garcia - State Farm Insurance Agent | 1101 New York Ave | (407) 556-3203 |
| 5 | Ford Insurance | 113 E 13th St | (407) 847-5892 |
| 6 | Amsley Insurance Services | 1617 13th St | (407) 892-9645 |
| 7 | GreatFlorida Insurance: Tony Busby | 1417 Hamlin Ave UNIT G | (407) 270-8220 |
| 8 | Barakat Insurance Agency | 2722 13th St | (407) 705-3877 |
| 9 | Central Care Insurance | 3415 Perching Rd | (833) 339-6434 |
| 10 | Ashton Insurance Agency LLC | 123 E 13th St | (407) 498-4477 |
As a home insurance agent in St Cloud, Florida, Univista Insurance offers a range of services including policy evaluation and personalized coverage options. Their service approach involves helping clients understand different policy structures and the necessity of adequate protection for their assets. Maintenance plans are not applicable to insurance agents, but the company provides ongoing support for claims assistance and policy updates throughout the year. It services single-family homes, apartments, retail spaces, and local restaurants.
MM Insurance Pro serves the St. Cloud, Florida area as a home insurance agent, assisting local homeowners with finding coverage for their properties. The company works with clients to evaluate policy options that protect structures and personal belongings. As a general practice in this region, an agent helps navigate common coverage needs such as protection against wind damage and flood risks. MM Insurance Pro specifically handles the placement of standard homeowners policies and the arrangement of additional endorsements for valuable personal items.
Client Care Insurance provides a range of home insurance services for clients in the St Cloud, Florida area, including policy reviews and claims assistance. The agency offers annual policy evaluations and guidance on coverage updates for local homeowners. It works with single-family homes, apartments, and residential condominiums, as well as small retail shops and restaurants seeking property protection.
Dolly Clements Garcia - State Farm Insurance Agent serves homeowners, businesses, and property managers in St Cloud, FL, providing home insurance policies that protect dwellings and personal belongings against local risks such as storms and liability claims. The agency also offers advice on coverage limits and deductibles suitable for Central Florida properties. This St Cloud office additionally serves clients in the neighboring Kissimmee area within Osceola County.
Serving St Cloud and the surrounding Central Florida communities, Ford Insurance handles personal home insurance policies for local homeowners. The agency works with clients to secure coverage that protects residential structures and personal belongings against common regional risks. For each client, the agent conducts a thorough review of property details and individual coverage needs. This tailored evaluation allows the agent to present appropriate policy options, outlining differences in deductibles and liability limits so homeowners can make informed decisions.
When choosing home insurance, customers can opt for a one-time policy or a recurring plan that renews annually. Amsley Insurance Services, based in St. Cloud, FL, provides home insurance agent services that help local homeowners understand the differences between such coverage options. The agency guides clients through policies that protect against common Florida risks like storm damage and liability. Their service is available on an as-needed basis, for example when a homeowner is purchasing a new property or needs to update an existing policy after a renovation.
GreatFlorida Insurance: Tony Busby provides home insurance policies tailored to protect residential properties and their contents against common risks. The agency also assists clients with policy reviews, claims support, and coverage adjustments to meet changing needs. For homeowners in St Cloud, Florida, it helps address annual concerns such as hurricane season preparation and policy updates for storm damage protection.
When Florida storm season approaches in St. Cloud, homes need reliable protection against wind and water damage. Barakat Insurance Agency helps local homeowners review their existing policies or obtain new coverage that meets area requirements. The team explains different deductible options for hurricane claims and guides clients through Florida-specific policy features. An agent can discuss how dwelling coverage is calculated based on current rebuilding costs in the area. The process begins with a personalized consultation to assess the property and its insurance needs with a thorough home inspection.
Central Care Insurance provides residential home insurance services for properties in St Cloud, Florida, tailoring coverage to protect homeowners from local weather risks and structural issues. The agency also offers commercial insurance options for small businesses in the surrounding area. Agents work with multiple carriers to find appropriate policies based on individual property needs. After each policy is placed, the team schedules a follow-up call before the renewal period to review any changes and discuss ongoing coverage adjustments for regular service between visits.
What Does a a Home Insurance Agent in St Cloud Cost?
The average cost of home insurance in Florida is around $3,600 per year, but rates in St Cloud can range from $2,000 to $5,000 or more depending on your home value, roof age, and claims history. Policies with windstorm and sinkhole coverage cost more. Your actual premium will depend on your specific property and coverage choices. This is general information and not insurance advice.
About home insurance agents in St Cloud
Home insurance agents in St Cloud Florida help residents protect their homes from common risks like hurricanes and sinkholes. Florida law requires insurers to offer windstorm coverage and to provide a Citizens Property Insurance Corporation option if needed. Working with a local agent can help you understand specific coverage needs for Central Florida properties.
Frequently Asked Questions
What does a home insurance agent in St Cloud do?
A home insurance agent helps you compare policies from different insurers to find coverage that fits your needs. They explain Florida specific requirements like sinkhole coverage and wind mitigation discounts. The agent also assists with claims and policy changes after purchase.
Do I need flood insurance in St Cloud Florida?
Flood insurance is not required by Florida law for most homeowners, but mortgage lenders may require it if your home is in a flood zone. St Cloud is near Lake Tohopekaliga and can experience heavy rain events. An agent can help you evaluate your flood risk and find a separate flood policy through the NFIP or private insurers.
How does Florida law affect home insurance costs in St Cloud?
Florida law requires insurers to offer windstorm coverage, which can increase premiums in hurricane prone areas. The state also mandates a 3 day right to cancel a new policy without penalty. Agents can explain how local factors like roof age and building codes affect your rate.
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