# Chris Chase Insurance

> Florida auto, home and business insurance


## Posts

- [Insuring a Rental Property in Florida: What Landlords Should Know](https://chasefloridainsurance.com/insuring-a-rental-property-in-florida/): A rental home needs a landlord policy, not a homeowners policy. I cover how dwelling policies work in Florida, what they leave out, and what they've cost in the area.
- [How Past Claims Affect Your Home Insurance](https://chasefloridainsurance.com/how-past-claims-affect-home-insurance/): Past claims follow both you and the house. A look at how insurance companies read claim history in Florida, what the law protects, and how to decide whether to file.
- [Seasonal Homes, Rentals, LLCs, and Trusts](https://chasefloridainsurance.com/seasonal-homes-rentals-llcs-and-trusts/): Snowbird homes, part-time rentals and homes owned by an LLC or trust do not fit the standard homeowners box. Each one gets insured a little differently in Florida.
- [Electrical Panels, Wiring, and Home Insurance](https://chasefloridainsurance.com/electrical-panels-wiring-and-home-insurance/): Older panels and wiring are one of the most common reasons a Florida home has trouble getting insured. Find out what gets flagged and what you can do about it.
- [Pools, Trampolines, Dogs, and Your Home Insurance](https://chasefloridainsurance.com/pools-trampolines-dogs-and-liability/): Pools, trampolines and dogs are the three things most likely to change your liability coverage. I go over what Florida law says and what insurance companies ask.
- [Buying a Home in Florida: Your Insurance Timeline](https://chasefloridainsurance.com/buying-a-home-in-florida-insurance-timeline/): When to start shopping, which inspections to order and who pays for them, the flood waiting period exception for buyers, and the deadlines that can hold up a closing.
- [How Much Should Your Home Be Insured For?](https://chasefloridainsurance.com/how-much-to-insure-your-home-for/): Why the number on your policy isn't your purchase price, what Florida law says about replacement cost and building-code coverage, and what each coverage amount has cost in the area.
- [Solar Panels and Home Insurance in Florida](https://chasefloridainsurance.com/solar-panels-and-home-insurance/): Whether your panels are covered, what insurers ask about, what Florida law says about HOAs and utility insurance requirements, and what to do before you install.
- [Shingle, Tile, Metal, or Flat: How Your Roof Type Affects Insurance](https://chasefloridainsurance.com/roof-type-and-home-insurance/): Insurance companies treat shingle, tile, metal, and flat roofs very differently as they age. There's a general pattern, and shape, layers, and solar panels all add to it.
- [Florida's State-Backed Home Insurer: When It's an Option](https://chasefloridainsurance.com/citizens-insurance-in-florida/): Citizens is Florida's state-backed insurer. Find out who qualifies under the 20% rule, what it requires, and what to check before you rely on it.
- [Home Insurance Rules That Surprise People](https://chasefloridainsurance.com/home-insurance-rules-that-surprise-people/): Lapses, cancellation rules, claim deadlines, credit, and the other fine print that affects whether and how a Florida home gets insured.
- [Water Damage, Plumbing, and Older Homes](https://chasefloridainsurance.com/water-damage-plumbing-and-older-homes/): Why water coverage gets limited on older Florida homes, what insurers ask about plumbing and water heaters, what Florida law protects, and what helps.
- [Home Insurance Discounts and Credits Worth Asking About](https://chasefloridainsurance.com/home-insurance-discounts-and-credits/): Roof shape, year built, leak detectors, gated communities, and the other credits Florida homeowners often miss, plus what Florida law requires insurers to offer.
- [Car Insurance Rules That Surprise People](https://chasefloridainsurance.com/car-insurance-rules-that-surprise-people/): Leased cars, older vehicles, rideshare, storms, cancellations, and other fine print that's better to know before you need it.
- [Insuring Teen, Permit, and New Drivers](https://chasefloridainsurance.com/insuring-teen-permit-and-new-drivers/): Who has to be listed on your policy, what a learner's permit means for your rate, which discounts help, and what to tell your agent before your teen drives.
- [SR-22 and FR-44 in Florida: What to Know Before You Call](https://chasefloridainsurance.com/sr-22-and-fr-44-in-florida/): What these filings are, what Florida law requires for each, what to have ready, and the rules that catch people off guard.
