Homeowners Insurance in Orange City, FL

As one of the oldest independent insurance agents serving Orange City, FL, Lane Insurance has provided distinguished service to clients since 1907. We are known for offering a full range of custom-tailored insurance solutions with affordable premiums, including homeowners' insurance, flood insurance, personal liability insurance, and renters insurance. We serve clients in greater Volusia County, including DeBary, DeLand, Deltona, Edgewater, Lake Helen, New Smyrna Beach, and Orange City, FL.

Home Insurance You Can Afford

With Central Florida's unpredictable subtropical climate, obtaining homeowners insurance can be challenging and costly, even if you have never filed a claim. However, home insurance in Orange City, FL, is a must-have. If you have a mortgage, your lender will require proof of home insurance. Without it, your lender will obtain a policy that protects their interest at a significantly higher premium that will be added to your monthly mortgage payment. We're different than other insurance agencies. We use a personalized approach that matches the coverage our clients need at a price they can afford.

Why Renters Need Insurance Too

Many renters mistakenly believe that the landlord's homeowners' insurance policy will cover the renter for any damages or losses to the property. However, that is not the case. While a home insurance policy for landlords protects their interest in the property, it provides no personal property or liability protection to the renter. The renter is solely responsible for any property damage and personal liability claims that occur while residing at the property. That's why if you are a renter, you need insurance too.

A renters insurance policy provides these valuable benefits:

• First, it covers theft or damage to personal property anywhere, whether inside your rental property or vehicle.
• Provides liability protection against lawsuits when a visitor is injured or falls on your rented property.
• Choose your coverage limits and deductibles.
• Optional riders are available for jewelry, art, and other valuable assets.
• Very affordable.

Do You Need Personal Liability Insurance?

Personal liability insurance protects individuals against claims or lawsuits due to negligence. It also covers you against claims resulting from employee negligence on company premises or while operating company vehicles, subject to policy limits, deductibles, and exclusions. Lane Insurance offers affordable, comprehensive personal liability coverage packages that are personalized for you or your business.

Where to Buy Flood Insurance?

Your home insurance policy doesn’t cover property damage due to floods. Flood insurance is underwritten by the National Flood Insurance Program (NFIP), so you can only buy flood insurance from selected companies in the NFIP network, like those that The Lane Group represents.

Contact us at (386) 734-0800 for a free homeowner insurance quote for your Orange City, FL, home today!