Affordable Property Insurance Quotes | Orbit Insurance Services

Comprehensive property protection

What types of Property Insurance can I get?

Whether you rent an apartment, own a house, or manage a commercial building, we offer specialized policies to protect your valuable assets.

Homeowners Insurance

Covers losses from damage to your home up to your selected limits, including repair or rebuilding costs due to fire, storms, and other covered events.

Explore coverage

Renters Insurance

Protects your belongings in a rented household and includes liability coverage for tenants, ensuring you don’t suffer unforeseen financial losses.

Explore coverage

Condo Insurance

Designed to protect condo units, covering personal belongings, liability, interior structures, appliances, and improvements made to the interior.

Explore coverage

Landlord Insurance

Includes building protection, liability insurance, and compensation for lost rental income, providing security for landowners renting their properties.

Explore coverage

Commercial Property

Covers the commercial property where your business operates, ensuring your operations can resume quickly after unforeseen damage.

Explore coverage

Mobile Home Insurance

Secures the structure, personal belongings, and potential liabilities of manufactured homes against windstorms, fire, and other risks.

Explore coverage

Flood & Earthquake

Standalone policies that cover water damage or seismic activity costs—perils that are strictly excluded from standard property insurance.

Explore coverage

Vacant Property

Since standard policies do not cover vacant homes, this insurance protects unoccupied properties against risks like vandalism, theft, or weather damage.

Explore coverage

Why Orbit

Why Orbit is the best choice for Property Insurance?

Competitive Rates

We shop across a wide network of handpicked carriers to secure you lower costs and higher satisfaction on your property premiums.

Industry Expertise

Our licensed agents understand property valuation, replacement costs, and local disaster risks to ensure you aren't underinsured when it matters most.

Any Credit Welcome

Good credit, bad credit, or no credit — we provide flexible options to help you secure the property protection mandated by your mortgage lender.

Online, Phone, or In-Person

Purchase your homeowners or renters policy however you prefer — instantly online, by speaking with an agent, or visiting a local office.

Talk to a property expert today

An Orbit agent is ready to help you find the right coverage for your home or business. Stop stressing over property risks and start living with peace of mind.

Speak with an Expert

Protecting your assets

What coverages can I get for my property?

Property insurance is modular. You can build a policy that fits your exact property type, location, and risk tolerance.

Dwelling Coverage

Protects your home's physical structure, covering repair or reconstruction costs up to your selected limit for covered events like fires or windstorms.

Personal Property Coverage

Protects your belongings, such as furniture, clothing, and electronics, from damage or theft, ensuring you are financially covered to replace them.

Liability Coverage

Offers protection if someone gets hurt on your property and decides to sue, covering their medical damages, injuries, and your legal defense expenses.

Loss of Use Coverage

If your home becomes unlivable due to a covered event, this helps pay for temporary additional living costs, such as hotel bills and food.

Additional Structures

Protects detached structures on your property, like garages, sheds, and fences, ensuring they are covered separately from your main dwelling limit.

Replacement Cost vs. ACV

Choose between Replacement Cost (reimburses new items at market price) or Actual Cash Value (pays depreciated value), depending on your budget.

The basics

What is Property Insurance?

Property insurance is a broad term for a series of policies that provide either property protection coverage or liability coverage for property owners. It protects against most risks, such as theft, natural disasters, vandalism, and fire. If you are a homeowner or business owner, this coverage is necessary to preserve financial stability during times of crisis.

In addition to covering the physical structure of your property, this insurance also includes coverage options for items inside, such as furniture and electronics; for businesses, this includes inventory and other commercial assets. The cost of property insurance can vary widely depending on individual circumstances, averaging about $1,915 annually for standard homeowners policies.

Why is Property Insurance Necessary?

Mortgage Requirements: Lenders almost always require insurance to ensure financial security in unexpected situations.
Asset Protection: It covers financial losses from theft, appliance breakdown, fire, and natural disasters, helping you repair damages.
Liability Shield: Helps cover legal fees and medical bills if someone gets injured on your property and files a claim against you.

Good to know

Frequently asked questions & Requirements

While property insurance isn't legally required by the state, it is mandatory if you have a mortgage. Homeowners with loans, business owners leasing commercial space, condo owners under HOA rules, and tenants required by their landlords all need active property insurance policies.

Premiums are influenced by the property's location, total value, age, construction materials, square footage, security features, your personal claims history, local crime rates, natural disaster risks, and the deductible amount you choose.

Yes! You can lower your premiums by bundling auto and home (Multi-Policy Discount), installing monitored security systems, remaining claims-free, living in a gated community, having a newer or recently renovated home, or raising your deductible.

Property insurance is typically not tax-deductible for personal residences. However, if you own business properties or rental/landlord properties, you may be able to deduct insurance premiums as a business expense. It's best to consult a tax advisor.

To generate an accurate quote, you will need to provide:

Property Details: Exact address, age, square footage, and construction type.
Roof Info: Roof age, material, and condition.
Security Info: Presence of alarm systems, deadbolts, or fire sprinklers.
Usage: Primary residence, secondary/vacation home, or rental property.
Coverage Needs: Desired dwelling limits and deductible preferences.

Real reviews, real people

Florida’s fastest-growing insurance agency

Thousands of 5-star Google reviews from drivers, homeowners, and business owners across the state — and counting.

Best quote I’ve had in days — the lowest rate, for real. Quick sign-up and the rep was super patient and kind.

Tihesha Wise Google Review
Amanda searched multiple companies to get me the best rate possible. Genuinely great customer service.

Terrance Wilson Google Review
Got my business insurance quick and easy at the right price. You won’t find a better deal.

Luis Gallegos Google Review
Veronica explained everything calmly and broke it all down so I understood. I appreciate the patience.

Gran Love Google Review
I strongly recommend this place. They gave me the best deal and worked with me the whole way through.

Samuel Uribe Google Review
Oscar gave me a very competitive quote on my vehicle and made the whole process easy. Highly recommend.

Angel ADB Google Review
Karina made everything fast and easy, and stayed super consistent with follow-ups. She deserves a raise.

Crisantos Anselmo Google Review
Jarvier found me the best rate possible in under an hour. So grateful — thanks for everything.

Phyllissia Google Review