Randy Hernandez

Randy Hernandez - Home & Auto Insurance Agency in Orlando, FL

3203 S Conway Rd Ste 106.  Orlando,  FL.  32812. 
4.9 (382 Reviews)

Home & Auto Insurance Agency in Orlando, FL

Randy Hernandez

Randy Hernandez

4.9/5 Stars (‎382 Reviews)
(407) 813-1833
Se Habla Español
3203 S Conway Rd, Ste 106 Orlando,FL. 32812
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GreatFlorida Insurance: Your trusted Florida Insurance Agency
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Homeowners Insurance

Home is where your life happens. GreatFloridaHomeowner''s Insurance in Orlando, FL has policies options from multiple Insurance Companies protect your home and family from unexpected losses so you can recover quickly and keep life moving.

Your local GreatFlorida agent will match your Orlando, FL homeowners coverage to local risks like hurricanes, theft, and fire. When the unexpected happens, fair compensation helps you maintain your lifestyle.

Get a Free Homeowners Insurance Quote in Orlando, FL

Frequently Asked Questions (FAQs)

What does homeowners insurance cover in Orlando?

A standard policy covers your dwelling, other structures, personal property, loss of use, and liability. In coastal parts of Orlando, FL, windstorm deductibles may apply. Flooding is excluded... consider adding a separate flood policy for full protection.

Is homeowners insurance mandatory in Orlando?

The state does not mandate it, but mortgage lenders typically require coverage. Even without a mortgage, carrying insurance in Orlando is wise due to hurricane and theft exposure.

How are homeowners insurance rates determined in Orlando?

Carriers consider location, construction type, roof age, prior claims, coverage limits, and deductibles. Wind mitigation features in Orlando...like shutters and roof tie-downs...can lower premiums.

Does a GreatFlorida homeowners policy include flood coverage?

No. Flood is separate. Your agent can quote NFIP or private flood so rising water, storm surge, and inland flooding are covered.

How can I lower my homeowners insurance premium with a GreatFlorida Agent?

Bundle home and auto, complete a wind mitigation inspection, raise deductibles within your comfort level, and maintain good credit. Ask your local Orlando agent about roof age credits and security system discounts as well as options from several different insurance carriers.

Auto Insurance

Get the wheels rolling on your auto insurance in Orlando.

Collisions, theft, and storm damage strain budgets. Protect yourself with affordable coverage that helps pay for repairs and medical costs. Consider adding uninsured motorist for extra protection.

Compare Auto Insurance Quotes in Orlando, FL

Frequently Asked Questions (FAQs)

What is the minimum auto insurance required in Orlando?

Florida requires $10,000 Personal Injury Protection and $10,000 Property Damage Liability. Consider Bodily Injury Liability and Uninsured Motorist to protect your assets in Orlando, FL.

Does GreatFlorida offer uninsured motorist coverage?

Yes. UM/UIM can cover injuries when the at-fault driver has little or no insurance. It is a smart add in busy Orlando, FL corridors.

Does my policy cover rental cars?

Often yes, but terms vary by carrier. Your local GreatFlorida Auto Insurance Agent can confirm rental reimbursement and liability extensions before your next trip.

How does a DUI affect rates in Orlando, FL?

A DUI significantly raises premiums and may require an FR-44 filing. Safer driving and time can gradually reduce the surcharge.

How does GreatFlorida Insurance handle auto claims?

Directly with your insurance carrier. File online or by phone and a claims adjuster will guide repairs, medical payments, and rental arrangements... with local support in Orlando, FL. Your local GreatFLorida Insurance Agent can help you with any questions you may have.

Condo Insurance

Protect your unit with GreatFlorida Condo Insurance.

Your association’s master policy covers the building shell and common areas. Your walls-in finishes, belongings, and liability are your responsibility in Orlando, FL.

Get a Condo Insurance Quote in Orlando, FL

Frequently Asked Questions (FAQs)

What does an HO-6 policy cover vs. the condo association policy?

HO-6 covers interior walls-in, improvements, personal property, loss of use, and liability. The master policy covers the structure and shared spaces. Review bylaws for exact responsibilities.

Is hurricane and windstorm damage included?

Yes, with a separate wind deductible. In exposed areas of Orlando, FL, your agent may recommend a dedicated wind policy for better terms.

Is condo insurance mandatory in Orlando?

State law does not require it, but lenders and associations often do. It also protects your investment and personal liability.

Does condo insurance include flood?

No. Flood requires a separate policy. See flood insurance options to cover storm surge and rising water.

How can I save on condo insurance with GreatFlorida?

Bundle with aucontentto, choose practical deductibles, add protective devices, and keep updated plumbing and electrical. Your local GreatFlorida Agent in Orlando, FL will find carrier discounts for you.

Commercial Auto Insurance

Keep your business moving with GreatFlorida Commercial Auto.

Business-use vehicles face higher liability risk. We tailor coverage for single vehicles and fleets for Orlando, FL businesses.

Get a Commercial Auto Insurance Quote in Orlando, FL

Frequently Asked Questions (FAQs)

What are Florida minimums for commercial vehicles?

