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Orlando, Florida

Cathy foto editada.png

8810 Commodity

Cir #36 Orlando

FL 32819



  • Home Insurance

  • Car Insurance

  • Renters Insurance

  • Condo Insurance

  • Landlord Insurance

  • Umbrella Insurance

  • Jewelry and Valuable Items Coverage

  • Wedding and Events Insurance

  • Boat and Yacht Insurance

Why Choose C&M Personal Lines Insurance Agency?

In challenging times, saving money is crucial, especially when it comes to auto and homeowners insurance. While online options have made finding great rates easier, handling policies independently can lead to pitfalls. Many customers may not grasp their coverage needs and opt for the lowest rate without considering potential repercussions.

Working with an independent agency remains a superior choice. Agents assist in securing the right coverage at an affordable price. With features like online quote comparisons, these agencies simplify the process, ensuring you get the coverage you need while saving money. Take the time to research and choose an independent agency for ease and cost-effectiveness.​

Get protection that can give you peace of mind when you're on the road.​

Protect your home the way it protects you by choosing the property insurance coverage that meets your needs.

Condo Insurance can help protect your personal property and liability

Products Offered

Featured Products

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Comprar un apartamento
Se renta apartamento
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Renters insurance can help to cover more than your personal property. It can help to protect you from personal liability, so you can rest easy


Protect your property investment with insurance coverage designed for rental property owners.


Boat & Yacht

Knowing that you, your passengers and your vessel are protected can help you relax and enjoy your time on the water.

Frequently Asked Questions

What Is Car Insurance and Why Do I Need It?

Car insurance is designed to protect you and everyone who shares the road from the potentially high cost of accident-related and other damages or injuries. It is a contract in which you pay a certain amount — or “premium” — to your insurance company in exchange for a set of coverages you select. A basic car insurance policy is required for drivers in most states, although the mandatory minimum coverage and policy limits will vary. If you finance or lease your vehicle, your lender may also require specific car insurance coverages and limits. Beyond legal requirements, carrying car insurance is a smart decision. If you cause an accident or get into one with an uninsured or underinsured driver, you may be held responsible to cover related expenses, such as car repairs, property damage, medical bills, lost wages, legal fees and more. Without the proper coverage, your financial well-being may be at risk. Working with an insurance representative to create a car insurance policy that addresses your individual needs and budget can protect you, your loved ones and your assets in the aftermath of an accident.

What Is Homeowners Insurance and Why Do I Need It?

Homeowners insurance can protect you from the unexpected. If your home is damaged, your belongings are stolen or someone gets injured on your property, it can help cover repairs or replacement, temporary housing, medical bills, legal fees and more. A homeowner's policy is recommended for anyone who owns a home or condo and may even be required by your mortgage lender. In certain areas, you may need separate policies or coverage to help protect your home and personal belongings against damage due to floods, earthquakes, windstorms, or hail. Most policies have 3 key elements: the premium, which is how much you pay for coverage, deductibles which are how much you’re responsible for out-of-pocket in the event of a covered Claim, and limits which are the most your insurer will pay for a covered claim. Home insurance is coverage you hope to never have to use, but if the unexpected happens, it can help you restore your life back to normal. Learn more about homeowners' insurance.

How does an umbrella insurance policy work?

An umbrella insurance policy works exactly as the name describes. The umbrella policy sits over the top of underlying insurance policies and provides an extra layer of liability insurance. In the case of a personal umbrella underlying policies would include auto insurance, homeowners insurance, boat insurance, rental property insurance, etc. If the limit of liability is used up on the underlying policy then the umbrella kicks in to provide additional coverage.

Umbrella insurance policies are an important part of every insurance program.

Should I package my home and auto insurance with the same insurance carrier?

Certainly! Bundling your home and auto insurance with the same carrier is a wise decision for several reasons. Firstly, many insurance providers offer significant discounts when you combine both policies, leading to cost savings. These discounts can make your overall insurance premiums more affordable compared to purchasing separate policies from different carriers.

Secondly, bundling makes managing your insurance simpler. You'll have a single point of contact for both home and auto coverage, streamlining administrative tasks such as bill payments and policy renewals.

C&M Family

Catherine Ayala

Greetings, my name Catherine Ayala, I am an insurance agent and a Realtor in Orlando FL with over 20 years of insurance sales experience . I became an insurance agent because I am passionate about helping people in the community. I believe it is my responsibility as an insurance agent to guide each of my customers through their questions and provide the products and knowledge that can serve them best.

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Karla C.

“Mil gracias por ayudarme con mis clientes y sus seguros, gracias por conseguirles esas Quotes tan buenas."

Erick C.

"Higly recommended, they are very fast and efficient. They really understand what is needed and help you find the best coverage."

Diosmery V.

"I am very happy with my experince. Cathy is knowledgeable and efficient. She found us the right coverage in a timely manner. Cathy is very professional and quick to respond."


8810 Commodity Cir #36, Orlando, FL 32819, USA

(407) 703-5923

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