Homeowners Insurance in Hudson, Florida

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  • Homeowners Insurance in Hudson, Florida

At the westernmost end of Pasco County, Hudson is very exposed to hurricanes and tropical storms from the Gulf. Homeowners insurance is a valuable safety net that protects you and your family from these storms and whatever else life can throw at you.

Finding affordable coverage in Florida isn’t always easy, so we created this in-depth guide with information and tips about getting the best homeowners insurance in Hudson.

How Much Is Homeowners Insurance in Hudson, Florida?

The average cost of homeowners insurance in Hudson is about $3,461 annually on a $150,000 house, $6,183 on a $300,000 house, and $8,907 on a $450,000 house.

Hudson’s proximity to the Gulf contributes to costly insurance rates. Premiums in Hudson are likely higher than more inland cities in Pasco County, and rates in the area are about 13% higher than the state average.

The following table depicts average homeowners insurance premiums from some common companies in Hudson. 

Average Cost of Homeowners Insurance in Hudson 
Company $150,000 House $300,000 House $450,000 House
Allstate $2,098 $3,750 $5,404
Citizens $2,930 $5,223 $7,520
Florida Penn $3,044 $5,436 $7,832
Liberty Mutual $2,545 $4,540 $6,538
People’s Trust $3,698 $6,604 $9,513
Southern Oak $4,225 $7,564 $10,905
State Farm $5,505 $9,832 $14,165
Stillwater $1,592 $2,847 $4,102
Universal Property $3,513 $6,279 $9,047
Average $3,461 $6,183 $8,907
It’s Time to Switch Your Homeowners Insurance

We partner with the nation’s top homeowners insurance companies so you can get a custom policy at an affordable price.

Home insurance premiums rise as home value increases. Home value is crucial to insurance companies because it indicates how much it would cost to rebuild your house if needed. Carriers determine this number through your home’s replacement cost, which takes building materials and labor costs into account.

When we refer to home value in this article, we’re referring to a home’s replacement cost. Replacement cost isn’t the same as market value, which factors in land and location and is what your home would sell for on the market. 

There is a correlation; larger, more costly houses generally sell for more and cost more to rebuild. But, the two numbers aren’t equal.

In addition to home value, insurance companies also analyze home age. Older houses tend to have higher insurance premiums because 1) they have worn components and features that are more likely to fail and cause damage, and 2) they are more prone to damage during hurricanes and tropical storms since they’re not built to the latest building and safety codes. See premiums on $150,000 homes in Hudson in more detail below.

Cost of Homeowners Insurance on $150,000 House in Hudson 
Company Pre-2001 No Wind Pre-2001 w/Wind 2001-Present
Allstate $3,196 $1,602 $1,495
Citizens $3,484 $2,371 $2,934
Florida Penn $,154 $2,526 $2,451
Liberty Mutual $3,189 $2,060 $2,386
People’s Trust $5,064 $2,946 $3,085
Southern Oak $6,519 $3,740 $2,417
State Farm $6,817 $5,273 $4,424
Stillwater $2,118 $1,542 $1,117
Universal Property $5,703 $2,218 $2,619
Average $4,848 $2,775 $2,761

The premiums displayed in this article were obtained by the Florida Office of Insurance Regulation. They represent the most recent rate filings from the state’s largest insurers and can be utilized as an average of what Floridians can expect to pay for homeowners insurance each year. The example premiums are based on a policy for a Florida masonry home with a $500 non-hurricane deductible, a 2% hurricane deductible and no claims in the past three years.

Florida Office of Insurance Regulation Premium Consideration Factors
Home Construction Coverage Definition
*Wind Mitigation Any protection on your home that helps decrease the damage caused by strong winds like a hurricane. This can include certain roof attachments and coverings, extra water-resistant seals and impact-resistant doors and windows.
Pre-2001 Construction w/ No Wind Mitigation These premiums represent homes built before 2001 with no wind mitigation features.
Pre-2001 Construction w/ Wind Mitigation These premiums represent homes built before 2001 with maximum wind mitigation features.
2001-Present Construction These premiums represent homes with limited wind mitigation features and no hip roof built from 2001, when Florida redesigned its building codes and mandated that new construction withstand hurricane-force winds better. 

