home insurance, close to home
Home insurance in Hudson, from a broker based right here
I’m Chris, an independent broker based right here in Hudson. A home policy here comes with a few Gulf coast questions, and I’ll walk you through them in plain English.
Start with your contact details and coverage choice. Chris will follow up to gather the information needed for your quote.
FL License #G193830
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What clients say on Google
Rating checked October 11, 2026. Selected reviews shown below.
Request a quoteAwesome coverage! This young man able to assist my family with health and auto insurance and we are -WELL PLEASED! Thanks Chris
Chris helped us find the perfect coverage for our social club
The basics
Water west of US-19
Much of Hudson west of US-19 sits on canals that lead to the Gulf. Homeowners insurance doesn’t cover flood, so that matters.
Roof age counts
The age and type of your roof affects which companies will offer you a policy at all.
Hurricane deductible
It’s usually a percentage of your dwelling coverage, not a flat dollar amount. In Florida it applies once per calendar year.
Inspections help
Older homes usually need a four-point inspection. A wind mitigation inspection can earn you credits.
On the canals or inland, it changes the conversation
Hudson is in northwest Pasco County on the Gulf of Mexico, and the canals west of US-19 are part of daily life for many homeowners. So the first thing I look at is your address.
Flood zones are set address by address. A lender usually requires flood insurance on a mortgaged home in a high-risk flood zone. Your homeowners policy won’t pay for flood, so that needs its own policy.
A National Flood Insurance Program policy usually has a 30-day waiting period. Don’t wait for a storm to show up on the radar to ask about it.
Inland doesn’t mean the question goes away. It just changes the conversation. I’d rather talk it through with you than guess.
What home insurance has been running around Hudson
Homeowners policies in the area have averaged about $4,100 a year, with most between $2,420 and $5,200. Those are averages from quotes in the area over the past 36 months, not a quote for your home.
What you’d pay depends on the company, and companies often see the same house differently.
What decides your price
- The age and type of your roof
- The year your home was built
- Your hurricane deductible choice
- Wind mitigation features and inspection results
- Your coverage amounts
- Which company you’re quoted with
How to request a Hudson homeowners insurance quote
Send what you have. We can fill in the rest together.
- Your property address
- The year the home was built
- The year the roof was installed
- Any inspection reports you have
- Your closing date, if you’re buying
Worth a read
If your roof is on your mind, see Florida home insurance and roof age. Confused by that deductible? Read why is my hurricane deductible so high. Near the water, start with flood insurance. For credits, there’s wind mitigation and homeowners insurance. The overview is on the homeowners insurance page.
Questions I get
Does homeowners insurance cover flood?
No. Flood needs a separate policy.
How do I know my flood zone?
Flood zones are set address by address. The FEMA map tool linked below lets you look up an address, and I can help you read it.
Is there a waiting period for flood insurance?
An NFIP policy usually has a 30-day waiting period.
Why is my hurricane deductible a percentage?
It’s usually a percentage of your dwelling coverage. In Florida it applies once per calendar year.
What’s a wind mitigation inspection?
It’s an inspection of features that help your home stand up to wind. It can earn credits that Florida law requires companies to give.
Official sources
Price figures are averages from area quotes over the past 36 months. They are not a quote, and what’s available varies by company. Chris Chase Insurance is licensed in Florida only.
Buying a home or reviewing a renewal in Hudson?
Buying a home? Start with the property address, closing date and any inspection reports you have. Tell me what your lender has requested. I can explain which details the available insurance companies need and help you work through the quote process.
For a renewal or non-renewal, have your declarations page, the notice and the relevant dates ready. We can discuss your roof information, available inspection reports, deductibles and coverage options. Availability and timing depend on the property and the insurance company.
Work directly with Chris Chase
Chris is an independent insurance broker based in Hudson, Florida. He compares the insurance companies available to him, explains the options and stays available for policy questions and renewals.
Florida License #G193830 · NPN 21407586. Meet Chris and learn how he works.
Page updated October 29, 2026.
Have a question? Just ask.
Call me or send a quote request. You’ll hear back from a real person.