Insurance Protection You Need, 
At A Price You Can Afford, 
From A Company You Can Trust.

Oviedo, Florida

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Salmon Insurance Agency 
Insurance Protection You Need, 
At A Price You Can Afford, 
From A Company You Can Trust.

Call Us

Orlando, Florida

407-365-1766
Need a hassle-free Quote? Let us help.
When you complete the form below, you will receive rate options ranging from basic to full coverage. From there you can sign up for custom insurance via chat or phone and our team will guide you through the entire process step by step. 

*Your personal information will be kept strictly confidential and will not be sold, reused, rented, loaned or otherwise disclosed.
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WHY  SALMON AGENCY

Smarter Insurance

Insurance should be easily accessible.
So we've made it quick and simple.

We're an Independent Agent

That means more choices, better solutions, and more benefits for you. Salmon Agency Insurance is independent, family-owned, and one of the largest agents in Florida.

Whole Life Approach

Your life. Your car + your home + your valuables + your family and loved ones + your business + your future. 


The "whole" perspective considers all of your individual policies and packages them into a way to support each other.


Questions? Just give us a call.

Our Values

Our values impact our lives in many ways and influence the decisions we make every day. When it comes to protecting your whole life, choose to partner with someone you can trust. 


At Salmon Agency Insurance, our values shape the way we approach protecting individuals, families, and businesses like you. We hope you take a few moments to get to know us better and decide that we are your right agent. 

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Insurance We Offer

We dedicate ourselves to ensuring we can find the coverage so you can keep yourself and your loved ones safe.

Everyone needs auto insurance, and we make sure you get the best possible deals for precisely what you need.

Your home has the most important things and people in it. Keep them safe with our vast coverage plans.

While your landlord probably has insurance to cover the building you live in, you also need your own protection. We have you covered.

Your Salmon Agency trusted associate can help you create a life insurance plan to protect everything important to you.

We offer a wide variety of property insurance to keep your possessions safe.

We offer general business liability that provides coverage for more common risks of bodily injuries to visitors of your property.

We have a wide variety of coverage for anyone in need, no matter what condition they find themselves in.

We have many options for worker's compensation. To discuss your needs, call us today.

Auto

 Everyone needs auto insurance, and we make sure you get the best possible deals for precisely what you need.

Home

Your home has the most important things and people in it. Keep them safe with our vast coverage plans.

Renter

While your landlord probably has insurance to cover the building you live in, you also need your own protection. We have you covered.

Life

Your Salmon Agency trusted associate can help you create a life insurance plan to protect everything important to you.

Property

We offer a wide variety of property insurance to keep your possessions safe.

Liability

We offer general business liability that provides coverage for more common risks of bodily injuries to visitors of your property.

Disability

We have a wide variety of coverage for anyone in need, no matter what condition they find themselves in.

Worker's Compensation

We have many options for worker’s compensation. To discuss your needs, call us today.

Lincoln Salmon

I appreciate your interest in Salmon Agency Insurance. As an Agency Principal in the insurance industry since 1999, I am well aware you have many options for choosing an insurance agent. Upon review of our site or with a simple call to our office, I hope you will recognize the Salmon Agency difference.

We give back to our community and strive to make a difference in the lives of others. These differences set The Salmon Agency apart from the rest, and we hope you will consider us your trusted insurance agent if you are visiting here for the first time. To our returning customers, thank you for choosing us. It is an honor to serve you.
Picture of Lincoln Salmon

WHY SALMON?

Insurance protection is more than a responsibility. It is about protecting the people you care about and the assets you have worked hard for. The Salmon Agency understands this. The two key reasons to choose Salmon Agency Insurance over others are our "whole life" approach to being your partner in building a comprehensive plan for you that provides you with peace of mind and our reputation as a trusted independent agent, which means more choices and less work for you. We're proud to have served families and businesses of all sizes for many generations.
We look forward to serving you.
Learn More

WHY SALMON?

Insurance protection is more than a responsibility. It is about protecting the people you care about and the assets you have worked hard for. The Salmon Agency understands this. The two key reasons to choose Salmon Agency Insurance over others are our "whole life" approach to being your partner in building a comprehensive plan for you that provides you with peace of mind and our reputation as a trusted independent agent, which means more choices and less work for you. We're proud to have served families and businesses of all sizes for many generations.

