Why Winter Park Homeowners Choose Premier Group Insurance

Historic & updated homes: We align coverage for older construction, renovations, and higher rebuild costs near the lakes.
Storm‑smart: Right‑size hurricane/wind deductibles, apply wind‑mitigation credits, and address lake‑adjacent exposures.
High‑value protection: Extended dwelling, replacement cost on roof & contents, water backup, valuables scheduling, and umbrella liability.

What Your Winter Park Policy Can Include

Wind, hurricane, hail, and fire—configured for tile/shingle or metal roofs with ordinance/code upgrades for older homes.

Replacement cost on furniture, appliances, electronics, wardrobes—no depreciation deduction at claim time.

Higher limits plus optional umbrella—ideal for pools, pets, docks, and frequent entertaining.

Walls‑in coverage, betterments & improvements, and loss assessment—synced to your association’s master policy.

Do I need separate flood insurance near the lakes?

Yes—home policies exclude flood. We check FEMA maps for your address and can quote NFIP or private flood when risk warrants it.

How do I match coverage with my HOA/condo association?

Send the master policy/CC&Rs. We’ll align your HO‑3/HO‑6, add loss‑assessment if needed, and size deductibles to your tolerance.

Can I cover docks, boats, or jewelry?

Yes—options for dock structures, small watercraft liability, and scheduled valuables; consider an umbrella for higher limits.

Tell us a little about your property—we’ll compare 20+ carriers and send options fast.

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