Orlando has 319,758 residents in 131,179 households. We list 18 agencies for life insurance in Orlando. Here is what the local numbers say about the cover people here need.

Orlando at a glance

18life insurance agencies listed
60.5%of households rentRenters insurance
$394,100median home valueHome insurance
1992median year homes were builtRebuild cost calculator
7.4%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 Orange County

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

Strong windVery 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
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance
TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance
Inland floodingRelatively High
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.
Flood insurance
HailRelatively High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
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.

Insurance companies Orlando agencies work with

Of the 18 Orlando agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

COLUMBUS LIFE INSURANCE COMPANY4 agencies
Annuity carrier3 agencies
Corebridge (AIG Life)2 agencies
LAFAYETTE LIFE INSURANCE COMPANY2 agencies
4 EVER LIFE INSURANCE COMPANY1 agency
LIBERTY NATIONAL LIFE INSURANCE COMPANY1 agency
MERIT LIFE INSURANCE CO.1 agency
MINNESOTA LIFE INSURANCE COMPANY1 agency
Nationwide1 agency
SECURITY BENEFIT LIFE INSURANCE COMPANY1 agency

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Orlando agencies are

Orlando agencies we list sit in 11 ZIP codes, mostly in Orange County.

328015 agencies
328112 agencies
328242 agencies
328372 agencies
328091 agency
328141 agency
328191 agency
328281 agency
328321 agency
328361 agency
328391 agency

Questions

Life insurance in Orlando

All insurance agencies in Orlando · Life insurance across Florida

Where can I find life insurance in Orlando?

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.

What does life insurance cover?

Pays a lump sum to the people who depend on your income.

Which insurance companies do Orlando agencies work with?

Among the 18 Orlando agencies whose appointments we hold, the companies they are most often appointed with are COLUMBUS LIFE INSURANCE COMPANY (4), Annuity carrier (3), Corebridge (AIG Life) (2), LAFAYETTE LIFE INSURANCE COMPANY (2), 4 EVER LIFE INSURANCE COMPANY (1). An appointed agency can quote that company's policies.

Do I need flood insurance in Orlando?

FEMA's National Risk Index rates inland flooding risk in Orange County as Relatively High 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.

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

Life insurance near Orlando

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