{"id":151,"date":"2026-10-10T17:57:46","date_gmt":"2026-10-10T21:57:46","guid":{"rendered":"https:\/\/www.myuniversalinsurance.com\/homeowners-insurance\/"},"modified":"2026-10-29T15:08:31","modified_gmt":"2026-10-29T19:08:31","slug":"homeowners","status":"publish","type":"page","link":"https:\/\/www.myuniversalinsurance.com\/es\/homeowners\/","title":{"rendered":"Seguro de casa"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"151\" class=\"elementor elementor-151\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e3fda74 e-flex e-con-boxed uia-pagehero e-con e-parent\" data-id=\"e3fda74\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-352571e elementor-widget elementor-widget-text-editor\" data-id=\"352571e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-crumbs\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a8a996 uia-eyebrow elementor-widget elementor-widget-heading\" data-id=\"3a8a996\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Home insurance<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82be9fc elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"82be9fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Homeowners insurance in Orlando and across Florida<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a48b5f elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3a48b5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Florida homes need coverage built for Florida: hurricanes, older roofs, inspection rules and a market that keeps changing. Our team compares carriers like American Integrity, Cypress and Universal Property &amp; Casualty to find a policy that fits your home and your budget.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d216cbc elementor-widget elementor-widget-text-editor\" data-id=\"d216cbc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-btns\"><a class=\"uia-a-btn uia-gold\" href=\"\/get-a-quote\/?coverage=home\">Get a homeowners quote<\/a><a class=\"uia-a-btn uia-ghost\" href=\"tel:+14078981116\">Call (407) 898-1116<\/a><\/p><p style=\"margin-top:14px;color:#C9D2E0;font-size:15px\">Buying a home or have your paperwork handy? <a style=\"color:#C9A24D;font-weight:700;text-decoration:underline\" href=\"\/home-owner-quotes\/\">Fill out the full application<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-99c3b3e e-flex e-con-boxed e-con e-parent\" data-id=\"99c3b3e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f28111f e-flex e-con-full e-con e-child\" data-id=\"f28111f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5dcb529 e-flex e-con-full uia-answer e-con e-child\" data-id=\"5dcb529\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-babb44a elementor-widget elementor-widget-heading\" data-id=\"babb44a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">The short answer<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9ace8d elementor-widget elementor-widget-text-editor\" data-id=\"b9ace8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A Florida homeowners policy covers your home&#8217;s structure, your belongings, your liability if someone is hurt on your property, and extra living costs if you can&#8217;t stay home after a covered loss. Hurricane damage is usually covered with a separate hurricane deductible. Flood is never covered by a standard policy and needs its own flood policy. Your price depends mostly on your roof, your home&#8217;s age and location, and any wind mitigation features.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ab360f uia-prose elementor-widget elementor-widget-text-editor\" data-id=\"3ab360f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2>What a Florida homeowners policy covers<\/h2><p>Most homes here are insured on an HO-3 policy. It&#8217;s built from a few parts, and each one has its own limit:<\/p><ul><li><strong>Dwelling:<\/strong> the house itself, including the roof, walls, built-in appliances and attached structures like a garage or screened lanai.<\/li><li><strong>Other structures:<\/strong> fences, sheds and detached structures on your lot.<\/li><li><strong>Personal property:<\/strong> your furniture, clothes, electronics and other belongings, at home or away.<\/li><li><strong>Loss of use:<\/strong> hotel stays, meals and other extra costs while your home is being repaired after a covered loss.<\/li><li><strong>Personal liability:<\/strong> legal costs and damages if someone is injured at your home or you accidentally damage someone else&#8217;s property.<\/li><li><strong>Medical payments:<\/strong> small medical bills for guests hurt on your property, no matter who was at fault.<\/li><\/ul><h2>What it doesn&#8217;t cover<\/h2><p>A few gaps catch Florida homeowners off guard every storm season:<\/p><ul><li><strong>Flood.<\/strong> Rising water, storm surge and heavy rain that floods in from outside are excluded. You need a separate <a href=\"\/flood-insurance\/\">flood insurance policy<\/a>, and most have a 30-day waiting period.<\/li><li><strong>Wear and maintenance.<\/strong> A roof that leaks because it&#8217;s simply old, or plumbing that fails slowly over time, usually isn&#8217;t covered.<\/li><li><strong>Sinkholes.<\/strong> Florida policies cover catastrophic ground cover collapse, but broader sinkhole coverage is optional. If you live in an area with sinkhole activity, ask us about adding it.<\/li><\/ul><h2>How hurricane deductibles work<\/h2><p>Most Florida policies have two deductibles: an all-other-perils deductible for things like fire or a burst pipe, and a separate hurricane deductible. The hurricane deductible is usually a percentage of your dwelling coverage, often 2% or 5%.<\/p><p>Here&#8217;s what that looks like in real dollars. On a home insured for $300,000, a 2% hurricane deductible means you pay the first $6,000 of hurricane damage. A 5% deductible means $15,000. A higher deductible lowers your premium, so we&#8217;ll walk through what you could actually afford to pay after a storm before you choose.