Remington Home Insurance
Remington wraps a string of villages — some gated, some not — around an 18-hole public golf course, a few minutes from Kissimmee’s lakefront. Fairway lots, a CDD on the tax bill, villages built out around the turn of the millennium: every one of those details plays into how a Remington home should be insured. We’re an independent Florida agency, and we compare 20+ Florida homeowners carriers — 25+ across our personal lines — so you can see where a Remington home prices best.
Remington at a glance
Facts verified against published community sources. Review your own policy with your agent.
The shape of Remington, from the quoting side
Remington is built out — roughly 2,000 homes in a series of villages wrapped around the Remington Golf Club course, off Partin Settlement Road in Kissimmee’s ZIP 34744. The course opened in 1996 and stays open to the public; the paperwork behind the neighborhood has two layers — a community development district created in 1994, billed through the Osceola County property-tax bill, and a master association over the common areas.
Put in policy terms, Remington insurance comes down to four things:
- Homes built from the mid-1990s through the mid-2000s — carriers price each home’s documented roof age and wind-mitigation features, not the year on the deed.
- Fairway lots along a public course — screened enclosures, glass, and the golf-ball question all deserve a deliberate look.
- A CDD assessment plus association dues — infrastructure and upkeep money, none of which insures your house.
- Gated villages and non-gated ones — a distinction that shows up in the discount column, village by village.
The sections below walk through each, including a few steps worth taking before you talk with anybody — and filling in one quote runs your home across every market we represent.
What sets a Remington premium, starting with the claims that actually happen
Year in and year out, the claims that reach us from neighborhoods this age start with water damage — a supply line quitting inside a wall, a washing-machine hose or water-heater tank giving way — with wind, hail, and lightning from garden-variety summer thunderstorms close behind. The guidance is steady: take as much water-damage coverage as a carrier will qualify you for. The limiting factor is the qualifying — a home’s age, its plumbing’s type and years, any past water losses — and some carriers respond by limiting or excluding water coverage. The carrier match determines what’s on the table at all.
On price, Remington’s build years hold a detail worth understanding: the community went up on both sides of March 2002, when the statewide Florida Building Code took effect. Homes finished before and after that line read as two data sets to a carrier — the construction standards differ, so every carrier draws up its own rates and underwriting for the two groups. Neither side is better or worse; they’re inputs that fine-tune a quote, and they’re a big reason two neighbors’ renewals rarely match.
The biggest input in your hands is the roof. Most Remington homes have reached the age where the original roof has been replaced, and what carriers rate is the roof’s documented age — the permit date, not the deed date. A replaced roof, paperwork in hand, does two things for you: it broadens which carriers will quote the home in the first place, and the wind-mitigation credits that paperwork verifies are real money on top.
From there the quote comes together from the usual parts: construction materials, a Coverage A limit built on your home’s real rebuild cost, endorsements — replacement cost on contents, law & ordinance — and the quieter discounts: gated village, a monitored alarm, insurance score, leak and water shut-off devices. Every one of our 20+ carriers weights these inputs differently, reason enough to quote them all; for the wider market view, see best home insurance companies in Osceola County.
Fairway lots on a public course: three things to settle on purpose
A course anyone can book means play moves past fairway-backing homes all day. When a ball cracks a window or dents the siding, the repair typically lands on your own homeowners policy, within its terms — and because glass and screen repairs often cost less than the deductible, many owners end up paying for them out of pocket. Worth knowing when you choose your deductibles on a course lot.
The bigger fairway-lot item is the screened enclosure. Pool cages and screened lanais may need an endorsement of their own — windstorm damage to screened enclosures is excluded on some policies unless it’s added — and rebuilding a cage costs far more than most owners guess. Fences, sheds, and other detached pieces sit under other-structures coverage, a limit usually pegged to a percentage of Coverage A; on a lot with a pool cage and a fence line, confirm that percentage reflects what’s actually in the yard.
The CDD line on your tax bill — and what’s still yours to insure
Remington’s community development district dates to 1994, and its assessment lands once a year on the Osceola County property-tax bill, funding district infrastructure and amenities. The master association looks after covenants and the common areas. All of that money maintains things; none of it insures your home. An owner-occupied Remington home belongs on a homeowners policy (HO-3) — dwelling, other structures, contents, loss of use, and personal liability, all on one form. A Remington home rented to tenants moves to a dwelling-fire policy (DP-3) instead — occupancy and the deed decide the form, and this neighborhood has plenty of both.
With this much association property around, name the loss assessment endorsement outright when you ask. It exists for one scenario — the association assessing its members after shared property is damaged — and your policy’s terms govern how it applies. It’s typically cheap.
If you’re looking at one of Remington’s villa-style homes, the look of the building doesn’t pick the policy — the deed does. Fee-simple, owner-occupied ownership lines up with an HO-3; a condominium deed lines up with an HO-6. And the classic Florida misstep to avoid: an association collecting reserves for roofs and paint is collecting maintenance money, not carrying a master insurance policy. No HO-6 should get written until a real master policy is confirmed — request the association’s insurance certificate, not its budget line.
Flood coverage in lake country: the question is how much
Kissimmee’s lakefront is a short drive away, and Remington itself is threaded with course ponds and drainage. Flooding, though, is micro-local everywhere in Florida — what matters is your home’s immediate surroundings, how it stands against the lots beside it, and the soil under all of it. FEMA zones are drawn lot by lot, so we run your exact address against the current flood map with every quote, at no charge.
Here’s the framing we hold to: in Florida, the flood decision is about the amount of coverage, never about opting out. A homeowners policy excludes rising water, and if your lender never required flood coverage, that decision protected the loan, not the house. No Florida home should go without some flood protection; what your particular lot decides is the dollar figure.
