Individual Insurance
Individual Insurance in Orlando, FL
Universal Insurance Agency will protect your home, family, assets, and top priorities with ease and professionalism. For over 30+ years, we’ve provided customers with exceptional individual insurance in Orlando, FL, and surrounding areas, backed and supported by the area’s top strategically placed companies. Our diverse, years-long portfolio enables customers to tailor and customize their coverage according to their specific needs. From coverage for auto, home, condo, flood, and beyond, our elite team will guide and support you every step of the way.
Auto Insurance
Auto insurance covers more than just damages and injuries from accidents. It can also provide financial protection against theft and other types of vehicle damage. Different coverages include bodily injury, property damage, comprehensive, and collision insurance. When buying auto insurance, you must ensure you have enough coverage to meet state laws and your personal needs. Our policies are designed to fit what you need.
Homeowners Insurance
Homeowners insurance protects homes and belongings from damage or loss due to fire, theft, and vandalism. This type of insurance covers your house and the items inside it. It can help pay for additional living expenses if you can’t live in your home because of a covered event.
Covers damage to your home and belongings.
Helps with living expenses if your home becomes unlivable.
Protects you if someone gets hurt on your property or if you damage someone else's property.
Helps pay for medical bills if a guest is injured at your home.
Condo Insurance
Condo insurance through association dues doesn’t cover personal items like furniture, electronics, cabinets, mirrors, light fixtures, blinds, and floors. The insurance only covers the building itself. So, if anything happens to the inside of your unit, it’s your responsibility. That’s why getting extra coverage is crucial when buying a condo. Condo insurance will protect the finishings from your dry wall to anything fixed and stationary (ie: window treatments, flooring, cabinets, etc…) plus your personal property.
Flood Insurance
If you’re buying a home in a medium-to-high-risk flood area with a bank loan, the bank will require flood insurance before you can close on the house. Even if you live outside of a flood zone, it’s a good idea to get a preferred flood insurance policy, which is usually available at a low cost.
Renters Insurance
We encourage you to get renters insurance if you rent a home, condo, or apartment. It will protect you from storms, broken pipes, fires, or theft. It covers your personal belongings and can also cover injuries or damage to other people or their property on or within your premises. If you are a roommate on someone else’s property, you can get a policy to protect your belongings. Renters insurance is often and can save you a lot of money in the long run.
Boat
As a boat owner, having the right insurance is crucial. Like car insurance, a boat and personal watercraft policy protects you in many ways. Here are the key coverages:
- Physical Damage Coverage: This protects your boat if it collides with another boat or hits something underwater.
- Liability Coverage: Coverage for you when someone gets hurt or if you damage someone else’s property.
- Personal Property Coverage: This protects your belongings on the boat, like electronics, cameras, and clothing.
- Towing Assistance Coverage: This helps with gas delivery and towing your boat to a repair shop in emergencies.
Motorcycle Insurance
Motorcycle insurance helps protect you and your passengers if you have an accident. It covers damage to your bike and injuries to people. It also protects you if you’re responsible for causing the accident. The main types of coverage are:
- Bodily Injury: Pays for injuries to others.
- Property Damage: Covers damage expenses to someone else’s property.
- Comprehensive: Protects against non-collision events like theft or weather damage.
- Collision: Covers damage to your motorcycle from a crash.
RV Insurance
RV insurance policies can cover many vehicles, including motor coaches, motor homes (Class A, B, and C), campers, camper vans, travel trailers, pop-ups, toy haulers, and fifth wheels. An RV policy will give you the protection you need to enjoy your vacations worry-free.
Personal
A Personal Article Floater is a type of insurance that covers valuable items like jewelry, fine art, cameras, golf clubs, musical instruments, silverware, stamp and coin collections, and antiques. A regular homeowner’s insurance policy only covers up to $1,000 per item. To get coverage, you must provide appraisals or receipts for your items.
Personal Umbrella Insurance
Umbrella insurance is extra liability coverage that exceeds the limits of your regular insurance policies. It’s called an “umbrella” because it extends protection over all your other policies, like car and home insurance. Depending on the type you buy, umbrella insurance can also cover things your regular policy might not. This insurance is usually sold in amounts of one million dollars. For example, if your car insurance covers up to $500,000 in liability, adding a one-million-dollar umbrella policy would increase your coverage to $1,500,000 for a car accident claim.