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Homeowners Insurance


Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Homeowners Insurance Information

Birchell Insurance Agency- Professional, Experienced, Personal

CALL us now (800)978-8813 or locally (407)936-1572

Homeowners Insurance; Protecting One Of Your Most Valuable Assets

        

Click below for a quick free quote...





 If you own your home and occupy it, you need a home insurance policy and can start a quote online or on the phone. If you own your home and rent it to someone, you need a "dwelling fire" policy and will need to get a quote over the phone. You can call Birchell Insurance Agency at 1-800-978-8813 to receive an accurate quote for either kind of policy. 

 

Reminder Alert! Remember Homestead exemptions must be filed by March 1st!
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We are proud to quote homeowners insurance through the following companies...


  Luxury Home Owners:

High Value-Admitted and Non-Admitted - Builders Risk- Coastal Cobra Zone Primary Flood  - Excess Windstorm Coverage    
                                                                                                             (6/16/14)
 

   Florida Peninsula Insurance-  At Florida Peninsula, we understand there is more to insurance than the policy, and that people – our customers and agents -- matter most. That’s why Florida Peninsula is dedicated to understanding the needs of our diverse customer and agent base throughout the State. We are rated Demotech A xceptional) -- the highest rating conferred by Demotech. 



   Our service commitment means working with our customers and offering responsive and knowledgeable service beyond the sale. It means providing fast and fair claims handling. Ultimately, it means helping to ensure our customers’ peace of mind through personal attention and financial protection.  http://www.florida-peninsula.com/

 

    OLYMPUS INSURANCE CO. is the latest company to open its doors in the Florida homeowners market under a state program that gives loans to new or expanding companies.



   Olympus received a 20-year surplus note for $16.5 million from the state's Insurance Capital Build-Up Incentive Program. The company matched the loan by putting up $33.5 million in capital to reach total capitalization of $50 million, giving the company the ability to write an estimated 125,000 new homeowners policies in the Sunshine State, according to the Florida State Board of Administration. 

 

   Security First - Security First is a Homeowners' insurance company created in early 2005 for the purpose of handling policies formerly held by Florida's

Security First is a Homeowners' insurance company created in early 2005 for the purpose of handling policies. Security First has appointed agents throughout the State.As a Security First policy holder your original agent wil be your main contact for information and service.Security First policies will be handled by two established and well-respected companies. MacNeill Group will provide policy administration services, and Allied American will handle the adjustment of claims. We chose these companies based on their outstanding customer service and longevity in the insurance industry.Security First is owned and operated by Florida homeowners. We have deep roots in the Ormond Beach and greater Volusia/Flagler area. We are experienced insurance and business professionals who are here to make sure you're safe at home. http://www.sficins.com/




  St. John's Insurance Company: Quality Protection From A Company That Will Be There When You Need Them – We offer the important property and liability insurance you need to protect the significant investment you’ve made in your home. St. Johns is rated “A” Exceptional by Demotech for financial stability.    info@stjohnsinsurance.com



     Universal Property & Casualty -Universal Property & Casualty Insurance Company (UPCIC) is a wholly-owned subsidiary of Universal Insurance Holding Company, a Florida corporation. Universal Insurance Holding Company is wholly owned by Universal Insurance Holdings, Inc. 



UPCIC has aligned itself with some of the best and most respected service providers in the industry. This functional structure affords UPCIC the opportunity to take advantage of a unique combination of financial strength, underwriting skills, analytical expertise and administrative capability. Universal Property & Casualty Insurance Company has a distinguished and experienced group of individuals as its directors and officers. The individuals provide guidance and lend their expertise to ensure this insurance operation continues to be successful in the property and casualty insurance marketplace.



http://www.universalproperty.com/about.aspx



 Citizens: In 2002, the Florida Legislature passed a law that combined the Florida Residential Property and Casualty Joint Underwriting Association (FRPCJUA) and the Florida Windstorm Underwriting Association (FWUA). This resulted in the creation of Citizens Property insurance Corporation (Citizens), which more efficiently and effectively provides insurance to, and serves the needs of, homeowners in high-risk areas and others who cannot find coverage in the open, private insurance market.   

