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WHAT IS PROPERTY INSURANCE?

A property insurance policy covers any damage to your property caused by unexpected circumstances. It protects against most risks, such as theft, natural disasters, vandalism, and fire. It also offers coverage for injuries that occur on your property. If you are a property owner, this coverage is necessary to preserve financial stability in crises.

Why Do I Need Insurance for My Property?

Personal property insurance covers financial losses from theft, burglary, appliance breakdown, fire, and natural disasters, helping you rebuild and fix damages.

Mortgage lenders often require insurance to ensure financial security in unexpected situations, making it highly recommended for mortgage seekers.

Liability insurance covers legal defense and costs if someone gets injured on your property and files a claim, protecting you from significant expenses.

Insurance helps cover major financial losses from natural disasters and accidents, protecting your business and ensuring continuity during disruptions.

Knowing that your property is safe and protected against unforeseen events provides peace of mind, allowing you to focus on other priorities.

WHAT TYPES OF PROPERTY INSURANCE CAN I INSURE WITH ORBIT?

Homeowners

Our affordable home insurance solutions cover financial losses from damage to your home up to your selected limits.

Renters

Renters insurance protects your belongings in a rented household and includes liability coverage for tenants.

Condo

Condo insurance is designed to protect condo units, covering personal belongings, liability, and interior structures.

Commercial Property

It protects the commercial property where your business operates, with brokers finding suitable coverage for your needs.

Landlord

In some situations, Landlord insurance includes building protection, liability insurance, and compensation for lost rental income.

Flood

Flood insurance covers water damage costs, including rebuilding and personal belongings, in natural flooding.

Earthquake

Earthquake insurance helps pay for reconstruction and repair if an earthquake damages your property.

Mobile Home

Mobile Home coverage secures the structure, personal belongings, and liability if an accident occurs on your property.

WHAT COVERAGES CAN I GET FOR MY PROPERTY?

Dwelling Coverage

Safeguard your home's physical structure with repair or reconstruction costs covered up to your selected dwelling coverage limit for covered events.

Personal Property Coverage

Our personal property coverage protects your belongings, such as furniture and electronics, from damage or theft during a covered event.

Liability Protection

Liability coverage offers protection if someone gets hurt on your property and decides to sue, covering their damages, injuries, and legal expenses.

Loss of Use (Additional Living Expenses)

If your home becomes unlivable due to a covered event, ALE helps pay for temporary living costs such as hotels.

Medical Payments to Others

This coverage helps pay for medical expenses if someone is injured on your property, regardless of fault.

Other Structures Coverage

Protect detached structures like garages, sheds, and fences with coverage for other structures, ensuring they are covered separately from your home.

Scheduled Personal Property Endorsement

Extend coverage for high-value items like artwork or jewelry, ensuring their financial value is protected in a covered event.

Water Backup Coverage

Water backup coverage protects your property from water damage caused by sewers or drains, preventing financial burdens.

WHY IS ORBIT THE BEST CHOICE FOR PROPERTY INSURANCE?

Excellent Customer Service

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Multiple Convenient Locations Near You

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Affordable Premiums

HOW MUCH DOES PROPERTY INSURANCE COST?

In 2021, the national annual average cost of property insurance was $1,312, which rose to $1,820 in 2023. However, the rates vary considerably based on different factors. For example, you may need more coverage if you live in an area with a high crime rate (e.g., theft, robbery). Apart from the address, factors that determine your premium include:

Building material

Safety features

Zip code

Claims history

Risk factors

WHAT ARE THE REQUIREMENTS FOR PROPERTY INSURANCE?

Proof of Insurance

Mortgage agents, leasing agents, or business contracts often require proof of insurance when purchasing property.

Minimum Coverage

Minimum coverage includes liability protection, personal property protection, structural damage protection, and more.

Additional Coverage Options

Consider additional coverage like Earthquake Insurance, Flood Insurance, or Business Interruption Insurance for extra protection.

Deductibles

You must pay a deductible for coverage to kick in. A higher deductible can lower your monthly premiums and vice versa.

Policy Exclusions

Understand what events your policy does not cover, like floods, earthquakes, and wear and tear, to ensure you're adequately protected.

Payment of Premiums

Paying your premiums on time is crucial to maintain your insurance and avoid any lapses in coverage.

Risk Assessment and Property Valuation

Insurance providers may assess your property's risk to ensure coverage limits are sufficient for potential damage costs.

HOW IT WORKS

EXPLORE

Visit our website and explore our many property insurance options to learn how to choose the right coverage.

Connect

Once you have narrowed your options, connect with the ORBIT team, who will help you with your concerns and queries.

Compare

Compare the rates by receiving quotes from different providers and choose the one that fits your budget.

Get A Free Property Insurance Quote

Your property is a valued investment and deserves unwavering protection against unexpected events such as flooding, storms, earthquakes, etc. The first step to doing that is purchasing the right property insurance. At ORBIT, we proudly stand with you as your trusted partner, helping you quickly find the cheapest plans. You can grab your first free quote on our website NOW!

Homeowners

Renters

Condo

Landlord

Flood

Earthquake

Mobile Home

Commercial Property

FREQUENTLY ASKED QUESTIONS REGARDING PROPERTY INSURANCE

Ans) To find the best coverage for your property, you must first assess it from every angle. Consider its value, the risks it exposes, and the worth of your belongings. Luckily, our insurance agents work closely with clients to find suitable coverage options with affordable premiums.

Ans) ORBIT connects you with various discounts, such as multi-policy discounts, high credit score discounts, loyalty discounts, safety features discounts, etc.

Ans) Most insurance companies offer the option to bundle your home and auto insurance policies for a bundling discount.

Ans) It depends on the policy and endorsements you have selected. Standard property insurance covers many dangers; however, it may offer limited to no coverage for some natural disasters. Discuss these terms and conditions with ORBIT insurance agents for a better idea.

Ans) Absolutely; many insurance companies offer ALE (Additional Living Expenses) in their home insurance plan as long as the policy covers the event. However, you must discuss the terms, conditions, coverage limits, and additional details with your insurer.

Founded in 2022, Orbit Insurance Services is a licensed agency proudly serving Florida residents with reliable insurance coverage.