Home Insurance in Ocala
Essential information about home insurance for Marion County homeowners
This information is for educational purposes only and does not constitute insurance advice. For specific coverage recommendations, consult with a licensed insurance agent in Florida.
Home insurance (also called homeowners insurance) is a type of property insurance that protects your home and personal belongings against covered damages and losses. It also provides liability protection if someone is injured on your property.
In Marion County, Florida, home insurance considerations include unique factors such as weather-related risks, property values, and state-specific insurance regulations.
Protects the physical structure of your home:
- House structure and foundation
- Attached structures (garage, deck)
- Built-in appliances
- Plumbing and electrical systems
Covers your belongings:
- Furniture and clothing
- Electronics and appliances
- Jewelry and collectibles
- Items temporarily away from home
Protects against lawsuits:
- Bodily injury on your property
- Property damage you cause
- Legal defense costs
- Medical payments to others
Weather-Related Risks
- Hurricane and windstorm coverage
- Hail damage protection
- Lightning strike coverage
- Tornado damage (less common but possible)
Flood Insurance
Standard home insurance typically does not cover flood damage. Separate flood insurance may be recommended, especially for properties near:
- Silver Springs and Rainbow River
- Withlacoochee River areas
- Other Marion County waterways
State Requirements
- Florida law requires certain disclosures
- Specific hurricane deductible rules
- Replacement cost vs. actual cash value options
- Citizens Property Insurance as insurer of last resort
Local Factors
- Proximity to coast affects rates
- Age and construction type of home
- Local building codes and safety features
- Crime rates in specific neighborhoods
Optional Coverages
- Scheduled personal property (jewelry, art)
- Home business coverage
- Additional living expenses
- Equipment breakdown coverage
- Identity theft protection
Discounts to Ask About
- Multi-policy discounts
- Security system discounts
- New home discounts
- Claim-free discounts
- Age 55+ discounts
These Marion County insurance professionals can help you understand your home insurance options:
WellBEEing Benefits Consulting
814 East Silver Springs Blvd, Suite H, Ocala
📞 (352) 237-2184
Bird Insurance Services, LLC
516 SE 17th Street, Ocala
📞 (352) 622-3899
CAMPUS USA Credit Union
Multiple Ocala Locations, Ocala
📞 (800) 367-6440
Collier, Jernigan, Eastman & Zublick, P.A.
550 NE 25th Avenue, Ocala
📞 (352) 732-5601
Combined Insurance Services, Inc.
814 East Silver Springs Blvd., Suite H, Ocala
📞 (352) 237-2181
Crippen & Co.
1900 Southeast 18th Avenue, Ocala
📞 (352) 732-4260
Duggan, Joiner, & Company
334 N.W. 3rd Avenue, Ocala
📞 (352) 732-0171
DeMeola Temple CPA Group
107 NE 1st Avenue, Ocala
📞 (352) 622-4220
Essex Mortgage
1417 N. Magnolia Ave., Ocala
📞 (888) 892-4070
Fero & Sons Insurance
8441 SW State Rd 200, Ocala
📞 (352) 351-3111
Florida Credit Union (FCU)
Ocala Branch Location, Ocala
📞 (800) 284-1144
Freedom Health, Inc.
