Your World. Our Protection.
Your independent insurance agency in Orlando
We’re Diana Giron and the team at Universal Insurance Agency. Since 2003 we’ve helped Central Florida families and business owners find home, auto and commercial coverage that fits their lives and their budgets.
We compare more than 60 home, 30 auto and 300 commercial insurance products, then walk you through your options in English or Spanish before you decide anything.
Rather text? Send us a message at 407-375-6664. Se habla español.
- 35+ years in insurance
- Serving Orlando since 2003
- BBB A+ accredited
- Se habla español
What we cover
Coverage for your home, car, business and family
Most of our customers come to us for home and auto insurance, and many stay with us for their business and life coverage too. Pick where you’d like to start.
Home & property
Homeowners, condo, flood, landlord and mobile home coverage written for Florida roofs, storms and inspection rules.
Auto & vehicles
Car, motorcycle, boat, RV and classic car policies, plus FR-44 and SR-22 filings when the state requires them.
Business
General liability, workers’ comp, commercial property and commercial auto for restaurants, offices, contractors, churches and more.
Life
Term and whole life insurance, so the people who count on you are looked after if something happens to you.
Why an independent agency
One agent. Many insurance companies.
When you call one insurance company, you hear about that company’s policies and nothing else. As an independent agency we’re appointed with many carriers, so we can put quotes side by side and show you the real differences in price and coverage.
Diana opened Universal Insurance Agency in 2003 after working for two Florida insurance companies. She saw that no single company could be the right fit for everyone. We still work that way: we find the right fit first, then the best price for it.
What working with us looks like
- Several quotes from one conversation
- Help when your policy is non-renewed or your premium jumps
- A familiar person to call when something changes
- Service in English and Spanish
- A second look at your coverage every renewal
Florida homeowners
Got a non-renewal letter, or a premium that jumped again?
Florida home insurance has its own rules. An older roof, a 4-point inspection, a missing wind mitigation report or a carrier leaving the state can turn a simple renewal into a real worry. We help homeowners sort these out, and we’ll tell you honestly what your options are.
Roof age and 4-point inspections
Many carriers look closely at roof age and older electrical, plumbing and heating systems. We’ll tell you which companies will still write your home and what they’ll ask for.
Wind mitigation credits
Roof straps, hurricane shutters and impact windows can lower your premium, but only if the right report is on file. We’ll check that your discounts are actually applied.
Non-renewals and cancellations
A non-renewal notice gives you time, but not a lot. Send it to us early and we’ll start shopping before your current policy ends.
For realtors and loan officers
Closing soon? We'll get the binder where it needs to go.
Realtors and lenders send us more business than any other source, and we take that trust seriously. Send us your buyer and the closing date. We’ll quote, bind the policy and send proof of insurance to the lender so your closing stays on track.
How it works
Getting a quote takes one conversation
Tell us what you need
Call, text or fill out a short form. A few details about you and your home, car or business is enough to get started.
We compare carriers
We check the companies that fit your situation and line up your options side by side, with the differences explained.
You choose. We stay with you.
Pick the coverage you’re comfortable with. We’ll be here at renewal time and whenever you need to make a change.
Our carriers
Insurance companies we work with
American Integrity, Cypress, Progressive, Travelers, Mercury, Universal Property & Casualty and many more. Ask us about a specific company and we’ll tell you whether it’s a good fit for you.
Where we work
Serving Orlando and Central Florida
Our office is on South Semoran Boulevard in Orlando, and we write policies across Orange, Seminole, Osceola, Polk, Brevard, Marion and Pinellas counties. Most customers never need to visit, but you’re always welcome to stop by.
Questions we hear a lot
Frequently asked questions
What does an independent insurance agency do?
An independent agency isn’t tied to one insurance company. We’re appointed with many carriers, so we compare their policies for you and recommend the one that fits. You still have one agent to call, even if your home and your car end up with different companies.
Are you Universal Property & Casualty?
No. Universal Insurance Agency is an independent agency in Orlando, opened by Diana Giron in 2003. Universal Property & Casualty Insurance Company is one of the carriers we can quote, along with many others. If you have a claim with them, call us and we’ll point you to the right place.
Do you have Spanish-speaking agents?
Yes. About half of our customers prefer Spanish, and our team is glad to help you in whichever language is easier for you. Sí, hablamos español.
My home insurance was non-renewed. Can you help?
In most cases, yes. Send us your non-renewal notice and any recent inspection reports you have. We’ll check which carriers will write your home and what they’ll need from you, such as a roof update or a new 4-point inspection.
What do I need to get a quote?
For a home quote, your address and the year your roof was replaced help a lot. For auto, have your driver’s license and current policy handy. Call 407-898-1116, text 407-375-6664, or fill out our quote form.
Where is your office?
We’re at 1548 S. Semoran Blvd., Orlando, FL 32807. You can handle everything by phone, text or email, but you’re always welcome to come in.
Ready when you are
Talk to a real person at our Orlando office. We’ll look at what you have now and see if we can do better.