Home and Auto Insurance in Hudson, FL

A big part of Hudson sits west of US-19, on canals that run out to the Gulf. If that’s you, flood insurance and your hurricane deductible are going to be a real part of the conversation. If you’re east of US-19, surge is less of a worry, but wind still is, and your roof still matters. Either way I’ll look up your address before I guess.

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.

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.

More about homeowners insurance in Hudson

If you live in Hudson, you drive US-19. There’s no getting around it, and it’s not a road where you want to find out your coverage was thinner than you thought. I’ll show you what the state minimum really pays for and what the next step up costs.

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

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.

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 in Hudson

Homeowners insurance doesn’t cover flood. Around Hudson, 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.

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.

• Water Damage, Plumbing, and Older Homes
• How Much Should Your Home Be Insured For?
• 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

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

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