Wind mitigation is another critical factor in home insurance rates in Florida. As you can see, it reduced Hudson homeowners insurance costs by over $2,000 annually on older homes in the above category, amounting to savings of 43% annually. Look at the numbers for houses worth $300,000 below.

Cost of Homeowners Insurance on $300,000 House in Hudson 
Company Pre-2001 No Wind Pre-2001 w/Wind 2001-Present
Allstate $5,753 $2,884 $2,613
Citizens $6,271 $4,268 $5,130
Florida Penn $7,477 $4,547 $4,285
Liberty Mutual $5,740 $3,708 $4,172
People’s Trust $9,115 $5,303 $5,394
Southern Oak $11,734 $6,732 $4,225
State Farm $12,271 $9,491 $7,734
Stillwater $3,812 $2,776 $1,952
Universal Property $10,265 $3,992 $4,578
Average $8,726 $4,995 $4,828

Wind mitigation still produced significant savings, while newer houses had the lowest average premiums of the three categories. New homes always have some extent of wind mitigation built in, such as hurricane windows. Observe average premiums on $450,000 homes in Hudson below.

Cost of Homeowners Insurance on $450,000 House in Hudson 
Company Pre-2001 No Wind Pre-2001 w/Wind 2001-Present
Allstate $8,310 $4,165 $3,737
Citizens $9,058 $6,165 $7,336
Florida Penn $10,800 $6,568 $6,128
Liberty Mutual $8,291 $5,356 $5,966
People’s Trust $13,166 $7,660 $7,713
Southern Oak $16,949 $9,724 $6,042
State Farm $17,724 $13,710 $11,060
Stillwater $5,507 $4,009 $2,791
Universal Property $14,828 $5,767 $6,547
Average $12,604 $7,214 $6,903
It’s Time to Switch Your Homeowners Insurance

We partner with the nation’s top homeowners insurance companies so you can get a custom policy at an affordable price.

Companies With Cheap Homeowners Insurance in Hudson, Florida

In most cases, Stillwater has the cheapest homeowners insurance in Hudson. But, while this is true on average, it may not be the case for your circumstances. You won’t know which company has the best rates for your situation until you get quotes, as each policyholder differs.

While not as well-known as other nationwide providers, such as the second-most affordable carrier, Allstate, Stillwater Insurance Group serves all 50 states with multiple insurance products. They’re headquartered in Jacksonville. 

While our list isn’t exhaustive, it includes a mix of large-scale and smaller regional providers. It also includes Florida’s two largest home insurers, Citizens and Universal Property & Casualty. You should get quotes from a range of companies when looking for coverage.

Home insurance plans can look different home by home. Your exact rates will depend on many factors, both personal and property-related. You’ll need to get several quotes to find the best deal.

Hudson Homeowners Insurance Coverages

The most common type of homeowners insurance is called the HO3 form, which protects you from over a dozen perils, also known as damage sources. Every HO3 policy contains the same coverages:

Hudson Homeowners Insurance Coverages
Coverage Definition
Dwelling Coverage Dwelling coverage financially protects your home’s structure and components, like the roof, wall, floor, foundation, and more.
Other Structures Coverage Other structures coverage guards fixtures on your property that aren’t attached to the main house, such as fences, sheds, detached garages, and pools.
Personal Property Coverage Personal property coverage protects your belongings, including furniture, clothing, electronics, tools, jewelry, and more.
Loss of Use Coverage Loss of use coverage covers living expenses, such as groceries and lodging, if your home becomes uninhabitable after damage from a covered peril.
Liability Coverage Liability coverage offers protection if you’re found legally responsible for injury or damage to someone else by covering legal fees, medical bills, and more.
Medical Payments Coverage Medical payments coverage helps pay for medical expenses if someone suffers a minor injury, regardless of fault.

How to Get the Best Homeowners Insurance in Hudson, Florida

The best homeowners insurance in Hudson will differ by person. The best plan will cover your specific coverage needs at an affordable rate. To find such a policy, you’ll need to adjust your policy details and shop around for the best price.

Identify Coverage Needs

When getting homeowners insurance, you’re responsible for setting many of your coverage limits. Providers recommend some limits, but you can change them to suit your needs better.