- [Car Insurance Discounts Worth Asking About](https://chasefloridainsurance.com/car-insurance-discounts-worth-asking-about/): Quoting early, bundling, student discounts, memberships, and the paperwork deadlines that decide whether you keep a discount.
- [Florida Home Insurance and Roof Age](https://chasefloridainsurance.com/florida-home-insurance-and-roof-age/): Why insurance companies care so much about your roof, what Florida's 15-year roof rule does for you, and how an older roof gets paid at claim time.
- [Wind Mitigation and Homeowners Insurance](https://chasefloridainsurance.com/wind-mitigation-and-homeowners-insurance/): What a wind mitigation inspection records, the discounts Florida law requires insurers to offer, the 2026 form change, and how to get one.
- [Four-Point Inspections and Home Insurance](https://chasefloridainsurance.com/four-point-inspections-and-home-insurance/): What a four-point inspection covers, when insurance companies ask for one, what they look for in each system, and what happens if it turns something up.
- [Does Homeowners Insurance Cover Flooding?](https://chasefloridainsurance.com/does-homeowners-insurance-cover-flooding/): Homeowners insurance doesn't cover flood. Learn what counts as a flood, how the 30-day waiting period works, and what a flood policy covers.
- [Why Is My Hurricane Deductible So High?](https://chasefloridainsurance.com/why-is-my-hurricane-deductible-so-high/): Your hurricane deductible is usually a percentage of your dwelling coverage. Here's the math, when it applies under Florida law, and what happens with a second storm.
- [Why Did My Car Insurance Go Up?](https://chasefloridainsurance.com/why-did-my-car-insurance-go-up/): No ticket, no accident, and the renewal still went up. Here are the reasons I see most, what the state lets insurers do, and what you can do about it.
- [How to Lower Car Insurance Costs](https://chasefloridainsurance.com/how-to-lower-car-insurance-costs/): Practical ways to bring your car insurance bill down, what each one costs you in protection, and the cuts that can backfire.
- [Florida Car Insurance Requirements](https://chasefloridainsurance.com/florida-car-insurance-requirements/): What Florida requires on a registered vehicle, what each required coverage actually pays, what's optional, and what happens if coverage lapses.
- [What Does "Full Coverage" Really Mean?](https://chasefloridainsurance.com/what-does-full-coverage-mean/): "Full coverage" isn't an official term. I break down what people usually mean by it, what each coverage pays, and what it can leave out.
- [Can I Switch Insurance Companies Before My Policy Expires?](https://chasefloridainsurance.com/switching-insurance-companies/): Yes, you can usually switch before your renewal date. You can, and this explains how refunds work in Florida and how to switch without leaving a gap.
- [What You Need for an Insurance Quote](https://chasefloridainsurance.com/what-you-need-for-an-insurance-quote/): A checklist of what to have ready before you ask for an auto, home, or business insurance quote, and why each item matters.

## Pages

- [Insurance](https://chasefloridainsurance.com/insurance/): Every kind of insurance Chris Chase helps with, on one page.
- [Mobile Home Insurance](https://chasefloridainsurance.com/mobile-home-insurance/): A mobile home isn't insured like a regular house. I'll help you understand the policy, check the wind details, and shop the companies that will look at your home.
- [Restaurant Insurance](https://chasefloridainsurance.com/restaurant-insurance/): Running a restaurant means busy floors, hot kitchens and long hours. I'm Chris, and I can help you talk through your coverage.
- [Interior Designer Insurance](https://chasefloridainsurance.com/interior-designer-insurance/): You change how a home or office looks and feels. I'm Chris, and I can help you go over the coverage that fits how you work.
- [Locksmith Insurance](https://chasefloridainsurance.com/locksmith-insurance/): You open doors, change locks and cut keys, often in someone's home or car. I'm Chris, and I can help you look at your options.
- [Property Preservation Insurance](https://chasefloridainsurance.com/property-preservation-insurance/): You secure, clean out and maintain vacant or foreclosed homes for banks and asset managers. I'm Chris, and I can help you sort out your coverage.
- [Pest Control Insurance](https://chasefloridainsurance.com/pest-control-insurance/): I'm Chris, an independent broker in Hudson, Florida. I help pest control owners look at liability, workers' comp and vehicle and equipment coverage.
