Homeowners Insurance in Zephyrhills, Florida

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  • Homeowners Insurance in Zephyrhills, Florida

Zephyrhills is one of the fastest-growing cities in Pasco County, thanks to its greenery and sunshine. As homes in Zephyrhills become more valuable, you should take special note of protecting your property. The right homeowners insurance plan financially guards your property, so you don’t have to worry.

We created this guide to help residents secure the best coverage. Keep reading to learn average rates, cost factors, and more about Zephyrhills homeowners insurance.

How Much Is Homeowners Insurance in Zephyrhills, Florida?

The average cost of homeowners insurance in Zephyrhills is $3,461 annually on a $150,000 house, $6,183 on a $300,000 house, and $8,907 on a $450,000 house. But, keep in mind that rates vary by person and company.

Florida’s home insurance rates are among the highest in the nation, mostly because of Florida’s skyrocketing property values and significant risk of hurricane damage statewide.

Average premiums in Zephyrhills are likely lower than coastal cities in Pasco County, but the area still has rates that are above average compared to the rest of the state.

The table below lists premiums from some top home insurance companies in Zephyrhills, classified by home value.

Average Cost of Homeowners Insurance in Zephyrhills 
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 values are one of the primary determinants of insurance rates. The more costly your home is, the more insurance you’ll need to cover it. When we refer to home value, we’re generally referring to a home’s replacement cost, which is the amount of money it would take to rebuild it based on materials and labor costs. This is normally what insurance companies use, and it doesn’t equate to the market value.

For a more detailed look at home insurance in Zephyrhills, start by looking at average rates on $150,000 homes. You’ll notice two more factors affecting premiums: home age and wind mitigation. Read on for more information.

Cost of Homeowners Insurance on $150,000 House in Zephyrhills 
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 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. 

New houses had the lowest rates in most cases. For older homes, wind mitigation reduced premiums by about 43%, demonstrating Florida insurers’ concerns about hurricanes. See how average homeowners insurance rates in Zephyrhills shape up for $300,000 homes below.

Cost of Homeowners Insurance on $300,000 House in Zephyrhills 
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 continued to cut premiums substantially on older homes. The final table illustrates premiums on $450,000 homes with similar trends.

Cost of Homeowners Insurance on $450,000 House in Zephyrhills 
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 Zephyrhills

In most cases, Stillwater and Allstate had the cheapest homeowners insurance in Zephyrhills on our list. However, you won’t know which company is the most affordable option for you until you get quotes. Many factors affect premiums, causing rates to vary by person and location and making it hard to know which companies have the cheapest policies before evaluating your circumstances.

Stillwater and Allstate regularly had premiums that were thousands of dollars lower than other companies on our list, although the gap narrowed on homes with wind mitigation built before 2001. But, that doesn’t mean you can’t find affordable coverage from other carriers.

Companies consider many factors about you and your property to calculate premiums, so you should shop around to ensure you find the best deal.

Zephyrhills Homeowners Insurance Coverages

The coverages in a standard home insurance policy typically remain the same regardless of which company you get your plan from. The coverage areas in a Zephyrhills home insurance policy are divided as follows:

Zephyrhills Homeowners Insurance Coverages
Coverage Definition
Dwelling Coverage Dwelling coverage in homeowners insurance financially protects your home’s structure and physical components, including the roof, walls, windows, floors, foundation, balconies, pipes, water heater, and more.
Other Structures Coverage Other structures coverage is designed to cover features on your property unattached to your main house, such as sheds, fences, pools, gazebos, carports, detached garages, and more.
Personal Property Coverage Personal property coverage guards your belongings, including furniture, clothes, electronics, jewelry, art, tools, bicycles, and more.
Loss of Use Coverage Loss of use coverage covers living expenses if you’re forced to move out of your house after it suffers covered damage. Your insurance company can pick up your bills for lodging, groceries, gas, and more while you’re displaced. 
Liability Coverage Liability coverage helps pay for medical bills and legal fees if you’re found liable for someone’s injury in a lawsuit, like if someone slips and falls on your property or your dog bites someone.
Medical Payments Coverage Medical payments coverage covers minor injuries someone can suffer, regardless of fault.

How to Get the Best Homeowners Insurance in Zephyrhills

The best homeowners insurance in Zephyrhills covers your property and liability sufficiently at a price you can afford. The specifics of this protection will vary by person, so it’s crucial you understand what makes a good policy and how you can secure this plan by shopping around.

Understand Your Coverage

Know what and how your policy covers, and seek out endorsements if you need additional coverage. Regular home insurance policies cover over a dozen possible sources of damage, called perils. Typical perils include fire, theft, hurricanes, and water damage. Plans protect many areas of your house from these damages, but there are limitations and restrictions.

For instance, policies won’t cover business-related items in your homes from damage, which is notable if you run a business out of your house. Home insurance also limits coverage of valuables like art, jewelry, and memorabilia. If the cost of these items exceeds $2,500 or $5,000, you won’t receive their full value. Also, recognize when your plan covers the replacement cost of items or the actual cash value of items, which accounts for depreciation.

So, be aware of your coverage needs and purchase optional coverages, called endorsements, if needed. You can get endorsements for home-based businesses, equipment breakdown, water backup, and inflation guards.