Serving Marion County, Ocala
📞 (800) 401-2740
Grabe Financial
Florida Service Area, Ocala
📞 (352) 000-0000
Gulf Atlantic Bank
1626 SE 36th Avenue, Ocala
📞 (305) 394-5100
Holder Insurance Agency
1635 SW 1st Avenue, Ocala
📞 (352) 237-1141
King Risk Partners
725 NE 25th Avenue, Ocala
📞 (844) 546-4467
Landmark Mortgage Planners
415 SE 17th Place, Ocala
📞 (352) 304-5700
New York Life - Abdul-Kader Okab
1905 W Silver Springs Blvd, Ocala
📞 (352) 362-7612
Norris Tax Group
35 SE 1st Ave, Second Floor Suite J, Ocala
📞 (561) 598-0150
Preferred Insurance LLC
13758 E Hwy 25, Ocklawaha
📞 (844) 329-1444
Radiant Credit Union
3510 NE 14th Street, Ocala
📞 (352) 381-5200
Stress Less Mortgage
5444 SE Abshier Blvd, Belleview
📞 (352) 572-9060
Taxes Untangled Inc
2491 NW 44th Ave, Ocala
📞 (352) 547-8445
Terri S. Kane, CPA, LLC
2405 SE 17th Street Suite 402, Ocala
📞 (352) 629-3683
Waterfront Advisors
217 SE 1st Ave., Suite 200-116, Ocala
📞 (352) 820-6004
Zinnia Wealth Management
3220 SW 33rd Rd, Ocala
📞 (833) 368-3680
Brian Knight Insurance Agency
Heathbrook Commons-Publix Shopping Center, Ocala
📞 (352) 502-4568
Partner's Legacy
Ocala, Ocala
📞 (352) 277-7294
MIDFLORIDA Credit Union - East Ocala Branch
1520 E Silver Springs Blvd, Ocala
📞 (863) 688-3733
Northwestern Mutual - Austin Steele Carrola
7 E Silver Springs Blvd, Ste 430, Ocala
📞 (352) 207-7604
Reveille Wealth Management
2201 SE 30th Ave, Suite 201, Ocala
📞 (352) 671-5310
Scott Cameron Ins Agcy Inc - State Farm Agent
6333 SW S.R. 200, Ocala
📞 (352) 861-2266
Angie Lewis State Farm Insurance Agency
416 E Fort King Street, Ocala
📞 (352) 291-2444
Acentria Insurance
4634 Gulfstarr Drive, Destin
📞 (866) 374-5084
Affiliated Title of Central Florida Ltd
1500 NE 25th Avenue, Ocala
📞 (352) 555-0700
First American Title - Florida
Multiple Florida Locations, Ocala
📞 1-800-854-3643
First Federal Bank
Multiple North Florida Locations, Live Oak
📞 1-866-393-2265
1st Florida Mortgage
Tampa Headquarters, Tampa
📞 (855) 314-2220
Highland Mortgage Company
Multiple Locations, United States
📞 (352) 555-HMTG
Lake Michigan Credit Union
Multiple Branch Locations, Grand Rapids
📞 1-800-242-9790
Mainstreet Community Bank of Florida
Multiple Florida Locations, DeLand
📞 (352) 555-MAIN
Marsh McLennan Agency
Multiple US Locations, National Service
📞 1-800-MMA-RISK
Northpointe Bank
Grand Rapids Headquarters, Grand Rapids
📞 1-800-640-7265
Trinity Insurance of Ocala
3250 SW 34th Street, Ocala
📞 (352) 629-1011
Brian Knight Insurance Agency
Heathbrook Commons-Publix Shopping Center, Ocala
📞 (352) 502-4568
Home insurance is often part of a comprehensive insurance portfolio. Learn about related coverage types that can enhance your protection:
Umbrella Insurance Information
Learn about umbrella coverage that provides additional liability protection beyond your homeowners insurance limits.
Auto Insurance Information
Explore auto insurance requirements for Marion County drivers and multi-policy bundling opportunities.
Important: These pages provide general educational information only. For specific coverage recommendations, consult with licensed insurance agents in Florida.
1. Document Your Property
Create a detailed inventory of your belongings with photos and receipts. Store this information safely off-site or in cloud storage.
2. Review Coverage Annually
Review your policy limits yearly, especially after home improvements, major purchases, or changes in local property values.
3. Understand Your Deductibles
Know your standard deductible and any special deductibles for hurricanes or other perils common in Florida.
4. Maintain Your Home
Regular maintenance can prevent claims and may qualify you for discounts. Keep records of major maintenance and improvements.
5. Consider Flood Insurance
Even if you're not in a high-risk flood zone, consider flood insurance. There's typically a 30-day waiting period before coverage begins.
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Disclaimer: This information is provided for educational purposes only and should not be considered insurance advice. Insurance needs vary by individual situation, property, and location. Always consult with a licensed insurance agent in Florida for guidance specific to your needs and to understand current coverage options and requirements.