Whether you're buying or renting in Orlando, you need the right homeowners insurance
At Lumera Insurance Group, we compare policies side by side so you can see what each one actually covers before you decide.
The most coverage isn't always the right coverage
We don't just sell policies. We help you find what actually fits your life. No pressure, no upsells for extras you don't need.
Homeowners insurance
From windstorm to theft, we find a policy that protects your actual home, not some generic version of it.
Auto coverage that fits
Whether you drive a sedan or work out of a truck, we compare rates to find the protection you need. Simple.
Small business protection
General liability, workers' comp, or a BOP. We help you understand your risks and find the right fit.
Flood and condo coverage
Flood isn't in a standard home policy. Condo needs differ from a house. We explain the difference clearly.
Landlord and umbrella policies
Own a rental property? Need extra liability protection across your assets? We have you covered.
Renters insurance
Your belongings matter. We find affordable renters coverage so your stuff is protected, wherever you lease.
150+ families in Florida have chosen Lumera
We help clients compare rates, understand their options, and close with confidence. Here is what a few of them had to say.
Lumera made the homeowners insurance process so simple. They found me a better rate than I was paying before, and walked me through every form. I actually understood my policy for the first time.
Maria Sanchez
Homeowner, Winter Park
As a real estate agent, I need insurance that closes on time. Lumera has never missed a deadline for me. They explain everything clearly, and my buyers always feel taken care of.
James Carter
Real Estate Agent, Orlando
I needed auto insurance after a move to Orlando. I called and they compared three carriers in minutes. Saved me almost $400 a year. Fast, no pressure, and bilingual.
Ana Lopez
New Resident, Orlando
I own a small construction company and finding affordable general liability insurance was tough. Lumera took the time to understand what I actually needed. Got me covered at a fair price.
Derek Williams
Small Business Owner, Kissimmee
What the data says about Florida homeowners
We look at the numbers and help you find coverage that actually fits your situation and your budget.
1 in 3
Florida homes in flood zones
Flood risk is high here in Orlando. Standard policies don't cover it — we can help.
24%
Auto rate increase in 2023
Rates are rising statewide. We shop multiple carriers to hold your premium steady.
100+
Insurance carriers compared
We quote across the market so you see real options, not just one price.
A written quote with options that actually make sense
No automated forms, no confusing fine print. We sit down, compare rates, and show you what each policy covers before you decide.
Start your quote today
Fill out the form below or give us a call. We'll compare rates and walk you through your options in English or Spanish.