Tony Lopez

Hello and welcome to our Winter Park Agency. Hablamos Espanol. This is one of our two offices here in Florida and this location has served our customers since 2017 and the other since 2002. I am a New Jersey native, and I’ve been married to my wife since 1994 and together we have two beautiful daughters. I am an alumni of Rutgers University where I received my bachelor’s degree. My family and I moved from New Jersey to Florida in 2002 and have served the greater Orlando area for over 20 years! My State Farm Insurance Career began in 1992 as an Adjuster and Supervisor before opening my own office in 2000. I have completed my ChFC from the American College of Financial Services. I also like to remain active in my community and am a proud member of the Winter Park Chamber of Commerce.

Our office is right across the street from Outback Steakhouse next to Truist located in the little green house.

Call, Click, Text, or Stop in to save money on all of your insurance needs!

FAQ’s

How property value impacts home insurance in Winter Park Florida?

Home insurance in Winter Park Florida is often influenced by property value, construction costs, and location. Higher-value homes may require increased coverage limits to completely protect the structure and belongings. Insurers also consider rebuilding costs, not just market value. Understanding how these factors affect your policy can help homeowners choose coverage that reflects the true cost of their property.

What coverage options are available for condo owners in Winter Park Florida?

Condo owners in Winter Park Florida typically need a different type of insurance policy than traditional homeowners. Coverage often includes personal property, interior structures, and liability, while the building exterior may be covered by the association. Understanding what your condo association policy includes helps you determine what additional protection you may need for your individual unit.

How deductibles affect insurance costs in Winter Park Florida?

Deductibles play an important role in determining insurance costs in Winter Park Florida. A higher deductible can lower your monthly insurance costs, but it also means paying more out of pocket if a claim occurs. Choosing the right deductible depends on your financial situation and risk tolerance. Understanding this balance helps ensure your policy fits both your budget and protection needs.

How insurance works for rental property owners in Winter Park Florida?

Rental property owners in Winter Park Florida often need landlord insurance, which differs from standard homeowners coverage. These policies can help protect the structure, provide liability coverage, and account for lost rental income in certain situations. Understanding the difference between landlord and homeowners insurance helps property owners choose coverage that reflects how the property is used.

What role does credit play in insurance rates in Winter Park Florida?

Credit history can influence insurance rates in Winter Park Florida, as insurers often use it as one factor when assessing risk. While it is not the only consideration, a higher credit score may be associated with lower insurance costs in some cases. Understanding how credit impacts insurance pricing can help residents make informed financial and coverage decisions.