<\/p><h2>What affects your price<\/h2><ul><li><strong>Your roof.<\/strong> Age, material and condition matter more than anything else. Carriers look closely at roofs older than about 15 years.<\/li><li><strong>Your home&#8217;s age.<\/strong> Older homes usually need a <a href=\"\/what-is-a-4-point-inspection\/\">4-point inspection<\/a> of the roof, electrical, plumbing and heating and cooling systems.<\/li><li><strong>Wind mitigation features.<\/strong> Hurricane straps, a hip roof, secondary water barriers and impact windows or shutters can earn real discounts, but only with a current <a href=\"\/florida-wind-mitigation-inspection\/\">wind mitigation report<\/a> on file.<\/li><li><strong>Location.<\/strong> Distance to the coast, flood zone and local claim history all factor in.<\/li><li><strong>Claims history and insurance score,<\/strong> where the carrier uses them.<\/li><\/ul><h2>Non-renewed, cancelled or priced out?<\/h2><p>Carriers in Florida have pulled back, tightened roof rules and raised rates. If you received a non-renewal notice or your premium jumped, send it to us as soon as it arrives. The earlier we start, the more carriers we can check. Our guide to <a href=\"\/home-insurance-non-renewal-florida\/\">what to do after a non-renewal<\/a> explains the timeline.<\/p><p>If private carriers won&#8217;t write your home, Citizens Property Insurance Corporation, the state-created insurer, may be an option. Citizens has eligibility rules, and its policyholders are now required to carry flood insurance on a phased schedule. We&#8217;ll look at the private market first and tell you honestly where you stand.<\/p><h2>Why homeowners work with our team<\/h2><p>We&#8217;re an independent agency, so we can quote several carriers in one conversation instead of one. Our team works in English and Spanish, helps buyers get coverage in place before closing, and takes a fresh look at your policy at renewal so you&#8217;re not just accepting whatever increase comes in the mail.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-46272ef e-flex e-con-full e-con e-child\" data-id=\"46272ef\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:110,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t<div class=\"elementor-element elementor-element-dbd67b4 e-flex e-con-full uia-side e-con e-child\" data-id=\"dbd67b4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e808893 elementor-widget elementor-widget-heading\" data-id=\"e808893\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get a homeowners quote<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3064a93 elementor-widget elementor-widget-text-editor\" data-id=\"3064a93\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Have your address, the year your roof was replaced and your current declarations page handy. That&#8217;s usually all we need to start.<\/p><p style=\"margin-top:10px\">Buying a home or want to send everything at once? The full application takes about 10 minutes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f0e4ab elementor-widget elementor-widget-text-editor\" data-id=\"7f0e4ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-btns\"><a class=\"uia-a-btn uia-gold\" href=\"\/get-a-quote\/?coverage=home\">Start my quote<\/a><a class=\"uia-a-btn uia-ghost\" href=\"\/home-owner-quotes\/\">Fill out the full application<\/a><a class=\"uia-a-btn uia-ghost\" href=\"tel:+14078981116\">Call (407) 898-1116<\/a><\/p><p style=\"margin-top:12px;color:#C9D2E0;font-size:15px\">Or text <a href=\"sms:+14073756664\">(407) 375-6664<\/a>. Se habla espa\u00f1ol.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-94ab63e e-flex e-con-full uia-related e-con e-child\" data-id=\"94ab63e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7136672 elementor-widget elementor-widget-heading\" data-id=\"7136672\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Related coverage<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61352b4 elementor-widget elementor-widget-text-editor\" data-id=\"61352b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"\/flood-insurance\/\">Flood insurance<\/a><br><a href=\"\/condo-insurance\/\">Condo insurance (HO-6)<\/a><br><a href=\"\/landlord-insurance\/\">Landlord &amp; rental property<\/a><br><a href=\"\/mobile-home-insurance\/\">Mobile home insurance<\/a><br><a href=\"\/umbrella-insurance\/\">Umbrella insurance<\/a><br><a href=\"\/realtors-and-lenders\/\">Buying a home? For realtors &amp; lenders<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e6ec897 e-flex e-con-boxed e-con e-parent\" data-id=\"e6ec897\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-630da7c elementor-widget elementor-widget-heading\" data-id=\"630da7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Homeowners insurance questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4f220e elementor-widget elementor-widget-accordion\" data-id=\"d4f220e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2231\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2231\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How much is homeowners insurance in Orlando?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2231\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2231\"><p>It depends heavily on your roof&#8217;s age, your home&#8217;s age and features, your coverage limits and your deductibles, so two houses on the same street can be priced very differently. The quickest way to get a real number is a quote. With your address, roof year and current policy, our team can usually compare carriers the same day.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2232\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2232\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Is hurricane damage covered by homeowners insurance in Florida?