Payment Options

 

In many instances your homeowners policy can be rolled in with your mortgage, but if you need to pay separately we have several convenient payment options available.  

Financing- We understand the need for insurance. We also understand the financial burden of insurance premiums. We do offer the availability of  financing your insurance premiums through Premium Finance Services.

 

Homeowners Policy Coverages

A home insurance policy is designed to cover the structure of your home and includes protection for various kinds of personal property as well as liability coverage. Want to know more? Birchell Insurance Agency offers additional

Homeowners Insurance Information online or you can give us a call at

1-800-978-8813 to speak to an agent.

 

Discounts and Special Programs

Many discounts are available on home insurance policies, especially for certain safety features. For example, you may qualify for a discount if your home has deadbolt locks or a monitored alarm system.

  





Does my homeowners insurance cover flooding?
Standard homeowners and renters insurance does not cover flood damage. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program - NFIP (888-379-9531, http://www.floodsmart.gov ) and from a few private insurers.



The NFIP provides coverage for up to $250,000 for the structure of the home and $100,000 for personal possessions. The NFIP policy provides replacement cost coverage for the structure of your home, but only actual cash value coverage for your possessions. Replacement cost coverage pays to rebuild your home as it was before the damage. Actual cash value is replacement cost coverage minus depreciation so that the older your possessions are, the less you will get if they are damaged. There may also be limits on coverage for furniture and other belongings stored in your basement.



Flood insurance is available for renters as well as homeowners. You will need flood insurance if you live in a designated flood zone. But flooding can also occur in inland areas and away from major rivers. Consider buying a flood insurance policy if your house could be flooded by melting snow, an overflowing creek or pond or water running down a steep hill. Don’t wait for a flood season warning on the evening news to buy a policy—there is a 30-day waiting period before the coverage takes effect.



Excess flood insurance is also available from some private insurers for those who need additional insurance protection over and above the basic policy or whose community does not participate in the NFIP. Depending on the amount of coverage purchased, an excess flood insurance policy will cover damage above the limits of the federal program on the same basis as the federal program—replacement cost for the structure and actual cash value for the contents.



Excess flood insurance is available in all parts of the country—in high risk flood zones along the coast and close to major rivers as well as in areas of lower risk—wherever the federal program is available. It can be purchased from specialized companies through independent insurance agents, or from regular homeowners insurance companies that have arrangements with a specialized insurer to provide coverage to their policyholders.

 

We understand the need for insurance. We also understand the financial burden of insurance premiums. We do offer the availability of  financing your insurance premiums through Premium Finance Services.Call Birchell Insurance Agency at 800-978-8813 or http://www.birchellins.com .



































































Water Damage Fort Lauderdale, Leak Detection Fort Lauderdale Asap restoration & construction, inc. Is a disaster restoration team specializing in water removal/ structural drying, fire/ smoke and soot clean-up, and mold remediation / reconstruction.

Miami Party Rental | Tent, Tables, Chairs, Linens | Water Slides Party rentals service in miami florida. Providing a rich selection of tents, tables and chairs, linens, water slide, dunk tank, rock climbing wall, bungee trampoline, cotton candy, snow cone, popcorn, clown, petting zoo, ponies, magician, decorations

Tallahassee Kitchen Crafters Llc Complete kitchen and bathroom remodeling, renovation and construction. We offer hardwood cabinets, tile and wood flooring installation, custom shower enclosures and more. Free estimates.

Ceiling Tiles Store We sell decorative ceiling tiles, styrofoam ceiling tiles, faux tin ceiling tiles, contemporary ceiling tiles and backsplash. Polystyrene, plastic & metal ceilings. Ceiling tiles,faux tin,metal,plastic,decorative ceiling tile,modern,conteporary,ceilin

Mobile Phones Sgbest. Com is the leading online shopping mall that provides the most comprehensive handphone, tablet pc, mobile phone, accessories deals. 

