Why Premier Group Insurance for Home Insurance | Family-Owned • No Call Center • Real Advocacy
Independent • Florida • A-rated carriers
Right Coverage. Real Humans. Faster Answers.
You already requested a quote—thank you. This page explains how we protect Florida homes the right way, why certain coverages matter, and what we’re doing behind the scenes to deliver accurate options without call-center runaround.
★★★★★ Trusted by Florida families • Family-owned • Local team
Insure to the Right Value
Rebuild dollars, not just premium dollars.
We don’t “win” quotes by underinsuring your home. We can’t guarantee any rebuild cost, but we do our absolute best to insure your home to a proper value using reputable replacement-cost estimators, current labor/material trends, and what we learn about your finishes and features.
Why it matters
Underinsuring can mean painful out-of-pocket costs and delays after a loss. The cheapest policy is expensive the day you need to rebuild.
How we estimate
Room-by-room details, square footage, roof type, exterior walls, flooring, cabinetry, fixtures, and unique features feed a professional RCE model—not a guess.
Protection against inflation
We consider inflation guard and extended replacement cost endorsements where available, plus Ordinance & Law coverage for code upgrades.
What we won’t do
We won’t drop Coverage A just to “get a deal.” Our job is to help you recover—proper limits come first, then we optimize deductibles/credits.
Why Coverage Matters
Price without the right coverage is expensive the day you need it.
Below are the decisions that most affect Florida homeowners. We’ll map each one to your home, budget, and risk tolerance.
Hurricane vs. AOP Deductibles
Different perils trigger different deductibles. We’ll set them intentionally so a storm doesn’t create two bad surprises.
Ordinance & Law (25%/50%)
Pays to bring your home up to current code after a covered loss—crucial for major rebuilds.
Water Backup ≠ Flood
Backups need a specific endorsement. Flood is separate—we can add NFIP or private flood alongside your home policy.
Screen Enclosures & Pool Cages
Often limited or excluded. We’ll show options to extend coverage so outdoor spaces are protected.
Replacement Cost on Contents
Avoid garage-sale valuations. Replacement cost helps make your belongings whole.
Liability & Umbrella
Protect savings and future income. We’ll right-size limits and discuss attractive nuisances (pools, pets, trampolines).
Family-Owned & Local
Real people. No call center. Your advocates at claim time.
We’re Eric & Tiffany Hardek—raising our family here in Central Florida. We built PGI to deliver quick, competent help from humans. When something goes wrong, we help you navigate adjusters, timelines, and coverage questions.
Eric Hardek
Owner, Premier Group Insurance
Winter Garden • Windermere • Clermont • Minneola
Independent, not captive: we shop multiple A-rated carriers to align coverage, underwriting fit, and price.
Responsive: text, call, or message us in the app.
Advocacy: real support during claims—not just quotes at purchase.
Free Client App
Manage Your Insurance from Your Phone
PGI clients get the Insurance Agent app — access ID cards, policy docs, claims help, and billing in seconds. Built for busy families in Winter Garden, Clermont, Minneola, and Windermere.
Methodical, not random — we place you where the fit is strongest.
1) Underwriting Fit
Roof age/condition, opening protection, location, construction. We start where eligibility is strongest to avoid dead-end quotes.
2) Coverage Match
We prioritize carriers that allow the coverage you actually want (Ordinance & Law %, Water Backup, special structures, liability).
3) Stability & Service
Financial strength, claim responsiveness, and renewal behavior matter. We weigh these with you.
4) Price You Can Live With
Once the fit is right, we optimize deductibles and credits for a fair rate.
5) Clear Comparison
You’ll see a side-by-side that explains trade-offs in plain English so you can choose with confidence.
Education Hub
Understand the trade-offs — in two minutes each.
How Florida carriers price risk
Roof age/condition and opening protection (impact glass or approved shutters)
Wind zone / distance to coast and construction type
Prior claims and recent updates to electrical, plumbing, HVAC, and roof
Coverage selections (deductibles, Ordinance & Law %, Water Backup)
Why we ask for inspections and documents
Verified features unlock credits and ensure accurate quotes. A Wind Mitigation (OIR-B1-1802) and, for older homes, a 4-Point inspection document roof, electrical, plumbing, and HVAC. Your current Declarations Page helps us compare apples-to-apples and spot gaps to fix.
Coverage glossary (plain English)
Hurricane deductible: Applies to named storms only; set with intent.
AOP deductible: Everything else (fire, theft, water damage, etc.).
Ordinance & Law: Funds code upgrades after a covered loss.
Water Backup: Covers backups from sewers/sumps (not flood).
Replacement Cost on Contents: Replaces items at new price.
How we advocate at claim time
We help document damage, coordinate with adjusters, and explain coverage so you’re not navigating a stressful moment alone. Our goal: timely, accurate settlement with minimal back-and-forth.
What We’re Doing Now
Behind the scenes after your request.
1) We build your risk profile
Home age, roof details, opening protection, prior claims, and location specifics. This keeps quotes accurate and comparable.
2) We shop multiple carriers
We align coverage with underwriting appetite and price, then prepare a side-by-side that explains trade-offs in plain English.
3) We review with you
Quick call or app chat to confirm priorities (deductible comfort, water backup, code coverage). We finalize your best-fit option.