The pricing tends to surprise people in a good way. Risk Rating 2.0 computes a flood premium from the parcel’s own characteristics — how near the lot sits to water that could reach it, what the home would cost to rebuild, how the first floor is set — and gives the zone letter little say. The federal NFIP’s building ceiling is $250,000, so larger homes sometimes pair it with private or excess flood; NFIP and private flood get lined up together across 10+ flood carriers. And because flood policies typically start with a waiting period, it pays to put one in place well ahead of any storm. Map your parcel — no charge to look.
Cars, teen drivers, and the umbrella over both
Most Remington households run more than one vehicle, and Florida’s required minimums — $10,000 of personal injury protection and $10,000 of property damage liability — won’t come near the bill for a serious accident. Our auto quotes start with real bodily-injury and uninsured-motorist limits, then chase the discounts that fit. A teenager joining the policy sends every carrier’s home-plus-auto math off in a new direction, which is when comparing 6+ auto carriers alongside the home quote pays off — a newly licensed teen often changes which carrier should hold the whole account.
Above the home and auto policies rides the personal umbrella: liability coverage in its own layer, sold by the million, over both sets of limits and on its own terms. A pool behind a screened cage, a young driver, weekend guests — liability adds up quietly. How much umbrella? Tell us how much you’re getting sued for and we can tell you how much to buy. Since nobody can answer that, honesty looks like this: as much as you qualify for and can afford, at a limit guarding both current earnings and expected ones — a judgment can reach future income, which is why it counts here. We compare 5+ umbrella carriers, and premiums stay modest next to the limits.
Already insured in Remington? Hold the renewal up to the market
Cornerstone Insurance holds Florida agency license L061107 and writes in every county in Florida. Independence means we answer to you, not to any carrier — and you see exactly what the market came back with. The renewals worth a hard look share a single trait: something changed and no one re-priced it. A re-roof with no fresh wind-mitigation report. A water shut-off or leak-detection device the policy has never heard about. A military or first-responder credit that was never applied. A home and an auto policy that have never been quoted together.
Canopy Connect is the fast lane — a secure link that carries your current policy details to us direct from your carrier, so the comparison begins at the coverage you actually carry rather than what anyone remembers buying. Or a few minutes on the quote form does it, or call/text 813.920.8181.
Remington insurance questions, answered plainly
Is Remington in a flood zone?
FEMA draws flood zones one lot at a time, so the real answer belongs to your parcel, not the neighborhood. Remington is inland lake country — course ponds and drainage through the villages, the Kissimmee Chain of Lakes nearby — and any address gets looked up on the current FEMA map, free with any quote. Either way, Florida’s flood question is a dollar amount, not a yes-or-no: homeowners policies exclude rising water no matter the zone.
What does the Remington CDD assessment fund — and is any of it insurance on my home?
The CDD, created in 1994, funds and maintains district infrastructure and amenities through the assessment on your Osceola County property-tax bill. None of that money insures your house — your own policy covers the home itself: dwelling, other structures, what’s inside, loss of use, and your personal liability. The related endorsement to ask about is loss assessment, aimed at assessments the association levies on members after shared property is damaged — subject to your policy’s terms.
A golf ball just found my window — whose policy handles it?
Repairs to your home typically land on your own homeowners policy, within its terms, and small glass or screen repairs often cost less than the deductible — many fairway-lot owners simply handle those out of pocket. It’s a reason to choose deductibles deliberately on a course lot — and to confirm how your policy treats the screened enclosure, which may need its own endorsement.
Are Remington’s 1990s-built homes harder to insure than the newer ones?
Not harder — priced on their own data. The community straddles March 2002, when the statewide Florida Building Code took effect, and carriers rate homes on each side of that line as separate groups because the construction standards differ. What moves the outcome more is the roof: a documented re-roof, with the permit or a wind-mitigation report to show for it, widens which of our 20+ carriers quote the home and earns credits on top — whatever year the deed says.
Does living in one of Remington’s gated villages lower my premium?
It helps, without deciding it. A gated-community credit is on many carriers’ lists, and because Remington has both gated and non-gated villages, it’s taken into account on your application village by village — alongside monitored-alarm, leak-detection, and wind-mitigation credits. No lone discount settles a premium — no two of our 20+ homeowners carriers weigh them alike.
How much is homeowners insurance in Remington (ZIP 34744)?
No honest average exists: documented roof age, the construction era, Coverage A’s rebuild figure, endorsements, and each lot’s flood picture push the number around — and every one of our 20+ carriers does that arithmetic differently. Worth saying plainly: a prior claim, on its own, leaves your property rate alone. What it can do is narrow the roster of carriers willing to quote the home and cost you the claims-free discount, typically 2–10% — the moment when quoting the whole market matters most.
I’m buying a villa in Remington — which form fits, HO-6 or HO-3?
Your deed settles it, not the building’s look. Fee-simple and owner-occupied lines up with a homeowners policy (HO-3); renting it out moves you to a dwelling-fire policy (DP-3); a condominium deed means an HO-6. One check protects you either way: reserves the association holds for roofs and paint are maintenance money, not insurance. Before an HO-6 gets bound, verify a genuine master insurance policy exists — the association’s insurance certificate is the proof, not its budget.
Do I need flood insurance in Remington if my lender doesn’t require it?
A lender’s requirement protects the loan; the house is your side of the question. Some flood protection belongs in every Florida homeowner’s file, and on many inland parcels it ranks among the cheapest coverage we quote — the premium tracks your parcel’s own facts well ahead of its zone letter. We compare NFIP and private flood options, and the map lookup comes free with any quote.