Pegasus Faucets Store Buy pegasus faucets. Free shipping offers, save 20-50% off retail prices for pegasus faucets, thousands of kitchen & bathroom faucets, sinks, vanities and more in stock. Pegasus faucets, pegasus faucet, faucets, faucets, bathroom pegasus sinks

Lease Option Group And Owner Finance Group Website for buyers and sellers to post or view homes for lease option to purchase, rent to own, or owner financing. Offering no cost service to buyers as well as an amazing credit restoration service that we will refund in full once you buy!

Eastern Refinishing Inc. We provide state of the art bathtub refinishing, tile reglazing,countertop refinishing in the united states, canada and the bahamas.

Tallahassee Swing Sets And Playgrounds Tallahassee swing sets, playgrounds, design, installation and construction. Playground surfacing, pour in place playground surfacing, rubber mulch, florida playgrounds and more.

Roofingconsultantcompany.com
 Your roofing consultant company, top roofing consultant, and roof consultant in the usa! Get roof consulting services, proven roof management and roof design services from the leader in cooler roofs!

Mortgage Payment Center Mortgage payment center - lock-in your lower mortgage payment! Get started today at our website at www.mortgagepaymentcenter.comHome Security - Hidden Safes Wireless alarms and alarm systems, huge selection of hidden safes, child safety, security cameras, and more. Protect your family and property. Free home security tips.

Kitchen Outlet Direct factory outlet of kitchen supplies for professional use. If your are in the catering buisness, or looking for horeca equipment, then come and take a look at our prices. Brand products at discount prices, all available for immediate shipping.

Brick Contractor Houston Tx Houston brick layers does new brick installation, brick repairs and brick replacement. We can work from your architects plans or our team of designers can custom specify. Call houston brick layers for all your masonry needs anywhere in houston, tx

Yard Sprinkler Systems Houston

Houston sprinkler systems is the premier choice for when you are adding a new houston sprinkler system just repairing your old houston sprinkler system. Call us today for all of your sprinkler and irrigation needs. We work all over houston, texas

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

     


 

   Florida Peninsula Insurance-  At Florida Peninsula, we understand there is more to insurance than the policy, and that people – our customers and agents -- matter most. That’s why Florida Peninsula is dedicated to understanding the needs of our diverse customer and agent base throughout the State. We are rated Demotech A xceptional) -- the highest rating conferred by Demotech. 



   Our service commitment means working with our customers and offering responsive and knowledgeable service beyond the sale. It means providing fast and fair claims handling. Ultimately, it means helping to ensure our customers’ peace of mind through personal attention and financial protection.  http://www.florida-peninsula.com/

 

    OLYMPUS INSURANCE CO. is the latest company to open its doors in the Florida homeowners market under a state program that gives loans to new or expanding companies.



   Olympus received a 20-year surplus note for $16.5 million from the state's Insurance Capital Build-Up Incentive Program. The company matched the loan by putting up $33.5 million in capital to reach total capitalization of $50 million, giving the company the ability to write an estimated 125,000 new homeowners policies in the Sunshine State, according to the Florida State Board of Administration. 

 

   Security First - Security First is a Homeowners' insurance company created in early 2005 for the purpose of handling policies formerly held by Florida's

Security First is a Homeowners' insurance company created in early 2005 for the purpose of handling policies. Security First has appointed agents throughout the State.As a Security First policy holder your original agent wil be your main contact for information and service.Security First policies will be handled by two established and well-respected companies. MacNeill Group will provide policy administration services, and Allied American will handle the adjustment of claims. We chose these companies based on their outstanding customer service and longevity in the insurance industry.Security First is owned and operated by Florida homeowners. We have deep roots in the Ormond Beach and greater Volusia/Flagler area. We are experienced insurance and business professionals who are here to make sure you're safe at home. http://www.sficins.com/




  St. John's Insurance Company: Quality Protection From A Company That Will Be There When You Need Them – We offer the important property and liability insurance you need to protect the significant investment you’ve made in your home. St. Johns is rated “A” Exceptional by Demotech for financial stability.    info@stjohnsinsurance.com







     Universal Property & Casualty -Universal Property & Casualty Insurance Company (UPCIC) is a wholly-owned subsidiary of Universal Insurance Holding Company, a Florida corporation. Universal Insurance Holding Company is wholly owned by Universal Insurance Holdings, Inc. 



