downtown, the river, and everything between
Home and Auto Insurance in New Port Richey, FL
New Port Richey is the biggest city in west Pasco, south of Hudson on US-19. The Cotee River runs right through downtown on its way to the Gulf.
I’m a licensed independent insurance broker. That means I can shop more than one company for you, explain what you’re actually buying, and stick around after the quote.
FL License #G193830
Based in Hudson
Homeowners insurance
Homeowners insurance in New Port Richey
Where you are in New Port Richey changes the conversation. Near the river or west of US-19, flood zones come up more often. If your home is older, the company will probably want a four-point inspection and the age of your roof. If it’s newer, you likely have more choices. I’ll figure out which applies to you before I start quoting.
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.
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.
Auto insurance
Auto insurance in New Port Richey
US-19, Main Street and the roads heading east all stay busy. I put the options side by side so you can see what each level of coverage costs and pick the one you’re comfortable with.
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
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.
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.
Flood and sinkhole
What about flood and sinkholes in New Port Richey?
The first thing to know in New Port Richey: 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.
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.
What people in New Port Richey ask me
Do you have an office in New Port Richey?
No. I’m based in Hudson. I work with people in New Port Richey 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.
My rate went up. Can you help?
That’s most of what I do. Send me your current policy and I’ll shop it against the companies I work with. I can’t promise it’ll come out lower, but you’ll know where you stand.
Can I switch before my renewal?
Yes, you don’t have to wait for renewal. I line up the dates so there’s no gap in coverage, and if you have a mortgage I make sure the lender gets the new policy.
How long does a quote take?
It depends on what I need to gather. Auto is usually quicker than home, because an older home may need inspection reports first. I’ll tell you up front what I’m waiting on.
Worth a read
- Home Insurance Discounts and Credits Worth Asking About
- Florida Home Insurance and Roof Age
- Does Homeowners Insurance Cover Flooding?
- Why Is My Hurricane Deductible So High?
- 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 · Spring Hill · Jasmine Estates · Holiday · 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.