Comprehensive Home Insurance for Peace of Mind
Your home is more than a structure—it’s where your life happens. In Florida, protecting your home isn’t optional. Between hurricanes, roof claims, and a constantly changing insurance market, having the right homeowners insurance in Orlando is more important than ever.
At The White Agency, we’ve spent over two decades helping local families weather Florida’s unique risks. As an independent agency, we shop top-rated carriers to find policies that provide real protection—at the best value. Whether you live in Avalon Park, Waterford Lakes, or anywhere in East Orlando, we’ll make sure your home is covered from the ground up.
What Your Orlando Homeowners Policy Covers
Dwelling Protection
Covers the structure of your home from damage caused by storms, fire, theft, or other covered events. Florida policies often include a hurricane deductible—our team explains how it works.
Personal Property
Protects belongings inside your home like furniture, electronics, and clothing—even if they’re stolen or damaged while traveling.
Liability Coverage
Covers legal and medical costs if someone is injured on your property or if you cause damage to others.
Loss of Use (ALE)
If your home becomes unlivable due to a covered event, this helps pay for hotel stays, meals, and other temporary living expenses.
Flood Insurance (Separate)
Flooding is not covered by homeowners insurance in Florida. We offer stand-alone flood policies to fill this critical gap.
Wind Mitigation
Florida homes face hurricane risk. We help clients get credit for wind-resistant features—like upgraded roofing or hurricane shutters—when applicable.
Beyond the Basics: Customize Your Protection
Tailored coverage for high-value homes, treasured items, and added peace of mind.
Every home is different—so your insurance should be, too. We help East Orlando homeowners enhance their coverage with endorsements and policies that address the “what ifs” standard plans might miss.
Whether you have fine art, a home-based business, or just want more liability protection, our agents will walk you through the right options for your lifestyle.
- Water Backup: Covers sump pump or drain backups that can cause expensive damage.
- Scheduled Personal Property: Additional protection for jewelry, art, and high-end electronics.
- Umbrella Insurance: Extra liability coverage beyond your home and auto limits. [Link to Umbrella Insurance]
- Equipment Breakdown: Helps with repair/replacement of major systems like HVAC or appliances.
- Home Business Endorsements: Covers inventory or equipment used for at-home work.
Smart questions. Straightforward answers.
Answers for Florida Homeowners
We know Florida home insurance can feel complicated—but you don’t have to figure it out alone. Whether you're concerned about hurricane season or curious about savings, our team is here to help.
Why is homeowners insurance so expensive in Florida?
Florida’s exposure to hurricanes and a challenging legal landscape have made premiums rise. We help clients reduce costs through discounts, wind mitigation credits, and smart shopping.
Does my homeowners policy cover flooding?
No. Flooding is excluded from standard policies. We offer separate flood insurance through FEMA or private carriers.
Can I bundle home and auto insurance for a discount?
Yes. Most of our carriers offer multi-policy discounts when you bundle home and auto.
What if I own a condo or rental property?
We offer Condo Insurance and Landlord Insurance for these situations.
Do I need umbrella insurance with my home policy?
If you want extra liability protection—for things like major lawsuits or large claims—an umbrella policy can be a smart, affordable add-on.