Home and Auto Insurance in Bayonet Point, FL

Bayonet Point stretches from the Gulf side of US-19 back inland along State Road 52. If you’re on the west side, closer to the water, expect flood zones to come up. Farther east, flooding is less of an issue but wind coverage and roof age still decide a lot. Send me the address and I’ll tell you what applies to your house.

No matter where the house is, a handful of things decide who’ll insure it and what it costs:

• How old the roof is and what it’s made of.
• Wind mitigation features, like roof straps and shutters or impact windows.
• On an older home, the shape of the plumbing, electrical and AC.
• The hurricane deductible you pick.
• Past claims, both yours and the home’s.

Home insurance prices around here

For a ballpark, figure on about $4,100 a year on average for a homeowners policy in the area, with most between $2,420 and $5,200.

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.

More about homeowners insurance

Between US-19 and State Road 52, you’re driving two of the busiest roads in west Pasco pretty much every day. That’s the main reason I talk to people here about more than the bare minimum.

Florida’s minimum is $10,000 of personal injury protection (PIP) and $10,000 of property damage liability. Notice what’s missing: nothing in there pays for someone you hurt, and nothing fixes your car. Bodily injury liability, uninsured motorist, comprehensive and collision are all add-ons. I’ll price them so you can choose.

A ballpark on auto insurance

For one vehicle on a six-month policy, liability only has averaged about $1,420 in the area (most between $700 and $1,680). Full coverage has averaged about $2,380 (most between $1,370 and $2,680).

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.

More about auto insurance

Homeowners insurance doesn’t cover flood. Around Bayonet Point, with this much water nearby, that makes flood insurance one of the bigger decisions you’ll make. If you’re in a high-risk flood zone and you have a mortgage, your lender will usually require it.

Flood zones go address by address, so two houses on the same street can be rated differently. You can look yours up on FEMA’s flood map site, or just send me the address and I’ll check. One more thing: a policy through the National Flood Insurance Program usually has a 30-day wait before it kicks in. Don’t wait until there’s a storm in the forecast.

Sinkholes are a real thing in this part of Florida. State law says every home policy has to cover “catastrophic ground cover collapse,” which only applies in the worst cases. Regular sinkhole coverage is separate. Companies have to make it available for an extra cost, and they can ask for an inspection first. What you can get depends on the company and the property, so I check that for you.

• Florida Home Insurance and Roof Age
• Four-Point Inspections and Home Insurance
• Does Homeowners Insurance Cover Flooding?
• Why Is My Hurricane Deductible So High?
• Florida Car Insurance Requirements
• Why Did My Car Insurance Go Up?

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

Port Richey · Shady Hills · Aripeka · New Port Richey · Spring Hill · Jasmine Estates · Holiday · Trinity · Land O’ Lakes · Odessa · Tarpon Springs · Brooksville · Weeki Wachee · Lutz · Hudson · All areas

Coverage, eligibility and pricing depend on the company and the property. This page is general information, not a quote.