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2232\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2232\"><p>Wind damage from a hurricane is generally covered, subject to your hurricane deductible. Flooding from storm surge or rising water is not, which is why we recommend a separate flood policy for most Florida homes.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2233\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2233\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Do I need a 4-point inspection?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2233\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2233\"><p>Many carriers ask for one on older homes, often around 25 to 30 years old, though each carrier sets its own rule. The inspection checks the roof, electrical, plumbing and heating and cooling systems. We&#8217;ll tell you up front whether the carriers that fit your home require one.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2234\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2234\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Can I get homeowners insurance with an older roof?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2234\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2234\"><p>Often, yes. Florida law limits when an insurer can turn down a home based only on roof age, and a roof inspection showing remaining useful life can help on older roofs. Options narrow as roofs age, which is exactly when comparing several carriers matters most.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How much is homeowners insurance in Orlando?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>It depends heavily on your roof&#8217;s age, your home&#8217;s age and features, your coverage limits and your deductibles, so two houses on the same street can be priced very differently. The quickest way to get a real number is a quote. With your address, roof year and current policy, our team can usually compare carriers the same day.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Is hurricane damage covered by homeowners insurance in Florida?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Wind damage from a hurricane is generally covered, subject to your hurricane deductible. Flooding from storm surge or rising water is not, which is why we recommend a separate flood policy for most Florida homes.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Do I need a 4-point inspection?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Many carriers ask for one on older homes, often around 25 to 30 years old, though each carrier sets its own rule. The inspection checks the roof, electrical, plumbing and heating and cooling systems. We&#8217;ll tell you up front whether the carriers that fit your home require one.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Can I get homeowners insurance with an older roof?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Often, yes. Florida law limits when an insurer can turn down a home based only on roof age, and a roof inspection showing remaining useful life can help on older roofs. Options narrow as roofs age, which is exactly when comparing several carriers matters most.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b1609e e-flex e-con-boxed e-con e-parent\" data-id=\"1b1609e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c441d01 elementor-widget elementor-widget-heading\" data-id=\"c441d01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Let's take a look at your home<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5dab94 elementor-widget elementor-widget-text-editor\" data-id=\"f5dab94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align:center\">Send us your current policy or just your address. We&#8217;ll compare carriers and explain your options in English or Spanish.<\/p><p class=\"uia-btns\" style=\"justify-content:center\"><a class=\"uia-a-btn uia-gold\" href=\"\/get-a-quote\/?coverage=home\">Get a homeowners quote<\/a><a class=\"uia-a-btn uia-ghost\" href=\"tel:+14078981116\">Call (407) 898-1116<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a8ec00e e-con-full e-flex e-con e-parent\" data-id=\"a8ec00e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10b7343 elementor-widget elementor-widget-html\" data-id=\"10b7343\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Service\",\"name\":\"Homeowners Insurance\",\"serviceType\":\"Homeowners insurance\",\"description\":\"Florida homeowners insurance compared across many carriers, with help on older roofs, 4-point and wind mitigation inspections, hurricane deductibles and non-renewals.\",\"url\":\"https:\/\/www.myuniversalinsurance.com\/homeowners\/\",\"provider\":{\"@id\":\"https:\/\/www.myuniversalinsurance.com\/#organization\"},\"areaServed\":[{\"@type\":\"State\",\"name\":\"Florida\"},{\"@type\":\"City\",\"name\":\"Orlando\"}]}<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home insurance Homeowners insurance in Orlando and across Florida Florida homes need coverage built for Florida: hurricanes, older roofs, inspection rules and a market that keeps changing. Our team compares carriers like American Integrity, Cypress and Universal Property &amp; Casualty to find a policy that fits your home and your budget. Get a homeowners quoteCall [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-151","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/151","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/comments?post=151"}],"version-history":[{"count":6,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/151\/revisions"}],"predecessor-version":[{"id":424,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/151\/revisions\/424"}],"wp:attachment":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/media?parent=151"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}