Caple Howden Insurance Agency is Orlando's trusted home insurance agency, serving homeowners and businesses across Central Florida for over 36 years. Located at 10222 E. Colonial Drive in Orlando, FL, the agency represents many of the top insurance carriers in the country rather than a single provider, giving clients access to more coverage options and competitive rates. Whether you need a new home insurance policy or want to review your existing home insurance services, our agents work across the full carrier market to find the right fit.
Florida's insurance market has grown increasingly volatile, with many carriers reducing their footprint or dropping policyholders statewide. Working with a qualified local home insurance agent who understands the Florida market can make a real difference. Call Caple Howden today at (407) 657-8808 or contact us to request a free quote.
Why Orlando Homeowners Have a Real Advantage
Orlando sits well inland, making it one of the least hurricane-impacted areas in Florida. Carriers that have pulled back from coastal markets are often more willing to write and retain policies in Central Florida, which can translate to greater stability and more competitive pricing for local residents.
Property-specific factors can further improve your rate. Newer homes built to current Florida building code standards may qualify for lower premiums. Tile roofs are generally preferred by carriers and can yield more favorable rates. Metal roofs go a step further, their longer lifespan makes them even more attractive to insurers, and homeowners with metal roofs may qualify for improved rates as a result.
Homeowners in gated communities may qualify for an additional discount. A knowledgeable home insurance agent Orlando FL residents rely on can help identify which features qualify and how to capture those savings.
Bundling home and auto insurance is one of the most effective ways to lower overall costs. As a multi-line independent agency, Caple Howden can shop both policies across multiple carriers simultaneously to find the best combined rate.
Working With a Local Home Insurance Agent in Orlando, FL
Getting insured with Caple Howden is straightforward. Here is what most clients can expect:
- Call or contact us to schedule a free consultation with a licensed home insurance agent.
- Share details about your home, including roof type, age, construction, and any community features.
- Your agent reviews coverage options from multiple top-rated carriers on your behalf.
- Receive a clear comparison of coverage and pricing tailored to your property and budget.
- Choose your preferred policy and get covered, with ongoing agent support for any future claims.
As an independent agency, we are not tied to one home insurance company, which means your agent works for you, not a carrier.
Commercial Insurance Agency in Orlando, FL
Orlando is one of Florida's largest and most diverse business markets, from hospitality and healthcare to construction, real estate, and professional services. Caple Howden serves as a full commercial insurance agency for Orlando businesses of all types, tailoring coverage to the specific risks each industry carries. The agency writes policies for auto service businesses, hospitality operations, medical offices, law firms, construction companies, real estate professionals, restaurants, and more.
Rather than limiting a business owner to a single carrier's products, our commercial lines advisors access a broad network of providers to match coverage to the business's type, size, and exposure. Whether a business needs general liability, commercial property, commercial auto, or a comprehensive business owner's policy, the team at Caple Howden can identify gaps and structure a program that fits. Clients who need both a trusted home insurance agent and a commercial insurance agency will find that Caple Howden handles both under one roof.
Get a Free Home Insurance Quote in Orlando Today
Caple Howden Insurance Agency is ready to help Orlando homeowners and business owners find the coverage they need at a rate that works. Call (407) 657-8808 or reach out via our contact page to speak with a licensed agent. Ask about bundling your home and auto together for the best combined rate. A contactless drive-thru option is also available for your convenience.