---
Date: 2026-06-23
Author: Pi Agent
Tags: [areas, finances, insurance, homeowners, 220_emerald, cabrillo, orange_insurance_exchange]
---

# 220 Emerald Homeowners Insurance

## Homeowners Renewal Bill - Captured 2026-06-23
- Source: photo of homeowners renewal bill shared in family chat.
- Insurer / issuing entity shown: Cabrillo Coastal General Insurance Agency, LLC / Orange Insurance Exchange.
- Policy type: Homeowners.
- Policy number: OIH0012918.
- Policyholder / named insured: Adolfo Reyna Orta.
- Risk location: 220 Emerald Ave, Fort Pierce, FL 34945.
- Mailing address shown: Adolfo Reyna Orta, 220 Emerald Ave, Fort Pierce, FL 34945.
- Policy renewal date: 2026-08-06.
- Invoice date: 2026-06-18.
- Payment warning: policy expires if payment is not received before 12:01 AM standard time on 2026-08-06.
- Payment coupon due date: 2026-08-05.

## Insurance Agency / Agent
- Agency: Platinum Insurance Advisors Inc.
- Agency address: 6635 W Commercial Blvd, Ste 211, Tamarac, FL 33319-2151.
- Agency phone shown in photo: (904) 328-3432. Confirm if needed; photo is slightly blurry.
- Agency/customer number shown: 706595.

## Coverage Limits Shown
- Dwelling: $442,000.
- Other structures: $44,187.
- Personal property: $110,468.
- Loss of use: $44,200.
- Liability coverage: $500,000.
- Medical payments: $2,500.

## Premium / Payment Details
- Full pay / annual amount shown: $6,703.55.
- Minimum amount due: $2,202.40.
- Hurricane premium: $4,033.00.
- Non-hurricane premium: $1,982.00.
- Payment plan examples shown:
  - 2-pay: down payment $3,706.15; next payment $3,010.50.
  - 4-pay: down payment $2,202.40; next payment $1,506.75.
  - 6-pay: down payment $2,202.40; next payment $905.25.
- Fees noted on coupon: $10 service fee added to down payment unless full payment received; $3 installment fee per payment unless full payment received; $25 MGA fee and $2 emergency management fee included in premium.
- Online payments: insured.cabrgen.com/payments, or QR code on bill.
- Check payments payable and mailed to: Orange Insurance Exchange, P.O. Box 737110, Dallas, TX 75373-7110.

## Mortgagee / Lender
- Mortgagee: FILO Mortgage LLC.
- Loan number / address line shown: 200 Barr Harbor Dr #400-425, West Conshohocken, PA 19428.
- Note on bill: records indicate FILO Mortgage LLC is responsible for payment and has been invoiced. If incorrect or paying the renewal personally, detach and return the coupon with payment.

## Important Notes
- The bill explicitly says: IMPORTANT — renewal does not provide flood coverage.
- Flood coverage is tracked separately in [[220_emerald_flood_insurance]].
- Keep the photo/notice as backup if lender or insurance questions come up.

## Follow-up
- Verify before 2026-08-06 that FILO Mortgage LLC or the household paid the renewal so coverage continues.

## Related
- [[220_emerald_flood_insurance]]
- [[220_emerald_mortgage]]
- [[220_emerald]]
- [[Finances Index]]