- [Cleaning Business Insurance](https://chasefloridainsurance.com/cleaning-business-insurance/): I'm Chris, an independent broker in Hudson, Florida. I help house cleaners and janitorial companies look at liability, workers' comp and property coverage.
- [Carpet Cleaning Insurance](https://chasefloridainsurance.com/carpet-cleaning-insurance/): I'm Chris, an independent broker in Hudson, Florida. I help carpet cleaners compare general liability, workers' comp and coverage for expensive cleaning equipment.
- [Window Cleaning Insurance](https://chasefloridainsurance.com/window-cleaning-insurance/): I'm Chris, an independent broker in Hudson, Florida. I help window cleaners look at general liability, workers' comp and equipment coverage.
- [Pressure Washing Insurance](https://chasefloridainsurance.com/pressure-washing-insurance/): A strong spray can clean a driveway or ruin a window. I'm Chris, and I can help you sort out your options.
- [Tree Service Insurance](https://chasefloridainsurance.com/tree-service-insurance/): Cutting, trimming and removing trees is hard, risky work. I'm Chris, and I can help you sort out your options.
- [Roofing Contractor Insurance](https://chasefloridainsurance.com/roofing-contractor-insurance/): Roofing means work at heights and weather you can't control. I'm Chris, and I can help you sort out your options.
- [Drywall Contractor Insurance](https://chasefloridainsurance.com/drywall-contractor-insurance/): Hanging, taping and finishing leaves a lot of room for dust, damage and injuries. I'm Chris, and I can help you sort out your options.
- [Handyman Insurance](https://chasefloridainsurance.com/handyman-insurance/): Handyman work is a little of everything. I'm Chris, and I can help you sort out your options.
- [Medicare](https://chasefloridainsurance.com/medicare/): turning 65? start here Turning 65, or rethinking your Medicare plan? Medicare has parts, deadlines and a lot of mail. I’ll explain how the pieces fit together and what to look at before you choose a plan. FL License #G193830 Call, text or email The parts of Medicare Part A: hospital Covers inpatient hospital stays, […]
- [Hudson Homeowners Insurance](https://chasefloridainsurance.com/hudson-homeowners-insurance/): 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 […]
- [Hudson Auto Insurance](https://chasefloridainsurance.com/hudson-auto-insurance/): car insurance, close to home Car insurance in Hudson, from someone who works here Renewal coming up or wondering whether your current policy still fits? I’m Chris, an independent insurance broker based in Hudson. I’ll compare the options available to me and explain differences in coverage, deductibles and price. New to Florida or buying your […]
- [Landlord Insurance](https://chasefloridainsurance.com/landlord-insurance/): renting it out changes the policy Landlord insurance for the home you rent out A home you rent out isn’t a regular homeowners risk. It needs a landlord policy, and the details vary a lot by company. FL License #G193830 Call, text or email The basics The right policy type Often a dwelling fire policy, […]
- [Condo Insurance (HO-6)](https://chasefloridainsurance.com/condo-insurance/): know where the association stops Condo insurance, and where the association’s coverage stops Your condo association insures the building. You insure what’s inside your walls and what you’re responsible for. The tricky part is the line between the two. FL License #G193830 Call, text or email The basics The master policy Your association carries it […]
- [Renters Insurance](https://chasefloridainsurance.com/renters-insurance/): your landlord’s policy isn’t yours Renters insurance, explained like a neighbor would Your landlord’s insurance covers the building. It doesn’t cover your stuff or your liability. I’ll help you find a renters policy that fits your place and your lease. FL License #G193830 Call, text or email The basics Your belongings Furniture, clothes, electronics and […]
- [Thank You](https://chasefloridainsurance.com/thank-you/): got it, thank you Thanks. I’ve got your request. I’ll reach out to you using the contact method you chose. I read every request myself. FL License #G193830 Call, text or email What happens next While you wait It helps to have a few things handy when we talk: Need it sooner? Give me a […]
- [Terms and Disclaimer](https://chasefloridainsurance.com/terms/): Terms Terms and Disclaimer Here’s what you can and can’t count on from this website. I’ve kept it short and plain. General information only What’s on this site is general information about insurance. It isn’t advice about your exact situation. It isn’t legal, tax or medical advice. If you need that kind of help, please […]
- [Health Insurance (ACA Marketplace)](https://chasefloridainsurance.com/health-insurance/): plans, in plain words Health insurance through the Marketplace, explained. Picking a health plan means comparing premiums, deductibles, networks and tax credits all at once. I’ll go through the options with you so you know what you’re signing up for. I don’t charge a fee to help you enroll. FL License #G193830 Call, text or […]
- [Motorcycle Insurance](https://chasefloridainsurance.com/motorcycle-insurance/): the bike, you, and whoever’s on the back Motorcycle insurance, set up for how you actually ride. A bike isn’t insured the same way a car is in Florida, and the rules surprise a lot of riders. I’ll shop it and explain what each coverage does before you pick. FL License #G193830 Call, text or […]
- [Flood Insurance](https://chasefloridainsurance.com/flood-insurance/): your home policy doesn’t cover this Your home policy doesn’t cover flood. This does. Flood is a separate policy, and in a lot of Florida it’s the one that matters most. I’ll look up your flood zone, price your options, and explain what you’d actually be covered for. FL License #G193830 Call, text or email […]
- [Home and Auto Insurance in Hudson, FL](https://chasefloridainsurance.com/areas-we-serve/hudson/): Home and auto insurance in Hudson, Florida from Chris Chase Insurance, a licensed independent brokerage based in Hudson.