We look forward to serving you.
Learn More

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Recent Blog Posts
05 Dec, 2023
Introduction In regions like Florida, where the risk of flooding is a constant concern, understanding and securing flood insurance is crucial for homeowners. This specialized insurance provides financial protection against damages caused by flooding, a peril not typically covered under standard homeowners insurance policies. Understanding Flood Insurance Definition and Basics Flood insurance is a specific type of property insurance that covers losses to your home and personal property due to flooding. It's crucial to note that standard homeowners insurance does not cover flood damage . Coverage Details A standard flood insurance policy typically includes: Structural Damage : Covers the repair or rebuilding costs for your home's structure. Personal Property : Provides compensation for damaged personal items. Living Expenses : Assists with costs if your home is temporarily uninhabitable. Assessing Flood Risk Risk Factors Key factors influencing flood risk include proximity to water bodies, regional climate patterns, and local topography. Importance of Risk Assessment Proper risk assessment is essential for determining the need and level of flood insurance coverage. Homeowners should use flood maps and risk assessment tools to gauge their property's vulnerability. The Necessity of Flood Insurance Protection Against Flood Damage Flood insurance acts as a safety net, ensuring homeowners can recover from flood-related losses. Case Studies Examples of flood recovery highlight the critical role of flood insurance in post-disaster financial stability. Flood Insurance vs. Homeowners Insurance Comparative Analysis Homeowners insurance covers various property damages but typically excludes flood damage, underscoring the need for a separate flood insurance policy. Misconceptions Clarified Many homeowners mistakenly believe their standard policy covers flood damage, which can lead to significant financial hardship in the event of a flood. Choosing the Right Flood Policy Factors to Consider When selecting a flood insurance policy, homeowners should consider coverage limits, deductibles, and policy exclusions. Policy Types Options range from National Flood Insurance Program (NFIP) policies to those offered by private insurers, each with unique coverage aspects. Financial Implications Cost of Flood Insurance The cost varies based on location, flood risk, and the value of the insured property. Long-term Financial Benefits Investing in flood insurance can prevent devastating financial losses during a flood event. Steps to Acquire Flood Insurance Process Overview To obtain flood insurance, homeowners should: Assess their flood risk. Compare policy options. Choose the policy that best fits their needs. Resources and Assistance FEMA's Flood Map Service Center and insurance advisors can provide guidance in selecting the appropriate policy. Preparing for Flood Events Preventive Measures Homeowners can minimize flood damage through measures like elevating utilities and installing flood barriers. Community Resources Local programs often offer support for flood preparedness and recovery. Conclusion Flood insurance is an indispensable safeguard for homeowners, particularly in flood-prone areas. It ensures financial resilience in the face of potential flood disasters. Next Steps  Evaluate your flood insurance needs and take steps to protect your home and financial future.
05 Dec, 2023
Introduction Life insurance in Florida is an essential consideration for residents. It's not just about a policy; it's about securing the future for your loved ones. This guide provides a comprehensive look at life insurance options in the Sunshine State, tailored to meet the unique needs of Floridians. Understanding Life Insurance in Florida What is Life Insurance? Life insurance is a contract where an insurer pays a designated beneficiary a sum of money upon the insured person's death, in exchange for premiums paid during their lifetime. Why It's Important in Florida Florida's diverse demographics and unique environmental factors make understanding life insurance particularly important for residents. Types of Life Insurance Policies Term Life Insurance Features : Fixed-term coverage, usually more affordable. Best For : Short-term coverage needs or limited budgets. Whole Life Insurance Advantages : Lifetime coverage with a savings component. Ideal For : Long-term financial planning and wealth accumulation. Universal Life Insurance Flexibility : Adjustable premiums and benefits. Suitable For : Those needing adaptable coverage over time. Assessing Your Coverage Needs Factors to Consider Age and Health : Younger, healthier individuals typically pay lower premiums. Financial Obligations : Consider debts, income replacement, and future expenses like education or retirement. Calculating Coverage Rule of Thumb : 5 to 10 times your annual income. Personalized Assessment : Consult with a financial advisor for tailored advice. Choosing the Right Policy Comparing Providers Research and compare different insurers. Look for financial stability, customer service, and claim settlement ratios. Understanding Policy Terms Read and understand the fine print, including exclusions and riders. Policy Riders and Additional Coverage Common Riders Accidental Death Benefit : Additional payout in case of accidental death. Waiver of Premium : Waives premiums if you become disabled. Tailoring Your Policy Choose riders based on personal circumstances and future concerns. Life Insurance for Different Life Stages Young Adults Focus : Affordable coverage, typically term life insurance. Mid-Life Adjustments : Increase coverage to reflect growing responsibilities and assets. Seniors Considerations : Estate planning, final expenses, and leaving a legacy. Navigating Life Insurance Claims Filing a Claim Understand the process and required documentation. File promptly and follow up regularly. Challenges in Florida Be aware of potential issues like delayed payouts or disputes. Conclusion Life insurance in Florida is a crucial part of financial planning. Understanding the different types of policies and aligning them with your life stage and goals is key to making informed decisions. Next Steps Review your life insurance needs regularly and consult with a professional to ensure your coverage aligns with your changing life circumstances.
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