Florida requires $10,000 PIP and $10,000 PDL for many vehicles... taxis and limos need higher limits. Most businesses in Orlando, FL choose higher liability limits to protect against lawsuits.

How is commercial auto different from personal auto?

Commercial policies cover business use, multiple drivers, symbols, and higher limits. Personal policies generally exclude business activities.

Can I add uninsured motorist coverage on a commercial policy?

Yes. UM/UIM can cover injuries and lost wages if an uninsured driver causes a crash involving your business vehicles.

Are rented and non-owned vehicles covered for work errands?

Add Hired and Non-Owned Auto to protect the business when employees drive personal or rental cars for work tasks in Orlando, FL.

What additional coverages should I consider?

Comprehensive, Collision, Medical Payments, higher Liability, and UM/UIM. Ask about roadside assistance and rental reimbursement for fleet continuity.

Commercial Property Insurance

Protect your business assets with GreatFlorida Commercial Property.

Florida businesses face wind and water perils. Coverage helps repair buildings, equipment, and inventory so you can reopen fast in Orlando, FL.

Get a Commercial Property Quote in Orlando, FL

Frequently Asked Questions (FAQs)

What does commercial property insurance cover in Florida?

Buildings, improvements, equipment, inventory, signage, and more against fire, theft, vandalism, and wind. Consider Business Interruption for lost income during repairs.

Is it required by law in Florida?

Not by the state, but lenders and leases often require proof. Given hurricane exposure in Orlando, FL, coverage is a practical must.

Is hurricane and windstorm damage included?

Typically yes, with wind deductibles. Coastal properties may need specialized forms. Your agent can tailor limits and deductibles to your address.

Does it include flood coverage?

No. Flood is separate through NFIP or private carriers. See commercial flood options.

How are rates calculated in Orlando?

Location, construction, roof age, square footage, and protections like shutters and sprinklers matter. Older buildings in Orlando, FL may cost more to insure.

General Liability Insurance

Protect your operation with GreatFlorida General Liability.

Cover slip and fall injuries, property damage to others, and advertising injury... essential for storefronts, contractors, and offices in Orlando, FL.

Get a General Liability Quote in Orlando, FL

Frequently Asked Questions (FAQs)

What does general liability cover for a Orlando, FL business?

Third-party bodily injury, property damage, and personal or advertising injury. It covers defense costs even when claims are unfounded.

Is general liability required in Florida?

Not universally, but many licenses, landlords, and clients require proof. It is a baseline protection for Orlando, FL businesses.

How much coverage do most businesses carry?

Common limits are $1M per occurrence and $2M aggregate. Higher-risk trades often add a commercial umbrella for extra protection.

Can you help meet Florida contractor requirements?

Yes. Your local GreatFlorida agent can provide required certificates and recommend practical limits based on your trade and contract sizes.

Are legal expenses covered if I am sued?

Yes... attorney fees, court costs, and settlements are typically included up to policy limits.

Business Owners Insurance

Bundle protection with a Business Owners Policy.

A BOP combines general liability and commercial property... a cost-effective foundation for small to mid-size firms in Orlando, FL.

Get a Business Owners Policy Quote in Orlando, FL

Frequently Asked Questions (FAQs)

What is a Business Owners Policy and what does it cover?

A BOP bundles liability and property... covering third-party claims, building or contents damage, and optional business income after a covered loss.

Who benefits most from a BOP in Orlando, FL?

Retail, restaurants, professional offices, and services with premises and contents. It simplifies protection and often lowers total cost.

Does a BOP include hurricane coverage?

Typically yes, with wind deductibles. Add endorsements like equipment breakdown or cyber based on your operations.

Does a BOP include flood coverage?

No. Pair your BOP with commercial flood for storm surge and inland flooding.

What are the advantages of a BOP for small business?

Bundled pricing, simplified management, and optional add-ons. Many Orlando, FL companies start with a BOP then add umbrella coverage as they grow.

Boat Insurance

Boat Insurance for smooth sailing in Orlando, FL.

Florida leads the nation in boating... and accidents. Customize coverage so you can relax on the water with confidence.

Get a Boat Insurance Quote in Orlando, FL

Frequently Asked Questions (FAQs)

Is boat insurance required in Florida?

Not by state law, but lenders and marinas often require it. Liability and physical damage are smart choices for busy Orlando, FL waterways.

What does GreatFlorida boat insurance cover?

Your hull, motor, trailer, and onboard gear... plus liability for injuries or property damage to others. Ask about towing and fishing equipment endorsements.

Are discounts available?

Yes... multi-policy, claim-free, and safety course credits may apply. Storage type and navigation area can also influence price in Orlando, FL.

Are races covered?

Racing is usually excluded. Your agent can review specialty policies if you plan to participate.

How do claims work with GreatFlorida?

Report online or by phone and adjusters will coordinate inspections and repairs... convenient for Orlando, FL marinas.

Motorcycle Insurance

Ride protected. Ride with GreatFlorida.

Enjoy the scenery and keep your motorcycle coverage dialed in for liability, collision, comprehensive, medical payments, and UM/UIM in Orlando, FL.