- [Home and Auto Insurance in Lutz, FL](https://chasefloridainsurance.com/areas-we-serve/lutz/): Home and auto insurance in Lutz, Florida from Chris Chase Insurance, a licensed independent brokerage based in Hudson.
- [Home and Auto Insurance in Weeki Wachee, FL](https://chasefloridainsurance.com/areas-we-serve/weeki-wachee/): Home and auto insurance in Weeki Wachee, Florida from Chris Chase Insurance, a licensed independent brokerage based in Hudson.
- [Home and Auto Insurance in Brooksville, FL](https://chasefloridainsurance.com/areas-we-serve/brooksville/): Home and auto insurance in Brooksville, Florida from Chris Chase Insurance, a licensed independent brokerage based in Hudson.
- [Home and Auto Insurance in Tarpon Springs, FL](https://chasefloridainsurance.com/areas-we-serve/tarpon-springs/): Home and auto insurance in Tarpon Springs, Florida from Chris Chase Insurance, a licensed independent brokerage based in Hudson.
- [Home and Auto Insurance in Odessa, FL](https://chasefloridainsurance.com/areas-we-serve/odessa/): Home and auto insurance in Odessa, Florida from Chris Chase Insurance, a licensed independent brokerage based in Hudson.
- [Home and Auto Insurance in Land O' Lakes, FL](https://chasefloridainsurance.com/areas-we-serve/land-o-lakes/): Home and auto insurance in Land O' Lakes, Florida from Chris Chase Insurance, a licensed independent brokerage based in Hudson.
- [Home and Auto Insurance in Trinity, FL](https://chasefloridainsurance.com/areas-we-serve/trinity/): Home and auto insurance in Trinity, Florida from Chris Chase Insurance, a licensed independent brokerage based in Hudson.
- [Home and Auto Insurance in Holiday, FL](https://chasefloridainsurance.com/areas-we-serve/holiday/): Home and auto insurance in Holiday, Florida from Chris Chase Insurance, a licensed independent brokerage based in Hudson.
- [Home and Auto Insurance in Jasmine Estates, FL](https://chasefloridainsurance.com/areas-we-serve/jasmine-estates/): Home and auto insurance in Jasmine Estates, Florida from Chris Chase Insurance, a licensed independent brokerage based in Hudson.
- [Home and Auto Insurance in Spring Hill, FL](https://chasefloridainsurance.com/areas-we-serve/spring-hill/): Home and auto insurance in Spring Hill, Florida from Chris Chase Insurance, a licensed independent brokerage based in Hudson.
- [Home and Auto Insurance in New Port Richey, FL](https://chasefloridainsurance.com/areas-we-serve/new-port-richey/): Home and auto insurance in New Port Richey, Florida from Chris Chase Insurance, a licensed independent brokerage based in Hudson.
- [Home and Auto Insurance in Aripeka, FL](https://chasefloridainsurance.com/areas-we-serve/aripeka/): Home and auto insurance in Aripeka, Florida from Chris Chase Insurance, a licensed independent brokerage based in Hudson.
- [Home and Auto Insurance in Shady Hills, FL](https://chasefloridainsurance.com/areas-we-serve/shady-hills/): Home and auto insurance in Shady Hills, Florida from Chris Chase Insurance, a licensed independent brokerage based in Hudson.
