Home and Auto Insurance in Tarpon Springs, FL

Water is everywhere in Tarpon Springs, between the Gulf, the river and the bayous. If your home is near any of it, flood insurance is going to be part of the plan. And if you own one of the older homes near downtown, it can still be insured. It just takes more work, and the inspections matter. That’s the kind of thing I’m happy to dig into.

A few things drive the price of a home policy more than anything else:

• Your roof: its age, its material and its shape.
• Whether you’ve had a wind mitigation inspection, and what it found.
• The year the home was built, and what’s been updated since.
• Your hurricane deductible.
• Claims in the last few years.

A ballpark on home insurance

For a home insured for $200,000 to $300,000, the average homeowners policy has come in near $4,150 a year, and most fall between $2,470 and $4,990.

Averages come from quotes in the area over the past 36 months. Treat them as a rough guide until I run yours.

More about homeowners insurance

US-19 and Alternate 19 are the main roads through town. I shop more than one company for you, so you’re not stuck deciding off a single quote.

The state only makes you carry two things: $10,000 of PIP, which helps with your own medical bills, and $10,000 of property damage liability, which pays for the other person’s car or property. A lot of people think that’s full coverage. It isn’t. I’ll explain what the other coverages do and what they’d cost you.

What auto insurance quotes have looked like

Six months of liability-only coverage on one vehicle has averaged about $1,610 in the area, usually somewhere from $690 to $1,840. With full coverage, the average is about $2,520, usually $1,210 to $3,180.

These numbers are averages from area quotes over the past 36 months, not a quote for you. Your price depends on your details.

More about auto insurance

A lot of people in Tarpon Springs find out the hard way that their home policy doesn’t pay for flood damage. Flood is its own policy. Lenders usually require it for mortgaged homes in high-risk zones, and plenty of people outside those zones buy it anyway.

I’ll look up the flood zone for your address, or you can check it yourself on FEMA’s flood map site. If you go through the National Flood Insurance Program, there’s usually a 30-day waiting period, so it’s something to handle well before hurricane season.

Then there are sinkholes. Every Florida home policy has to include “catastrophic ground cover collapse,” but that only pays in severe cases. Sinkhole coverage itself is an add-on. Companies are required to offer it for an added premium and may want the property inspected first. I’ll find out what’s available for your home.

• How Much Should Your Home Be Insured For?
• Wind Mitigation and Homeowners Insurance
• Does Homeowners Insurance Cover Flooding?
• Why Is My Hurricane Deductible So High?
• How to Lower Car Insurance Costs
• What Does “Full Coverage” Really Mean?

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 · Shady Hills · Aripeka · New Port Richey · Spring Hill · Jasmine Estates · Holiday · Trinity · Land O’ Lakes · Odessa · 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.