aeroreyna
67 lines
2.9 KiB
Markdown
67 lines
2.9 KiB
Markdown
---
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Date: 2026-06-23
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Author: Pi Agent
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Tags: [areas, finances, insurance, homeowners, 220_emerald, cabrillo, orange_insurance_exchange]
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---
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# 220 Emerald Homeowners Insurance
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## Homeowners Renewal Bill - Captured 2026-06-23
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- Source: photo of homeowners renewal bill shared in family chat.
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- Insurer / issuing entity shown: Cabrillo Coastal General Insurance Agency, LLC / Orange Insurance Exchange.
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- Policy type: Homeowners.
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- Policy number: OIH0012918.
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- Policyholder / named insured: Adolfo Reyna Orta.
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- Risk location: 220 Emerald Ave, Fort Pierce, FL 34945.
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- Mailing address shown: Adolfo Reyna Orta, 220 Emerald Ave, Fort Pierce, FL 34945.
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- Policy renewal date: 2026-08-06.
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- Invoice date: 2026-06-18.
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- Payment warning: policy expires if payment is not received before 12:01 AM standard time on 2026-08-06.
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- Payment coupon due date: 2026-08-05.
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## Insurance Agency / Agent
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- Agency: Platinum Insurance Advisors Inc.
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- Agency address: 6635 W Commercial Blvd, Ste 211, Tamarac, FL 33319-2151.
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- Agency phone shown in photo: (904) 328-3432. Confirm if needed; photo is slightly blurry.
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- Agency/customer number shown: 706595.
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## Coverage Limits Shown
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- Dwelling: $442,000.
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- Other structures: $44,187.
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- Personal property: $110,468.
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- Loss of use: $44,200.
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- Liability coverage: $500,000.
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- Medical payments: $2,500.
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## Premium / Payment Details
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- Full pay / annual amount shown: $6,703.55.
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- Minimum amount due: $2,202.40.
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- Hurricane premium: $4,033.00.
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- Non-hurricane premium: $1,982.00.
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- Payment plan examples shown:
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- 2-pay: down payment $3,706.15; next payment $3,010.50.
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- 4-pay: down payment $2,202.40; next payment $1,506.75.
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- 6-pay: down payment $2,202.40; next payment $905.25.
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- 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.
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- Online payments: insured.cabrgen.com/payments, or QR code on bill.
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- Check payments payable and mailed to: Orange Insurance Exchange, P.O. Box 737110, Dallas, TX 75373-7110.
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## Mortgagee / Lender
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- Mortgagee: FILO Mortgage LLC.
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- Loan number / address line shown: 200 Barr Harbor Dr #400-425, West Conshohocken, PA 19428.
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- 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.
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## Important Notes
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- The bill explicitly says: IMPORTANT — renewal does not provide flood coverage.
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- Flood coverage is tracked separately in [[220_emerald_flood_insurance]].
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- Keep the photo/notice as backup if lender or insurance questions come up.
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## Follow-up
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- Verify before 2026-08-06 that FILO Mortgage LLC or the household paid the renewal so coverage continues.
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## Related
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- [[220_emerald_flood_insurance]]
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- [[220_emerald_mortgage]]
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- [[220_emerald]]
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- [[Finances Index]]
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