Auto, Home, Life, Health, Business and Commercial Insurance

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Frequently Asked Questions

What types of insurance coverage does Orlando Insurance Store offer?

Orlando Insurance Store is a multi carrier, and multi licensed agency versed in every service that you need, including: Auto, Home, Life, Health (including Dental and Vision), Business, Commercial, Medicare, and even Pet insurance.

Why should I choose Orlando Insurance Store for my insurance needs?

Orlando Insurance Store is the premier licensed insurance provider in Florida and we genuinely care about you. We have relationships with dozens of the most coveted and recognized insurance names in the nation. We do not have product bias, we ignore carrier commission bonuses for agent production, and we truly strive to place our clients in the most beneficial insurance products available today.

 

What is a deductible?

A deductible is the amount that you must pay out of pocket before any “real dollar” contributions from the insurance company are made towards your medical bills.

 

What is a network discount?

A network discount is a medical cost discount that you receive from your insurance company, regardless of your plan deductible. The items that affect the “network discount” are, Zip code, Doctors efficiency and cost criteria, and number of people the insurance company has in the network.

 

What is coinsurance?

Coinsurance is an agreement between the Healthcare Company and the Insured where there is a shared responsibility to pay a medical bill once the insured satisfies their deductible.

 

What is an out-of-pocket maximum?

An “out-of-pocket maximum” is set level at which you are no longer responsible for your coinsurance responsibility. It is the same as a cap on your total medical bill expenses.

 

What is a copay?

A copay is a benefit in an insurance plan that enriches the plan benefits and eliminates the need to satisfy a deductible in certain health related instances. A copay is not coinsurance.

 

How can Orlando Insurance Store save me time and money for Auto insurance?

We have access to multiple “A-rated” auto insurance carriers, knowledge of their customer satisfaction and claims statistics, and we take a personal approach to finding out exactly how much coverage fits your needs while matching your budget.

 

Does Orlando Insurance Store offer other Home insurance besides Home Owner’s coverage?

Yes. We offer Mobile Home Insurance Policies, Renters Insurance, Landlord’s Rental Dwelling Insurance, and Condominium Insurance (also known as an HO6 policy).

 

What types of Life insurance does Orlando Insurance Store offer?

We offer Term, Permanent, Whole, and Universal Life insurance policies.

 

What kind of Business or Commercial insurance should I purchase?

Your company, your industry, and your needs must be studied thoroughly first. At Orlando Insurance Store we pride ourselves on finding the most efficient and cost-effective policies, that contain all the coverage you need to properly defend yourself against any business-killing claim, including coverage like Professional Liability Insurance, Errors and Omissions Insurance, General Liability Insurance, Business Owner’s Policy (BOP), and Workers’ Compensation Insurance.

 

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