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Insurance Warehouses of America

6200 Metrowest Boulevard , Suite 204
Orlando, FL 32835

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Why Homeowners Need Home Insurance

Owning a home is a big responsibility, and a lot comes with this ownership. One of those things is getting home insurance and carrying the policy the entire time that you own your home. It’s important to have this protection, as it protects you in a number of ways. If you need home insurance in Orlando, FL, call us today at Insurance Warehouses of America. 

Why Homeowners Need Home Insurance

Protecting Your House

Your house is in need of protection against a number of damaging calamities, accidents, and disasters. Home insurance provides this protection. It is vital to have this insurance because it can pay for the repairs you will need after something serious damages your house. The protection afforded by home insurance keeps you protected from having to spend your own money to make major repairs to your home. For many people, such an expense would simply be unaffordable. 

Coverage for Your Possessions

The belongings that are inside your house would require a lot of money to replace, and that’s another reason that home insurance is so important. It covers all of those belongings so that the policy can pay to replace them if needed. When there is a serious accident or another occurrence, having this coverage assures you that you won’t have to replace all of your possessions by yourself. 

Liability Protection

Another form of protection afforded by this coverage is liability protection. It protects you financially if someone had an accident in your home and had injuries and medical bills from it. It would pay for those medical bills for you so that you wouldn’t have to struggle financially to do so. 

Get Your Home Covered

If you don’t have a home insurance policy yet for your house, don’t wait any longer. Call us at Insurance Warehouses of America in Orlando, FL.


Auto Insurance Policy Guide

Insurance Warehouses of America assists the Orlando, FL community. We strive to ensure that our clients are protected in every situation that life brings their way. For over 15 years, we have helped our clients find the policies they need to protect their assets. We have relationships with multiple carriers throughout the state.

Auto Insurance Policy Guide

Auto insurance adds a layer of protection as you travel around completing daily tasks. Your vehicle is covered if you are involved in an accident. Collision coverage will help you take care of the damages. If you are ruled to be responsible for the damages, liability coverage will protect you. Liability coverage also protects you if you accidentally injure someone with your vehicle. Comprehensive coverage protects you in unique ways. You are covered if your vehicle is stolen. Perhaps you are driving on the freeway, and you make an impact with a deer passing through. If your windshield or mirror is damaged, comprehensive coverage will protect you. Orlando, FL is known for its severe weather at times. Comprehensive coverage protects you if your vehicle suffers damage from a local hurricane.

If you plan to modify your vehicle, you can add modified coverage. This type of coverage fully protects any upgrades that you’ve made to your car if you are involved in an accident, or your car gets stolen. Emergency roadside coverage is a safety net if you enjoy taking road trips. Things can become very uncomfortable if you’re 2 hours away from home, your battery dies, or your engine has trouble. Emergency roadside coverage ensures that you will receive immediate service for your issue to get back on the road as soon as possible.

Insurance Warehouses Of America Will Help You Protect Your Assets

Contact us today to learn more information about auto insurance.

Life insurance FAQs

Life insurance is something that makes most people have questions. It isn’t something that is talked about a lot and it certainly isn’t something learned in school.  Listening to commercials only makes it more confusing. Having an insurance agent you trust can help you to get the answers you need. In Orlando, FL, Insurance Warehouses of America is your independent insurance agent. That means they work for you and making sure you get the right products is their priority. 

What is the difference between whole life and term life?

With whole life insurance, you buy the policy for your whole life. The premium doesn’t change and you earn dividends. You can borrow from the policy if the need arises. Term life lasts for a specific number of years. In the end, the policy is gone or it may be continued at a new rate. 

Do I need to buy my own life insurance if I get it from my employer?

Yes, you do. What if your employment ends or you get sick? What then. If you own your own policy, you control the insurance. A work policy is a great benefit, but it is just additional insurance. You should have your own policy for what you will really need to have to protect your dependents. 

How much life insurance is needed? 

Life insurance should allow those you leave behind to maintain the lifestyle they have grown accustomed to. The amount necessary for that is what you should discuss with your independent insurance agent. Your income, age, and number of your dependents all figure into the amount of life insurance you need to have. You also need to be able to afford the policy. Your agent can offer you options to get where you need to be. 

Contact Insurance Warehouses of America in Orlando, FL when you need information or have questions about life insurance. 

Home Insurance Terms You Should Be Familiar With

Unlike auto insurance, home insurance is not a form of insurance coverage that is generally required. However, this does not mean that you shouldn’t carry this type of coverage, as it can protect you financially when a catastrophic event occurs. When you are unfamiliar with home insurance, it can be helpful to familiarize yourself with some common home insurance terms. Insurance Warehouses of America wants to share some of these home insurance terms with Orlando, FL residents.


A peril is considered a covered and unfortunate event that may result in the need to file a claim with your insurer. There are a number of perils that are covered under a typical home insurance policy. Some of these covered perils may include fires, vandalism, wind damage, and theft.


An exclusion is considered an event that is not covered by your home insurance policy. For example, it is common for policies to exclude damage caused by floods, mudslides, and earthquakes. In order to be covered by these perils, a separate policy must be purchased.


A deductible is a specific amount of money that must be paid before the home insurance company will pay your claim. The higher the deductible, the lower your monthly premium, on average. You can pay more monthly to have a low deductible so that you have less out of pocket in the event you must file an insurance claim.

Replacement Value

Replacement value is how much it costs to replace your property in its current condition if a total loss were to occur. Although market value will rise and fall from one year to the next, replacement value usually doesn’t. Therefore, it is safer and wiser to insure your property this way. A contractor can provide you with an estimate of how much it would cost to rebuild your home from nothing.

The terms of a home insurance policy can be tricky, so when you need help understanding your policy or are ready to purchase home insurance for your property, contact Insurance Warehouses of America. Serving Orlando, FL, this insurance firm can help you create a home insurance policy that fits your individual needs.

Partner Carriers

  • Bristol West
  • Foremost
  • Infinity
  • Kemper
  • Progressive
  • American Traditions
  • Bankers
  • Capitol Preferred
  • Federated National
  • Florida Family
  • Florida Peninsula
  • Heritage
  • Security First
  • Southern Fidelity
  • Southern Oak
  • St Johns
  • St. James
  • Universal Property & Casualty