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Home and Auto Insurance in Shady Hills, FL
Shady Hills is inland, east of Hudson out toward the Suncoast Parkway. It’s more country than coast, with bigger lots and more room.
As an independent broker, I work with multiple insurance companies. You tell me what you need, I shop it, and I go over the options with you before you decide anything.
FL License #G193830
Based in Hudson
Homeowners insurance
Homeowners insurance in Shady Hills
Being inland mostly takes storm surge off the table. It doesn’t take wind off the table, and low ground can still flood in a heavy rain. If you’ve got a barn, a workshop, a detached garage or a lot of fence, tell me. Those are covered under “other structures,” and the standard amount on a policy isn’t always enough.
When I quote a home, these are the first things a company wants to know:
- When the roof was last replaced.
- What the home is built from, block or frame.
- If it’s an older home, whether the plumbing, electrical and AC have been updated.
- Whether there’s a wind mitigation report.
- Any claims on the home, including before you owned it.
What home insurance quotes have looked like
Homeowners policies in the area have averaged about $4,100 a year. Most land somewhere between $2,420 and $5,200. Every Florida home policy also carries a separate hurricane deductible, usually 2% to 10% of the dwelling limit, which you pay first on a hurricane claim.
That’s based on quotes in the area over the past 36 months. It’s a starting point. I’ll get you a real number.
Auto insurance
Auto insurance in Shady Hills
Out here you tend to drive more, whether it’s over to US-19 or down the Suncoast. How many miles you drive and what you use the vehicle for both go into the price, so I get those right from the start.
Legally, you need $10,000 in PIP and $10,000 in property damage liability to put a tag on a car in Florida. That keeps you legal. It doesn’t cover injuries to the other driver or damage to your own vehicle. Ask me what bodily injury, uninsured motorist, comprehensive and collision would add to the bill.
What auto insurance has been running
On a one-car, six-month policy, the area average has been about $1,420 for liability only and about $2,380 for full coverage. Most liability quotes fall between $700 and $1,680, and most full coverage quotes between $1,370 and $2,680.
Those are averages from quotes in the area over the past 36 months. Yours could be higher or lower. The only way to know is to quote it.
Flood and sinkhole
Flood and sinkhole coverage in Shady Hills
People in Shady Hills often assume flood insurance is a coast thing. It’s not. Flood damage isn’t covered by a home policy anywhere in Florida, and heavy rain can put water in a house that’s miles from the beach. Outside high-risk zones it’s usually optional.
I can pull the flood zone for your address, or you can find it on FEMA’s flood map site. There’s usually a 30-day waiting period on a National Flood Insurance Program policy, so don’t leave it for the last minute.
On sinkholes: don’t assume you’re covered. Florida law requires a home policy to cover “catastrophic ground cover collapse,” and that’s a narrow definition. Broader sinkhole coverage costs extra, and the company can require an inspection before adding it. Ask me which one your policy has.
Common questions from Shady Hills
Do you have an office in Shady Hills?
No. I’m based in Hudson. I work with people in Shady Hills by phone, text, email and online, so you don’t have to drive anywhere to get a quote or make a change.
Will an older roof keep me from getting insured?
Not automatically. Companies have different cutoffs for different roof types, and Florida law puts limits on denying a policy over roof age alone. Send me the year it was put on.
What do you need from me for a quote?
For auto: who’s driving, their license numbers, and the vehicles. For home: the address, the year it was built, the year the roof was replaced, and any inspection reports you have. If you don’t have all of it, that’s fine. I can start with what you’ve got.
My rate went up. Can you help?
That’s most of what I do. Send me your current policy and I’ll shop it against the companies I work with. I can’t promise it’ll come out lower, but you’ll know where you stand.
Can I switch before my renewal?
Yes, you don’t have to wait for renewal. I line up the dates so there’s no gap in coverage, and if you have a mortgage I make sure the lender gets the new policy.
Keep reading
- Four-Point Inspections and Home Insurance
- Home Insurance Discounts and Credits Worth Asking About
- How Past Claims Affect Your Home Insurance
- Does Homeowners Insurance Cover Flooding?
- Why Did My Car Insurance Go Up?
- Car Insurance Discounts Worth Asking About
Official sources
- Florida Highway Safety and Motor Vehicles: insurance requirements
- FEMA Flood Map Service Center
- Florida Division of Emergency Management: Know Your Zone
- FloodSmart, the National Flood Insurance Program
- Florida Statutes 627.706, sinkhole and catastrophic ground cover collapse
Other areas I serve
Bayonet Point · Port Richey · Aripeka · New Port Richey · Spring Hill · Jasmine Estates · Holiday · Trinity · Land O’ Lakes · Odessa · Tarpon Springs · Brooksville · Weeki Wachee · Lutz · Hudson · All areas
This page isn’t a quote or a promise of coverage. It all depends on the company and the details of your home and vehicles.
Have a question? Just ask.
Call me or send a quote request. You’ll hear back from a real person.