UPCIC has aligned itself with some of the best and most respected service providers in the industry. This functional structure affords UPCIC the opportunity to take advantage of a unique combination of financial strength, underwriting skills, analytical expertise and administrative capability. 
Universal Property & Casualty Insurance Company has a distinguished and experienced group of individuals as its directors and officers. The individuals provide guidance and lend their expertise to ensure this insurance operation continues to be successful in the property and casualty insurance marketplace.



http://www.universalproperty.com/about.aspx



 
Citizens: In 2002, the Florida Legislature passed a law that combined the Florida Residential Property and Casualty Joint Underwriting Association (FRPCJUA) and the Florida Windstorm Underwriting Association (FWUA). This resulted in the creation of Citizens Property insurance Corporation (Citizens), which more efficiently and effectively provides insurance to, and serves the needs of, homeowners in high-risk areas and others who cannot find coverage in the open, private insurance market.   

Payment Options

 

In many instances your homeowners policy can be rolled in with your mortgage, but if you need to pay separately we have several convenient payment options available.  

Financing- We understand the need for insurance. We also understand the financial burden of insurance premiums. We do offer the availability of  financing your insurance premiums through Premium Finance Services.

 

Homeowners Policy Coverages

A home insurance policy is designed to cover the structure of your home and includes protection for various kinds of personal property as well as liability coverage. Want to know more? Birchell Insurance Agency offers additional

Homeowners Insurance Information online or you can give us a call at

1-800-978-8813 to speak to an agent.

 

Discounts and Special Programs

Many discounts are available on home insurance policies, especially for certain safety features. For example, you may qualify for a discount if your home has deadbolt locks or a monitored alarm system.

  





Does my homeowners insurance cover flooding?
Standard homeowners and renters insurance does not cover flood damage. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program - NFIP (888-379-9531, http://www.floodsmart.gov ) and from a few private insurers.



The NFIP provides coverage for up to $250,000 for the structure of the home and $100,000 for personal possessions. The NFIP policy provides replacement cost coverage for the structure of your home, but only actual cash value coverage for your possessions. Replacement cost coverage pays to rebuild your home as it was before the damage. Actual cash value is replacement cost coverage minus depreciation so that the older your possessions are, the less you will get if they are damaged. There may also be limits on coverage for furniture and other belongings stored in your basement.



Flood insurance is available for renters as well as homeowners. You will need flood insurance if you live in a designated flood zone. But flooding can also occur in inland areas and away from major rivers. Consider buying a flood insurance policy if your house could be flooded by melting snow, an overflowing creek or pond or water running down a steep hill. Don’t wait for a flood season warning on the evening news to buy a policy—there is a 30-day waiting period before the coverage takes effect.



Excess flood insurance is also available from some private insurers for those who need additional insurance protection over and above the basic policy or whose community does not participate in the NFIP. Depending on the amount of coverage purchased, an excess flood insurance policy will cover damage above the limits of the federal program on the same basis as the federal program—replacement cost for the structure and actual cash value for the contents.



Excess flood insurance is available in all parts of the country—in high risk flood zones along the coast and close to major rivers as well as in areas of lower risk—wherever the federal program is available. It can be purchased from specialized companies through independent insurance agents, or from regular homeowners insurance companies that have arrangements with a specialized insurer to provide coverage to their policyholders.

 

We understand the need for insurance. We also understand the financial burden of insurance premiums. We do offer the availability of  financing your insurance premiums through Premium Finance Services.Call Birchell Insurance Agency at 800-978-8813 or http://www.birchellins.com .

   

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1100 Town Plaza Court, Suite 1010 | Winter Springs, FL 32708 | PH: 407.936.1572 | TF: 800.978.8813 | FX: 407.936.1573

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