Get a Motorcycle Insurance Quote in Orlando, FL

Frequently Asked Questions (FAQs)

Is motorcycle insurance required in Florida?

Not always by law, but financial responsibility rules still apply after accidents. Coverage protects you and your bike in Orlando, FL traffic.

What does GreatFlorida motorcycle insurance cover?

Liability, collision, comprehensive, medical payments, and UM/UIM. Add custom parts and equipment to protect upgrades.

Do you insure different bike types?

Yes... cruisers, sport, touring, dual-sport, and more. Rates reflect engine size, usage, and rider history in Orlando, FL.

Are discounts available for riders?

Multi-policy, clean record, safety course, and anti-theft credits can lower premiums. Ask your agent to stack eligible savings.

How do I get a quote quickly?

Start online, then finalize with your local GreatFlorida agent for accurate limits, deductibles, and accessory coverage.

Renters Insurance

It is still your home, even when it is rented.

Your landlord insures the building... you insure what is inside. Protect belongings and liability with GreatFlorida Renters.

Get a Renters Insurance Quote in Orlando, FL

Frequently Asked Questions (FAQs)

Do I need renters insurance in Florida?

Some landlords require it in the lease. Even when optional, policies are inexpensive and valuable in Orlando, FL for theft, fire, and liability.

What does a renters policy cover with GreatFlorida?

Personal property at home and often while traveling, personal liability, and loss of use if a covered loss makes your unit unlivable.

Are roommates covered under my policy?

Typically no. Each roommate should carry their own policy for proper protection and to avoid claim disputes.

Does renters insurance cover flood damage?

No. Consider separate flood coverage for belongings stored at ground level or in storage units in Orlando, FL.

How much does renters insurance cost in Orlando, FL?

Pricing depends on location, limits, and deductibles. Many Floridians pay less than a streaming bundle monthly... bundling with auto can reduce it further.

RV Insurance

Adventure awaits with confidence.

Your RV is a rolling home. Protect it with GreatFlorida RV Insurance for motorhomes and towables in Orlando, FL.

Get an RV Insurance Quote in Orlando, FL

Frequently Asked Questions (FAQs)

Do full-time RVers need special coverage in Florida?

Yes... full-timer coverage adds personal liability, medical payments, and loss assessment similar to homeowners insurance.

What does RV insurance cover in Florida?

Liability plus physical damage from crashes, theft, storms, or vandalism... with optional personal effects and vacation liability.

Is RV insurance required in Florida?

Motorized RVs must carry at least $10,000 PIP and $10,000 PDL. Trailers are not required... still smart to insure.

Are hurricane or flood losses covered?

Comprehensive usually covers both... confirm storage requirements and deductibles with your agent before hurricane season in Orlando, FL.

How does GreatFlorida help with claims?

You get 24/7 support directly with your carier to streamline steps from tow to repair... helpful when traveling out of Orlando, FL.

Umbrella Insurance

The superhero of liability coverage.

Umbrella insurance adds extra liability limits above home, auto, and boat. It helps protect savings and future earnings in Orlando, FL.

Get an Umbrella Insurance Quote in Orlando, FL

Frequently Asked Questions (FAQs)

What is umbrella insurance and what does it cover?

Extra liability limits for large claims... often in $1M increments. It can extend over home, auto, and watercraft liability.

Who should consider an umbrella policy in Orlando, FL?

Homeowners, drivers, landlords, and anyone with assets or future income to protect. It is efficient, low-cost coverage per dollar of protection.

How much umbrella coverage do I need?

Many start at $1M... higher limits make sense if you have significant assets or high-risk exposures like teen drivers or a pool.

What does GreatFlorida umbrella typically extend over?

Home, auto, boat... sometimes rental properties. Certain business exposures need a commercial umbrella instead.

Does umbrella cover business activities?

Personal umbrellas usually exclude business... ask your agent about a commercial umbrella if you have business liability in Orlando, FL.

Flood Insurance

Flood insurance covers what homeowners does not.

It only takes inches of water to cause costly damage. Protect your Orlando, FL home with flood coverage for storm surge, inland flooding, and heavy rain events.

Get a Flood Insurance Quote in Orlando, FL

Frequently Asked Questions (FAQs)

Is flood insurance mandatory in Florida?

Required by lenders in high-risk zones. Even outside mapped zones, Orlando, FL homeowners buy flood for peace of mind and resale value.

Does homeowners insurance cover flooding?

No. Homeowners covers wind and rain damage... not rising water. Pair it with a flood policy for complete storm protection.

What does GreatFlorida flood insurance cover?

The building and contents from direct physical loss by flood... subject to limits and exclusions. Ask about replacement cost where available.

How do I check my flood risk in Orlando, FL?

Use FEMA Flood Map Service and local elevation data. Your agent can review lenders’ requirements and private market options for your address.

Are hurricane flood losses covered?

Yes, if the damage is from flooding. Wind damage remains under homeowners or wind policies. Many claims involve both... coordinate deductibles with your local agent.
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2020

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