close to the water, so ask about flood
Home and Auto Insurance in Holiday, FL
Holiday is in the southwest corner of Pasco County, on US-19 between New Port Richey and Tarpon Springs. The west side reaches the Gulf and the Anclote River.
I don’t just send a quote and disappear. I’m a licensed independent broker, so I compare companies for you and explain the differences in plain English.
FL License #G193830
Based in Hudson
Homeowners insurance
Homeowners insurance in Holiday
Two things come up most in Holiday. If you’re on the west side near the water or on a canal, it’s flood insurance. If your home is older, it’s inspections, because the company will want to see the roof, plumbing and electrical. Sometimes it’s both. Send me the address and the year the house was built and I’ll tell you what to expect.
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.
A ballpark on home insurance
Around here, the average homeowners policy has come in near $4,100 a year, and most fall between $2,420 and $5,200.
Averages come from quotes in the area over the past 36 months. Treat them as a rough guide until I run yours.
Auto insurance
Auto insurance in Holiday
US-19 is the main road, and a lot of people here cross into Pinellas every day for work. If your commute changes or you move, let me know so your policy stays right.
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
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).
These numbers are averages from area quotes over the past 36 months, not a quote for you. Your price depends on your details.
Flood and sinkhole
Flood and sinkholes in Holiday
The first thing to know in Holiday: flood isn’t part of a homeowners policy. It’s a separate policy, and if you have a mortgage on a home in a high-risk flood zone, the lender will usually insist on it.
Your flood zone depends on your exact address. FEMA’s flood map site will show it, or I can pull it for you. Plan ahead, too. National Flood Insurance Program policies usually take 30 days to start, so buying one the week of a storm won’t help.
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.
Holiday questions, answered
Are you actually in Holiday?
My home base is Hudson, not Holiday. Everything can be done by phone, text, email or online, and that’s how most of my clients work with me.
Can you do both my home and my car?
Yes. I quote both. Sometimes putting them with the same company saves money and sometimes two different companies come out better, so I check it both ways.
Is flood insurance required in Holiday?
It’s usually the lender who requires it, for homes in high-risk flood zones. If you own the home outright it’s up to you. Either way, your home policy won’t pay for flood damage.
My roof is getting old. Can I still get home insurance?
A lot of the time, yes. It depends on the company and the type of roof, and Florida law limits when a company can turn you down just because of the roof’s age. Tell me what year it was replaced and I’ll tell you where you stand.
What should I have ready?
Driver and vehicle info for auto. For home, the address, year built, roof year and any wind mitigation or four-point reports. Don’t worry if you’re missing something. I’ll work with what you have.
From my Learning Center
- Wind Mitigation and Homeowners Insurance
- Water Damage, Plumbing, and Older Homes
- Does Homeowners Insurance Cover Flooding?
- Why Is My Hurricane Deductible So High?
- 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 · Shady Hills · Aripeka · New Port Richey · Spring Hill · Jasmine Estates · Trinity · Land O’ Lakes · Odessa · Tarpon Springs · Brooksville · Weeki Wachee · Lutz · Hudson · All areas
This page is general information. What you can get, and what it costs, depends on the company and your situation.
Have a question? Just ask.
Call me or send a quote request. You’ll hear back from a real person.