Frequently Asked Questions
Clear, local answers for homeowners, drivers, and businesses in Clermont, Winter Garden, Minneola, Windermere, and Orlando.
Home Insurance
›Is flood insurance included in my Florida homeowners policy?
No. Flood is excluded from standard homeowners insurance. We regularly help homeowners in Clermont, Winter Garden, Minneola, Windermere, and Orlando secure separate NFIP or private-market flood policies.
›What is a hurricane deductible?
It’s a separate deductible for named storms, often a percentage of Coverage A. Example: 2% on a $300,000 home = $6,000. This applies across Central Florida, including open-lot neighborhoods in Clermont and Orlando suburbs.
›Do I need a wind mitigation inspection to lower my premium?
Often yes. Newer builds—like many in Minneola and Horizon West (Winter Garden)—may already have roof-to-wall straps, impact openings, and enhanced nailing that earn significant discounts.
›How does roof age affect my Florida home insurance?
Newer roofs usually mean better pricing and more carrier options. We’ve helped many Orlando and Windermere homeowners lower premiums after roof updates; older roofs may face higher costs or ACV settlements.
Auto Insurance
›If bundling isn’t possible, how can you still help me lower my auto rate?
As an independent agency, we shop multiple carriers for you and use other levers to reduce cost without sacrificing key protections, including:
• Telematics/safe-driver programs • Good-student and multi-vehicle discounts • Right-sizing comp/collision deductibles • Vehicle choice and annual mileage • Quoting at renewal to stay ahead of rate changes
›How do I get the best rate for a teen driver?
Good student discounts, telematics programs, and vehicle selection matter most. We guide families in Windermere and Orlando to keep premiums as low as possible while maintaining solid coverage.
›What is uninsured motorist coverage and do I need it?
It protects you if you’re injured by an underinsured driver. In Florida—especially in high-traffic areas like Orlando and Winter Garden—it’s strongly recommended.
Commercial & Cyber Insurance
›What commercial coverages do you offer?
General liability, commercial property, workers’ comp, commercial auto, professional liability, and cyber liability—tailored to your industry. Clients range from boutiques in Winter Garden to contractors in Clermont and Minneola.
›Can you insure small businesses in Florida, including cyber risks?
Absolutely. Whether you’re home-based in Windermere or retail in Orlando, we’ll secure comprehensive protection—including digital risk coverage—for your needs and budget.
›How fast can I get proof of insurance for my business?
As soon as we have a policy number, we can issue certificates of insurance. This is typically within 24 hours, but timing isn’t guaranteed.
General Questions
›How fast can I get proof of insurance for my lender?
Typically same day after approval. We send required documents directly to your lender for properties in Winter Garden, Orlando, and beyond.
›Why choose Premier Group Insurance?
We’re an independent Orlando agency serving Clermont, Winter Garden, Minneola, and Windermere—shopping multiple top-rated carriers to get you the right coverage without the call-center headache.