where Pasco meets Hillsborough
Home and Auto Insurance in Lutz, FL
Lutz is southeast of Hudson along US-41. Most of it’s in northern Hillsborough County, and it reaches up into Pasco.
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 Lutz
Lutz is inland with lakes all over. If your home is older, the company is going to look hard at the roof and the main systems. If you’re on a lake, flooding from heavy rain is worth a conversation, because a homeowners policy doesn’t cover it. I’ll look at your address and tell you what I see.
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.
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.
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 Lutz
US-41 and Dale Mabry carry most of the traffic, and a lot of people here commute into Tampa. I look at your liability and uninsured motorist limits with that drive in mind.
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
Six months of liability-only coverage on one vehicle has averaged about $1,420 in the area, usually somewhere from $700 to $1,680. With full coverage, the average is about $2,380, usually $1,370 to $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 Lutz
People in Lutz 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.
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.
Common questions from Lutz
Do you have an office in Lutz?
No. I’m based in Hudson. I work with people in Lutz by phone, text, email and online, so you don’t have to drive anywhere to get a quote or make a change.
Should I bundle home and auto?
Maybe. Bundling helps with some companies and not with others. I price it together and apart and show you both.
Do I need flood insurance in Lutz?
It depends on your address. Lenders usually only require it in high-risk flood zones. But homeowners insurance doesn’t cover flood anywhere, so it’s worth getting a price even when it’s optional.
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.
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?
- Car Insurance Discounts Worth Asking About
- How to Lower Car Insurance Costs
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 · 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.