Home and Auto Insurance in Trinity, FL

If your home is on the newer side, that usually works in your favor. Newer construction tends to do better on a wind mitigation inspection, and more companies are willing to write it. The thing to watch is the coverage amount. It should be based on what it’d cost to rebuild the house today, not what you paid for it.

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.

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. Every Florida home policy also carries a separate hurricane deductible, usually 2% to 10% of the dwelling limit, which you pay first on a hurricane claim.

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

State Road 54, Little Road and Trinity Boulevard handle most of the driving. If you’ve got more than one car in the driveway, I’ll price multi-car and home-and-auto together to see what works out better.

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

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.

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

People in Trinity 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.

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.

• 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?
• What Does “Full Coverage” Really Mean?
• Florida Car Insurance Requirements

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 · Land O’ Lakes · Odessa · Tarpon Springs · Brooksville · Weeki Wachee · Lutz · 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.