- [Home and Auto Insurance in Port Richey, FL](https://chasefloridainsurance.com/areas-we-serve/port-richey/): Home and auto insurance in Port Richey, Florida from Chris Chase Insurance, a licensed independent brokerage based in Hudson.
- [Home and Auto Insurance in Bayonet Point, FL](https://chasefloridainsurance.com/areas-we-serve/bayonet-point/): Home and auto insurance in Bayonet Point, Florida from Chris Chase Insurance, a licensed independent brokerage based in Hudson.
- [Areas We Serve](https://chasefloridainsurance.com/areas-we-serve/): I’m based in Hudson Where in Florida are you? I’m based in Hudson and licensed for the whole state. Most of the people I work with live in Pasco County and the towns around it. Pick yours below and I’ll tell you what tends to come up there with home and auto insurance. Clear Pasco […]
- [Contact](https://chasefloridainsurance.com/contact/): call, text, or just ask Let’s talk Call, request a quote, or ask for a callback. However you reach out, you’ll hear back from a real person. FL License #G193830 Call, text or email Phone (813) 323-9481 Hours Monday to Friday: 8:00 AM to 8:00 PMSaturday: 8:00 AM to 1:00 PMSunday: Closed Location Chris Chase […]
- [Client Help](https://chasefloridainsurance.com/client-service/): after the policy is when it counts I’m still here after the policy is written Questions, changes, renewals, or a claim you don’t know how to start. Call me and I’ll point you the right way. FL License #G193830 Call, text or email What I can help with Policy questions and reviews Not sure what […]
- [Request a Quote](https://chasefloridainsurance.com/request-a-quote/): tell me what you need Tell me what you need Send me a few details or give me a call. I’ll review what you send and reach out by phone or email to go over your options. FL License #G193830 Call, text or email Send a request Call me Talk to me directly about auto, […]
- [Learning Center](https://chasefloridainsurance.com/learning-center/): ask me anything What are you trying to figure out? Plain answers to the questions Florida drivers and homeowners ask me most. Type a word, or pick a topic. Clear Auto insurance 8Home insurance 18Getting a quote 2 Try it yourself Read a home renewal line by line A sample renewal with each line explained […]
- [Meet Chris](https://chasefloridainsurance.com/about/): nice to meet you A real person behind your insurance I’m a licensed independent insurance broker based in Hudson, Florida, helping families and businesses across the state. Chris Chase · Florida License #G193830 · National Producer Number (NPN) 21407586 FL License #G193830 Call, text or email Hi, I’m Chris I got into insurance because I […]
- [Commercial Insurance](https://chasefloridainsurance.com/commercial-insurance/): for the folks who do the work Coverage for the business you’ve built I help Florida contractors and small businesses compare options for the core coverages most businesses need. FL License #G193830 Call, text or email Need proof of insurance for a job? A customer or general contractor asking for a certificate is one of […]
- [Homeowners Insurance](https://chasefloridainsurance.com/homeowners-insurance/): the roof matters more than you’d think Florida homeowners insurance, explained by Chris I help Florida homeowners compare insurance options and understand the coverage they are considering. We can discuss your roof, inspections, hurricane deductible and whether separate flood coverage is needed. I’m based in Hudson and help with new purchases, renewals and coverage questions. […]
- [Auto Insurance](https://chasefloridainsurance.com/auto-insurance/): what the state requires isn’t the whole story Florida auto insurance, explained by Chris I help Florida drivers compare auto insurance from the companies available to me. We can review coverage limits, deductibles and the details of your current policy together. I’m based in Hudson, and you can work with me by phone, text or […]
- [Home](https://chasefloridainsurance.com/): straight answers, from Hudson Home, auto and business insurance from Hudson, Florida I’m Chris Chase, an independent insurance broker based in Hudson, helping Florida families and small businesses compare the insurance companies available to me. Start with a quote request or call me to discuss a new policy, a renewal or coverage questions. Licensed in […]
- [Privacy Policy](https://chasefloridainsurance.com/privacy-policy/): Privacy Privacy Policy I’m Chris Chase, a licensed independent insurance broker in Hudson, Florida. This page explains in plain English what I collect through this website and what I do with it. What I collect This site has a request form and a contact form. When you fill one out, I collect what you type […]

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