Central Florida

High-value home insurance.

Would your policy replace the kitchen you actually built? We review your home, auto and umbrella together, then send you a short video explaining what we recommend and why.

Request a coverage review Call 407-490-3792

The household review

What’s changed since you bought your policy?

This review is designed for homes with an estimated rebuilding cost of $750,000 to $5 million. We’ll walk through the estimate with you and look at what’s changed, from a kitchen renovation to a new driver in the family.

Your home and its finishes

Your home’s sale price includes the land. We estimate the cost to rebuild on your lot, including details like a tile roof and custom cabinetry. We also check how the policy would pay for roof damage and how much it allows for a temporary place to live.

Pools, lanais and lakefront features

A screen enclosure, dock and boat lift can each have different storm limits or exclusions. We check the wording for your structures and discuss separate flood coverage for rising water.

Explore flood insurance

Drivers, vehicles and your umbrella

A teen driver, a third car or a boat can change your liability needs. We compare the limits on your home, auto and watercraft policies with the limits your umbrella requires, and check which drivers and properties it covers.

Explore umbrella insurance

Jewelry, watches and collections

Would your policy pay enough to replace an engagement ring after a theft? We look at the limit for that item, discuss listing it individually and explain when an appraisal would help.

Home insurance options

Which policy fits your home?

A custom kitchen, a screened pool and a family jewelry collection can each point us toward a different policy. These are three examples from the wider range of Florida home insurance options we can compare for you.

SageSure One

SageSure designed One for “emerging private clients.” Think of a home with custom millwork or stonework you’d want a contractor to be able to match after a loss.

SageSure runs the program as its managing general underwriter (MGU). PGI can quote eligible Florida homes through SURE and Trium, the insurers that issue these surplus lines policies. The Florida program offers dwelling coverage from $750,000 to $4 million.

Explore SageSure One

Document the home you built: After coverage starts, a home assessment can record custom finishes, photos and floor plans. You get practical recommendations, and a dedicated claims specialist can use that record if your home is damaged.
Spot electrical hazards early: Eligible homeowners can enroll for a complimentary Ting sensor that plugs into an outlet and monitors the home for signs of an electrical fire hazard.
Prepare a shingle roof for wind: Where available, LiftLock Wind Defense can reseal loose shingles and clear roof debris before a storm. We’ll check the services available for your roof and address.

Olympus Griffin Premier HO5

For a home with a screened pool or lanai, we’ll check the enclosure limit alongside the hurricane deductible. Griffin Premier includes pool enclosure coverage, wind-driven rain coverage and open-perils protection for your belongings.

For repairs after a covered loss, Olympus offers white-glove claims service through its Elite Repair Program, which works with trained, licensed contractors.

Explore Griffin Premier

Security First Premier HO5

Premier offers up to $5 million in dwelling coverage for eligible homes and includes equipment breakdown and service line coverage. If an engagement ring exceeds the policy’s jewelry limit, we can also price the option to insure it individually for its appraised value.

During a claim, your Security First claims examiner is your main contact. If you’d like help arranging repairs, you can choose its First Choice Repair Network.

Explore Security First Premier

What does “open perils” mean for your belongings?

Both Premier policies use an HO5 form. An HO5 generally covers direct physical loss to belongings like furniture and clothing unless the policy excludes the cause. Item limits and deductibles still apply. We’ll show you the wording that comes with your quote.

Availability depends on the property and underwriting. Coverage, limits, deductibles and exclusions follow the policy issued.

Working with PGI

Talk it through with us.

Before you decide: We send a short video walking through our recommendations. If you’d like to compare deductibles or go through a policy line by line, you can meet live with Eric or another licensed PGI teammate.
Before your renewal: We review your renewal in advance and reach out about changes worth discussing, whether that’s a higher premium, a new roof deductible or a renovation you’ve told us about.
When you have a claim: If you’re waiting on an inspection or an update, call us. We’ll follow up with your carrier and help you find out what happens next.

Eric Hardek

Agency owner & insurance broker

Our family-owned agency serves Windermere, Winter Garden, Horizon West, Clermont and households throughout Central Florida.

Meet the PGI team

To get started, select Property on our form. Add Auto if you’d like us to review your vehicles, too.