Your local Central Florida agency
Our office is in Heathrow, right next to Lake Mary and a short drive from downtown Orlando. Orlando is home for our team, so we know the area’s neighborhoods, its mix of newer and older homes, and the questions local families ask most.
As an independent agency, we aren’t tied to one insurance company. We compare multiple carriers for each client, which matters in Florida, where one company may decline a home that another is happy to insure.
What insurance risks do Orlando homeowners face?
Inland flooding is real. When Hurricane Ian crossed Central Florida in September 2022, it brought record rainfall. Orlando International Airport recorded more than a foot of rain in 24 hours, and September 2022 became the wettest on record in Orlando and Sanford. Historic flooding followed along the St. Johns River, the Little Wekiva River near Altamonte Springs and Shingle Creek in Osceola County.
Homeowners insurance doesn’t cover flood, so many Orlando area families add a separate flood insurance policy, even outside high risk flood zones.
Wind still matters inland. Orlando avoids storm surge, but hurricanes bring damaging wind, so your roof, your hurricane deductible and a wind mitigation inspection all affect what you pay.
Many homes are older. Established neighborhoods in Orlando, Winter Park and Sanford include plenty of older homes, which insurers look at closely. Our guide to insuring an older Florida home explains what to expect.
Coverage we offer in the Orlando area
- Homeowners insurance, including secondary homes and rentals
- Auto insurance
- Flood insurance
- Umbrella insurance
- Renters insurance
- Business insurance for Central Florida companies
Areas we serve near Orlando
We work with clients across Orange, Seminole, Osceola and Lake counties, including Orlando, Lake Mary, Heathrow, Sanford, Altamonte Springs, Winter Park, Oviedo and Kissimmee.
Common questions
Do I need flood insurance in Orlando if I'm far from the coast?
It's worth serious consideration. In 2022, Hurricane Ian brought record rainfall and flooding to Central Florida, including along the St. Johns River and the Little Wekiva River near Altamonte Springs, far from any beach. Standard homeowners policies don't cover flood, and most new flood policies take 30 days to start, so it's best to buy before hurricane season.
Where is Marshall Insurance Group's office?
Our office is at 195 International Parkway, Suite 100, in Heathrow, near Lake Mary in Seminole County, just north of Orlando. From there, our agents serve individuals, families and businesses across the Orlando area and the rest of Florida, and you can request a quote online or by phone.
Can you insure homes outside the Orlando area?
Yes. Orlando is our home base, but Marshall Insurance Group serves individuals, families and businesses in every part of Florida, including Tampa Bay, Jacksonville, Miami and Fort Lauderdale. As an independent agency, we compare multiple carriers for each home, wherever it is in the state.
Are hurricanes a risk in Orlando?
Yes. Being inland lowers storm surge risk, but hurricanes like Ian still bring damaging wind and heavy rain to Central Florida. Orlando homeowners should check three things: wind coverage on the homeowners policy, the hurricane deductible, which insurers must generally offer at $500, 2%, 5% or 10% of dwelling coverage, and a separate flood policy.