Insurance 101

Choices For Your Needs

Whether you own a car, home, or business, everyone needs insurance.

At Harry Levine Insurance, our goal is to educate each of our clients on their policies and coverage needs so that you not only understand how you’re protected, you feel protected as well.

We take pride in getting to know the concerns of each of our clients and provide advice on the risks they may not even be aware of. It takes time, but this is the best way to ensure that you get the highest level of coverage available.

Above all, we believe in providing fast, thorough, affordable, and ethical service throughout the state of Florida. But this isn’t just a mission statement; it’s how we do business. Over the last 40 years, we have built a reputation for honesty and integrity that allows for our continued success.

Here on our website, you’ll find a plethora of resources relating to insurance. Read an article on our blog, read our FAQs, or learn more about the specific types of coverage we offer to meet your insurance needs.

Harry Levine Insurance Blog
Auto Insurance
Disability Insurance
Life Insurance
Pet Insurance
Business Insurance
Renter’s Insurance
Investment Property Insurance
Condo Insurance
Wind Insurance
Flood Insurance
Home Insurance
RV Insurance
Motorcycle Insurance
Boat Insurance
Fleet Insurance

Questions About Insurance? We Can Help!

Click on any of the questions below to have your insurance questions answered.

Why should I use an independent insurance agent?
Why do you need to know so much information to get me a policy?
Where can I find the cheapest insurance policy?
Do you offer business insurance?
How do I file a claim?
What policies/coverage do I have?
What’s the difference between “Actual Cash Value” and “Replacement Value”?
How can I get my Certificate of Insurance?
How much coverage do I need?
What is an umbrella policy?

Why should I use an independent insurance agent?

Unlike captive insurance agents, who can only sell policies from one specific company, independent insurance agents can connect you with policies from multiple companies. This means you have the flexibility to choose your coverage and your budget.

And the best part, independent insurance agents work at no charge to you!

Why do you need to know so much information to get me a policy?

Unfortunately, it’s not up to us. Insurance carriers (companies like Nationwide, State Farm, or Allstate) write and issue policies. Insurance agents (like Harry Levine Insurance) act as a sort of liaison between carriers and policyholders (like you!).

All insurance carriers use different factors when writing policies. Some might offer lower premiums if you’re married and high premiums if you live in a certain zip code. Another company might care more about your model of car or type of attic insulation.

The information we gather is used to help us connect you with the best coverage for you at the best price.

Where can I find the cheapest insurance policy?

A more important question to ask yourself is: Why do you want “the cheapest” insurance policy?

In our experience, consumers get what they pay for. This isn’t just true for electronics and jewelry, but for insurance as well. Low premiums almost always mean lower coverage limits, higher deductibles, and worse customer service.

The best way to find the best coverage for your budget is to work with an independent insurance agent who can offer multiple quotes.

Do you offer business insurance?

As an Central Florida business, we understand how vast business insurance in Orlando is, which is why we are proud to offer a wide selection of commercial insurance policies, including fleet vehicle coverage, professional liability insurance, and more.

How do I file a claim?

If you have an insurance agent (like Harry Levine Insurance), give them a call!

Your insurance agent can walk you through the steps of filing a claim, answer any questions you might have, and advise you of next steps. This might be your first insurance claim but, for your agent, this is another day at the office.

What policies/coverage do I have?

Again, ask your agent!

Here at Harry Levine Insurance, we are always available for a chat about your coverage. We can not only advise you of your current policies, coverage limits, and deductibles, we can also help you identify any gaps in your existing coverage so we can better protect you.

What’s the difference between “Actual Cash Value” and “Replacement Value”?

Actual Cash Value (ACV) refers to how much an item was worth at the time of the loss. Replacement value refers to how much money you will need to replace the item with a similar one.

It’s important to understand the distinction between the two, as this will affect your claim.

How can I get my Certificate of Insurance?

A Certificate of Insurance (COI) is like a snapshot of your existing insurance coverage.

You can request your COI online and we will do our best to make it available within 48 hours.

How much coverage do I need?

As much as you can afford!

Too many individuals make the mistake of buying the cheapest policies they can find…only to be blindsided when it comes time to file a claim.

If you have questions about your policy or you’re concerned about your coverage limits, speak to one of our friendly and informative agents to upgrade your policy.

What is an umbrella policy?

An umbrella policy extends the liability coverage of one of your existing policies, typically a home, auto, or boat insurance policy.