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We will get you the right coverage for the right price.

We are an independent insurance agency with the customer in mind. We have relationships with dozens of insurance companies, allowing you to get the right price for the right service. Regardless of your history, we find the right coverage, with the best company, at the best price for you.

free auto & health quotes!

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What is homeowners insurance?

Homeowners insurance provides financial protection against disasters. 


A standard policy insures the home itself and the things you keep in it.  Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets. 


Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Why do you need homeowners insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.

  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.

  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.

  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

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Things to consider and questions to ask your agent

Here are few things to discuss with your agent that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)

  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)

  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

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We are happy to assist you in selecting the best coverage.

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We will get you the right coverage for the right price.

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We offer free quotes and dedicated personal service.

protect what's important

H&M Insurance and Tax Agency specializes in providing our clients with the perfect insurance packages for them. We make sure that you will receive excellent coverage at an even better price. No matter your insurance needs, we make sure you're covered! Our helpful agents can provide you with life insurance, health insurance, auto, commercial, business insurance, and more. We are here for you every step of the way until you find the perfect plan.

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independent insurance agents you can trust

As an independent insurance agent we can offer the right coverages with the personal touch you would expect from your neighborhood insurance agent. We understand that everyone has different schedules and believe that you should be able to access information about your insurance policy 24/7. With our convenient forms, you can make changes to your policy directly from your home or office. In addition to our insurance services we also offer immigration consulting, real estate services, and tax preparation. 

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Contact me today to receive your free quote and learn more about our health, home, and auto insurance policies. 

(407) 613-5008

info@hnminsurance.com

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H&M Insurance and Tax Agency provides clients in the Orlando, Florida area with the best insurance options for an affordable price. We work with you to find the right policy for the right price. H&M Insurance and Tax Agency is an independent agency that puts the customer first. We have relationships with dozens of insurance companies, allowing you to get the perfect service for you at the best price. Regardless of your history with other companies, we will work hard to get that perfect coverage. We work twenty-four hours a day, seven days a week, to answer your questions and deliver you top customer service. You can even make the latest changes to your policy directly from our website 24/7, just use any of our convenient forms from the comfort of your home or office. We currently offer a variety of insurance options including auto insurance, life and health insurance, home insurance, and business insurance. As an independent insurance agent, we can offer the right coverages with the personal touch you’d expect from your neighborhood insurance agent. Contact H&M Insurance and Tax Agency to receive the highest quality customer service and find the perfect plan for you today. 

 

What services do you provide?

 

We offer assistance in finding and selecting the best insurance coverage for you. We offer assistance in finding the best policies in the following insurance categories: 

  • Health Insurance

  • Home Insurance

  • Renter’s Insurance

  • Life Insurance

  • Health Insurance

  • Auto Insurance

  • Business Insurance

  • Commercial Insurance

Our job is to work with insurance companies to find you the best deal. At H&M Insurance and Tax Agency, your needs come first. We will make sure you are getting the best price and the best coverage. In addition to our insurance services, we also offer a variety of other services, including tax-preparation, real estate services, Medicare assistance, and immigration consulting. If you have any questions about the many services we offer, please call, email us, or fill out the contact form on our website at any time. We look forward to hearing from you. 

How can I get a quote? 

 

We offer an easy and efficient way to receive insurance quotes. You simply have to fill out the forms that you see on our website. Click on whichever insurance service you’d like and you will find a link to an easy-to-use online form. After you fill this form out, we will contact you with your free quote! We currently offer free auto, life, and health insurance quotes. 

 

Can I make an appointment? 

 

Yes! We offer in-person consultations and appointments at our office located at 1350 Holden Ave, Orlando, FL 32839. For the most up to date appointment availability please visit our Facebook page. Our office is open Monday through Friday from 9 - 6 P.M. and Saturdays from 10 - 3 P.M. We are closed on Sundays. For more information about appointments and availability, please contact us. 

 

What is an independent insurance agent?

 

An independent insurance agent is one of the three methods commonly used to buy insurance. Unlike using a captive agent, or buying directly from the internet, an independent insurance agent sells insurance policies provided by multiple insurance companies. An independent agent is not an employee of a specific insurance company, and instead eceives commissions for the policies they sell. Independent agents are able to provide clients with a wider variety of insurance options and offer a more personalized experience. Using an independent insurance agent is the best option for a personalized experience and to compare insurance rates all at once. 

 

Why should I choose an independent insurance agent? 

 

Shopping for insurance can be overwhelming and stressful. It can be hard to know whether you’re making the right choices about your coverage and getting the best value for your money. Independent agents work with multiple insurance agencies to find you the best value. Essentially, your agent will do the shopping while you do the saving. When you request a quote through H&M Insurance and Tax Agency, you are saving yourself hours of time that you would’ve had to spend filling out paperwork for each insurance company you’d want to compare. Independent insurance agents are licensed experts. They will be able to explain complicated insurance terms so you can make a well-informed decision about your coverage and service. The agents at H&M Insurance and Tax Agency also function as your advocate and personal advisor. When you have a billing concern or want to change your coverage, your agent will be your advocate and work with the insurance company. As well as offering one-stop shopping for all of your insurance needs, H&M Insurance and Tax Agency are your consultants for life and will periodically review your coverage. We are here for you during all the changes in your life whether you are buying your first home, adding a teen driver, or getting married, H&M Insurance and Tax Agency will help you find the best new coverage. 

 

Does changing my insurance company affect my credit score? 

 

There is a common misconception that changing your insurance carrier has an effect on your credit score. Changing your carrier has no effect on your credit score; you can change it as often as you like. 

When I’m applying for insurance, what kind of questions should I expect to answer? 

 

The questions asked will depend on what type of policy you are applying for. However, you may be asked your name, age, gender, address, etc. You will also be asked a number of questions that will be used to determine how likely you are to make a claim. For example, a car insurance company will want to know about a person’s previous driving record, any recent accidents or tickets, and what type of car is going to be insured. In order to determine which program you can qualify for, insurance companies need this basic information about you. Some questions asked are designed to save you money. For example, if you ride the bus to work and only drive on the weekends, you are less likely to get into an accident and will save more money than someone who has a thirty-minute commute every day.

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