Set Your Limits

You also need to decide the limits you want in your policy. Setting the right coverage limits accomplishes two goals: 1) having enough coverage to guard your belongings fully and 2) avoiding overpaying for surplus coverage you don’t need.

Conducting and maintaining a home inventory will help you set the precise amount of personal property coverage you need. Track all your items and their values; the total value is the number you can set your personal property limit.

You can ensure your dwelling and other strictures limits are sufficient by reviewing your policy periodically, especially if you’ve recently renovated or made a major home addition. 

You always want to make sure you have enough liability coverage to account for all your assets. Most insurers require at least $100,000 in liability limits, but we usually recommend at least $300,000 to be safe. You can increase your limits up to $1 million if needed.

Look For Discounts

Once you know the parameters you need in your policy, you can shop around to find the best rates. And, look for discounts at every insurance company for which you can qualify. You can also adjust your deductible to save on premiums.

Getting quotes from several carriers allows you to see who has the cheapest home insurance in Zephyrhills that still satisfies your coverage needs. You should also look for specific discounts. Many companies offer discounts based on new construction, home security systems, claims-free status, military status, alumni or other organization membership, and more. 

You can also adjust your deductible to save money. Your home insurance deductible is the dollar amount that property damage must exceed before you can file a claim for your insurer to cover it. You can set your deductible when you get a policy.

Choosing a higher deductible makes you responsible for more damage before invoking your carrier’s help. Insurance companies like this and reward policyholders who choose high deductibles with lower premiums.

Why You Should Consider Flood Insurance in Zephyrhills

Home insurance covers many aspects of your home and financial liability, but it falls short regarding flooding. Homeowners insurance never covers flood damage because floods are so common and costly that it isn’t financially viable for most companies.

Coastal erosion, mudslides, heavy rains, and storm surges from hurricanes and tropical storms can cause floods. While these sound like major nature events, they happen way more often than you think. Floods are the most common natural disaster in the country. In Florida, where heavy rains and flash flooding are commonplace, you’re never fully safe from a flood.

Consider flood insurance in Zephyrhills for an additional level of protection for your property. You can still shop around to save money, and you may be surprised at a plan’s affordability if you’re in a low-risk area.

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?

What Affects the Cost of Home Insurance in Zephyrhills, Florida?

Several factors affect the average cost of home insurance in Zephyrhills, which ranges from $3,461 to $8,907 annually. Companies consider so many variables to understand the risk of your property as well as possible. Homes at higher risk of property damage pay higher premiums.

Common factors that impact average Zephyrhills homeowners costs include:

Location: the geographic area of your home, including its susceptibility to natural disasters and crime rates, significantly influences your home insurance premium. Homes on the water or in high-crime areas can have higher rates. Conversely, homes near fire hydrants and stations may receive lower premiums due to reduced fire risk.

Home Features: homes with expensive finishes and installations cost more to cover. Additionally, owning pools and trampolines can raise your rates as they increase the odds of a liability claim. Older homes or those constructed with materials more prone to damage can lead to higher premiums.

Claims History: someone who has filed several insurance claims in the recent past may pay more for coverage than someone who has never had a claim. Filing several claims raises some flags for providers.

Policy Details: having higher coverage limits will raise your rates. Adding endorsements to your plan increases the cost, too. But, you can lower your premiums with discounts or by bundling your policies.

Is Home Insurance Required in Zephyrhills?

Homeowners insurance in Zephyrhills isn’t required by law. But, lenders will mandate home insurance if you’ve financed your home with a mortgage.

Mortgage lenders require homeowners insurance to financially protect their investment in your house. If a disaster, such as a hurricane or fire, destroyed the property, your lender would have no way to get the money back that it put into the property unless there was an insurance policy in place.

You’ll need to keep homeowners insurance for the life of the loan. If you don’t find your own policy, your lender will get insurance for you. This force-placed insurance isn’t optimal, as it is less protective and more expensive than coverage you can find yourself. Since the lender is getting it for you, the plan they give is in their best interest, not yours.

Avoid force-placed insurance by securing home insurance on your own and making your payments on time.

How to Get Homeowners Insurance Quotes in Zephyrhills

While you can find savings on your own by shopping around, you’ll be sure to find the best deal with the help of a home insurance agency like Clovered. As an independent agency based in South Florida, our local expertise will go a long way in helping you find the best policy.

Utilize our online quoting engine to compare plans from local providers in minutes. Or, you can chat with one of our licensed agents for a quote by calling 833-255-4117 during business hours. Feel free to email us, also, at agent@clovered.com if you have any questions.

Getting Mobile Home Insurance in Zephyrhills, Florida

While mobile and manufactured home insurance includes many of the same coverages as standard homeowners insurance, it officially requires a different type of policy. The different building techniques of site-built and factory-built dwellings change some language in the policies.

Technically, the typical homeowners insurance policy is an HO3 insurance form, while manufactured home insurance is the H07 policy form, a distinction that you’ll see among industry professionals. 

Nevertheless, manufactured and mobile home insurance in Zephyrhills typically contains the same coverage areas for your property and liability as standard home insurance plans. The primary difference may be in pricing. HO7 insurance may be cheaper in some ways because manufactured homes are typically smaller and simpler than traditional houses. However, their construction may make them more prone to fire damage. Due to their dated components, older mobile and manufactured homes may be especially costly to insure.

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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