For instance, you should make a home inventory to determine the amount of personal property coverage you need. A list will value your items and give you an exact number you need to set your personal property limit to ensure you’re not overpaying for unneeded coverage while not underinsuring yourself.

You should also note exclusions in your policy and consider remedying coverage gaps with endorsements or riders. Some items or risks are excluded under standard coverage. You may be able to supplement your plan with optional coverage called an endorsement for full protection at an added cost.

For example, jewelry and art are usually only covered up to $2,500 or $5,000 under standard policies. If you have valuable pieces, consider getting a scheduled personal property endorsement that will fully protect your valuables that are worth more than this sub-limit. 

You can get endorsements for home-based businesses, water backup, inflation guards, and more. Also, don’t set and forget your plan. Revisit your policy every so often to reflect changes, especially if you make home renovations. You may also be able to drop unneeded coverage or endorsements in the future to save money.

Shop Around

Price is the primary concern of most people when looking for Hudson home insurance. Once you know the coverage you need in your plan, you should shop around and compare rates to find the best deal

Comparing policy premiums from several providers is the best way to save on insurance. Don’t settle for the first quote you get. Another carrier may have lower premiums, cheaper endorsements, or more discounts.

You can also gauge other factors besides prices, such as customer service or website navigability.  You can also enlist the help of a home insurance agency in Hudson, Florida, for local expertise. And knowledge.

What to Know About Flood Insurance in Hudson

Homeowners insurance covers damage from multiple perils, from fire to hurricanes to theft. But, your policy won’t come to your aid if you experience flooding. 

Floods are the most common and costly natural disaster in the country. Homeowners insurance normally never covers flood damage; many policyholders don’t realize this until it’s too late. If policies were to cover floods, home insurance premiums would be even higher in Florida than they currently are.

Hurricane Idalia caused flooding in Hudson in 2023. Coastal properties are especially at risk from damage from storm surges after hurricanes and tropical storms. And, all properties in Florida are at risk of inland flash flooding after heavy rains due to the low-lying geography and plentiful water bodies throughout the state.

You should think about flood insurance in Hudson, Florida to protect your home and belongings from possible flooding – it could pay off sooner than you think.

Stay Above Water With Flood Insurance

Do you want to pay for costly and common flood damage yourself or have an insurance policy pick up the tab?

Cost Factors of Home Insurance in Hudson

The cost of home insurance in Hudson is influenced by many factors, from your property characteristics to your policy details.

Property features that affect your premium include:

  • Age
  • Size
  • Location
  • Building materials

Larger homes need more coverage and thus pay higher premiums. Older houses with wear and tear and outdated components are more prone to damage, and insurance companies charge higher premiums to offset this risk. 

Alternatively, homes close to fire hydrants or stations can receive a discount. And, masonry homes tend to have lower premiums than frame homes due to fire and concrete being more resistant to wind and fire damage than wooden frames.

Policy features that affect your premium include:

  • Coverage limits
  • Deductibles
  • Endorsements
  • Discounts

Choosing higher coverage limits or opting for endorsements will increase the overall cost of your Hudson property insurance policy. Conversely, raising your deductible and qualifying for discounts can reduce your premiums.

Is Home Insurance Required in Hudson?

While no law requires homeowners insurance in Hudson, mortgage lenders make borrowers carry home insurance while they have a mortgage. Lenders mandate home insurance to protect their investment in your home.

If you fail to maintain the required homeowners insurance as stipulated in your mortgage, they have the right to “force-place” insurance on your property. The cost of force-placed insurance is typically higher than what you would pay for a standard policy, and it usually only provides limited coverage.

We strongly recommend you get your own policy that meets your needs and not miss payments to avoid force-placed coverage.

How to Get Home Insurance Quotes in Hudson

There’s a lot to keep track of when quoting. If you want help simplifying the process, don’t hesitate to reach out to our team at Clovered, an independent insurance agency based in Florida.

We have two main ways to help you with your homeowners insurance quotes in Hudson. Use our proprietary quoting tool to compare rates and find the right coverage completely online.

Or, if you’d rather speak with a licensed agent for help with your quote, call us at 833-255-4117 during business hours. You can also email us at agent@clovered.com with any questions.

Homeowners
It's Time to Switch Your Homeowners Insurance

We partner with the nation's top homeowners insurance companies so you can get a custom policy at an affordable price.

The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.

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