Competitive Homeowners Insurance in Florida, Without Compromise
Protect your Florida home coverage that balances price and protection, giving you peace of mind without sacrificing quality.
At Salmon Insurance Group, we believe Floridians deserve more than a one-size-fits-all policy. Your home is one of your most valuable assets, and protecting it shouldn’t mean overpaying or settling for less.
That’s why we provide competitive homeowners insurance in Orlando and across Florida — without compromise. Our team helps you find coverage that balances price, protection, and personal service, so you can feel confident your home is in good hands.
About homeowners insurance in Orlando Florida
Homeowners insurance in Orlando Florida is one of the most important insurance policies you could ever own.
It’s important to understand that no two homeowners insurance policies are created equal though. Different insurance companies offer different levels of coverage, different endorsements and riders, and have different conditions and limitations.
We can help you find the best homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and competitive pricing.
What’s Included in a Florida Homeowners Insurance Policy
These are some common coverages you typically see on a policy in Orlando Florida:
Dwelling
Covers repairs or rebuilding if your home is damaged.
Personal Liability
Protects you if someone is injured on your property or if you’re held legally responsible for damages.
Other Structures
Garages, fences, sheds, and other detached structures on your property
Personal Property
Belongings like furniture, electronics, appliances, and clothing.
Loss of Use
Pays for living expenses if you can’t stay in your home due to a covered loss.
Deductibles
The portion you pay out of pocket when a claim occurs. In Florida, homeowners choose between:
- Flat Deductible: A fixed dollar amount (e.g., $2,500 per claim)
- Percentage Deductible: A percentage of your home’s insured value (commonly used for wind/hail coverage).
We’ll walk you through your options so you understand how each impacts your premium and your out-of-pocket costs when a loss happens.
*Optional coverages like water backup, jewelry, and high-value property endorsements are also available.
How to Get a Homeowners Insurance Quote in Florida
Getting a homeowners insurance quote is easy. Here are some of the important questions we’ll ask:
Do you own a home with unique architecture or worth more than $1 million? We represent many carriers that specialize in high net worth properties.
Click below to start your home insurance quote and we’ll reach out shortly to discuss your coverage options.
