Winter Springs has 38,951 residents in 14,893 households. We list 53 insurance agencies in Winter Springs. Here is what the local numbers say about the cover people here need.

Winter Springs at a glance

53insurance agencies listed
23.9%of households rentRenters insurance
$378,700median home valueHome insurance
1989median year homes were builtRebuild cost calculator
2.6%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Seminole County

FEMA rates the overall natural hazard risk in Seminole County, where most Winter Springs agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance
HurricaneRelatively High
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Florida

Florida requires drivers to carry at least $10,000 of property damage liability. It also requires personal injury protection ($10,000). Florida is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance How much liability cover do you need?

Source: leg.state.fl.us. Checked 2026-10-24.

Questions

Insurance agencies in Winter Springs

How do I find an insurance agency in Winter Springs?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in Winter Springs?

FEMA's National Risk Index rates inland flooding risk in Seminole County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Winter Springs?

23.9% of households in Winter Springs rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Agencies near Winter Springs

For insurance agencies

Is your Winter Springs agency listed?

Claim your free listing to keep your details right, then add your logo, website and social profiles.

Claim your listing