Home insurance in Orlando

Protect your home with top-rated coverage that could save you money.

Save an average of $817/year when you bundle home + auto\*

Home Only
Home + Auto

Here’s how bundling works

You can finish your home quote online in just a few minutes. If you’d like to add auto for additional savings, a licensed agent can help with that afterward.

Start online, finish with an agent

You can finish your home quote online in just a few minutes. If you’d like to add auto for additional savings, a licensed agent can help with that afterward.

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Get affordable home insurance in 3 simple steps

Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.

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Property info

Customize your quote

Get covered

Tell us about your home.
Answer a few basic questions, and we’ll generate your home insurance quote in minutes.

Personalize your policy.
Customize your coverages, limits, and deductibles to get the protection you need at a price that fits your budget.

Get covered.
Review your quote and sign your application online. Any questions? Our licensed agents are here to help.

Protect your home from disasters big and small

The policies we offer can be customized to cover Orlando's top risks.

Hurricanes & tropical storms

Wind & hail damage

Tornadoes

Wildfires

Floods

Sinkholes

Theft

Vandalism

Water damage

What does homeowners insurance cover in Orlando?

Rest easy knowing your coverage protects what matters most.

Dwelling coverage
for the actual structure of your home, inside and out.

Other structures
for things like your detached garage or shed.

Personal property
for your personal belongings that make your house a home.

Loss of use
for additional living expenses when a covered loss forces you to temporarily relocate.

Personal liability
if you accidentally cause someone bodily injury or property damage.

Medical payments
if a guest is injured on your property.

We also offer additional coverage options for water backup, fungi & mold, animal liability, identity fraud, and more.

Discounts available in Orlando

Kin customers pay an average of $1,879 per year for $350,000 in dwelling coverage for home insurance in Florida, but you can save money by protecting your home, avoiding damage, and selecting sustainable options.

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Home security

• for installing security or fire alarms (available for nonmobile homes).

Wind mitigation

• the more wind-proof your home, the better.

Water detection

• because no one wants a flooded home.

Claims-free

• for keeping your home safe over the years.

Electronic policy

• for reducing your carbon footprint by saving some paper.

Why you'll love Kin

You get more than coverage — you get a team that follows through.

Here to help

We reach out before, during, and after major weather events to make sure you’re okay — and to assist if you need to file a claim.

24/7 claims support

Easily file a claim over the phone with a member of our support team or online in your Customer Portal.

5-star care

Licensed Kin agents are easy to reach and ready to listen. Contact us via email, phone, or live chat.

We've got Florida covered.

We help Floridians find coverage across the entire Sunshine State!

We sell policies in every county in Florida, including in these major cities:

• Cape Coral
• Fort Lauderdale
• Fort Myers
• Hialeah
• Jacksonville
• Miami
• Pembroke Pines
• Pensacola
• Port St. Lucie
• Sarasota
• St. Petersburg
• Tallahassee
• Tampa

Common questions about Orlando home insurance

What's the average cost of home insurance in Orlando?

On average, Kin customers pay $1,879 per year for $350,000 in dwelling coverage for home insurance in Florida. How much you’ll pay for coverage will depend on several factors like your home’s age, composition, size, and ZIP code.

What factors affect home insurance premiums in Orlando?

Several factors will affect the cost of home insurance in Orlando, including:

• Replacement cost. The more expensive it would be to rebuild your home if it were destroyed, the more you’ll pay for coverage.

• Home’s age. You may pay more for coverage if you live in an older home that does not meet today's building codes. For instance, older homes in neighborhoods like Colonialtown, College Park, or Delaney Park may have outdated plumbing, roofing, or wiring, making them more susceptible to risk and claims

• Location. Where your home is located, down to the ZIP code, can affect your rates. Homes in high-crime neighborhoods or those that are far from fire hydrants or stations may be most costly to insure.

• Natural disaster risks. Despite being inland, Orlando is still vulnerable to tropical storms and hurricanes.

• Claims history. A history of frequent claims can lead to higher rates, while a claim-free history can often help you save on coverage.

• Your credit history. Florida home insurers can use your credit-based insurance score to determine your rate.

How much home insurance do I need in Orlando?

Your exact coverage needs will depend on your property, location, and risk tolerance. However, keep these tips in mind when purchasing a home insurance policy in Orlando:

• Dwelling coverage equal to 100% of your home replacement cost value, so you could rebuild your home after a total loss.

• Other structures coverage equal to at least 10% of your dwelling limit to help pay to repair or replace detached structures on your property, like garages or sheds.

• Personal property coverage to replace your belongings after a loss. Limits are usually set to at least 50% of your dwelling limit, but you should conduct a home inventory to assess your needs.

• Personal liability coverage with a limit high enough to protect your finances and assets in case of accidental injury or property damage to others that may result in a lawsuit.

• Loss of use coverage to pay for temporary housing and other essentials, like meals and laundry, if your home is uninhabitable after a covered claim. Policies often include coverage equal to 20% of your dwelling limit.

• Medical payment coverageto pay for minor medical expenses if a guest is injured on your property, regardless of who is at fault. Limits often range from $1,000 to $5,000.

• A separate flood insurance policythat covers the cost to rebuild or replace your dwelling and personal property after a flood, which standard home insurance typically excludes

What does home insurance not cover in Orlando?

A standard home insurance policy in Orlando typically does not cover:

• Flood damage
• Sinkhole damage
• Sewer backup
• Sump pump failure
• Mold damage
• Animal, pest, and termite damage
• Normal wear and tear
• Earthquakes and ground movement

What additional coverages should Orlando homeowners consider?

Given the risks associated with properties in Orlando, homeowners should consider the following coverages:

• **Water backup coverage.**Pays for water damage from backed-up drains or sump pump overflows, which standard policies exclude.

• Sinkhole insurance. Central Florida has karst terrain and a history of sinkholes, making sinkhole coverage a wise decision, as damage is otherwise usually excluded

• Ordinance or law coverage. Older homes that do not meet current building codes will need to be upgraded to modern codes during repair or rebuilding, and homeowners will have to pay the extra cost without this coverage

• **Extended replacement cost coverage.**Can cover fluctuations in building costs that often happen due to labor shortages, hurricanes, and inflation, and may exceed your dwelling coverage limits

Is home insurance required in Orlando?

Home insurance is not required in Orlando, but if you have a mortgage on your home, your lender will most likely require you to have it. You may also need flood insurance if your lender requires.

Even if you don't need home insurance, it's a wise investment. After a covered loss, such as a fire or storm, home insurance can help cover the cost to rebuild, repair, or replace your property.