Average Rates for Home Insurance in Zephyrhills, Florida by Company 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.
Key Takeaways
- The average homeowners insurance cost in Zephyrhills, Florida, is about $2,503 per year, which is 12% below Florida’s state average.
- American Integrity, TypTap, and Citizens had the cheapest home insurance in Zephyrhills, based on our agency data.
- Shopping around and comparing multiple quotes is the best way to ensure you’re getting the best deal when buying homeowners insurance.
How Much Is Home Insurance in Zephyrhills, Florida?
On average, home insurance in Zephyrhills, Florida, costs about $2,503 annually, which is 12% lower than the state’s average rate of $2,857 per year.
Generally, Florida’s home insurance rates are among the highest in the nation, due in large part to high property values and risk of hurricane damage statewide.
However, these effects are felt more along the coast. Zephyrhills residents are likely seeing friendlier rates due to the city’s inland location that shields it from direct hurricane hits.
As an independent Florida agency, we can list real, average premiums from our policyholders below to give you a clearer idea of what you may pay when seeking home insurance and how costs differ by company.
| Company | Average Premium |
|---|---|
|
American Integrity |
$1,350 |
|
TypTap |
$1,572 |
|
Citizens |
$1,649 |
|
Southern Oak |
$1,710 |
|
American Platinum |
$2,576 |
|
Olympus |
$2,677 |
|
Florida Peninsula |
$5,108 |
|
Average |
$2,503 |
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Insurance rates are highly subjective based on many details about you, your home, your policy, and your insurer. Insurers consider these details to determine your risk of filing a claim.
The Cheapest Homeowners Insurance in Zephyrhills
According to our data, American Integrity and TypTap have the cheapest home insurance in Zephyrhills. However, these companies may not be the most affordable for everyone, as rates are affected by many factors and vary by person and location.
Our list sports a mix of Florida-based insurers and larger regional carriers that write in several states. It’s a good idea to quote with several types of companies to note differences in cost, service, and more.
An interesting note on Citizens, another carrier on our list with low rates: it isn’t a standard insurer. Instead, Citizens is a state-run insurer meant to be a last resort for homeowners in high-risk areas who can’t find coverage from a standard insurer. You can only qualify for a Citizens plan if you get three quotes from traditional companies that are over 20% of your Citizens quote.
The Best Homeowners Insurance Companies in Zephyrhills, Florida
There isn’t one company that is the best in Zephyrhills. Every person has different coverage needs and budgets. With policies being highly customizable, and rates, coverages, customer service, and other options varying by company, you truly must shop around to find your best fit.
The good news is our Clovered team is designed to help with the process. Here is some information on our partner companies. Average premiums are determined from our policyholder data. Financial strength is determined by each company’s ratings from Demotech, a leading insurance industry credit rating agency.
To gauge consumer satisfaction, we used the National Association of Insurance Commissioners’ complaint index, which compares a firm’s consumer complaint performance with other companies in the market. The default index number is 1.0, meaning a company with a complaint index of 2.0 has a complaint value twice as high as expected. So, for their scale, lower is better.
American Integrity Insurance
Demotech Rating
A
NAIC Complaint Index
1.48
Average Premium
$1,350
Established in 2006, American Integrity Insurance has become one of the five largest home insurers in Florida with over 300,000 policyholders in the state. Since its founding, the company has expanded its coverage to Georgia and South Carolina and gone public, trading on the New York Stock Exchange.
TypTap
Demotech Rating
A
NAIC Complaint Index
1.48
Average Premium
$1,572
TypTap Insurance Company was founded in 2006 and offers home insurance in over a dozen states. It’s primarily distributed through independent agents, like ours at Clovered.
Citizens
Demotech Rating
NR
NAIC Complaint Index
0.69
Average Premium
$1,649
Citizens Property Insurance Corporation is Florida’s state-run home insurer of last resort. It’s a non-profit entity that provides property insurance to state residents who are unable to obtain coverage in the traditional, private market.
Southern Oak Insurance Company
Demotech Rating
A
NAIC Complaint Index
0.20
Average Premium
$1,710
Southern Oak Insurance Company is a private home insurer that has been providing coverage to state residents since 2004. Its policies are primarily available only in Florida through a statewide network of independent agents, such as Clovered.
American Platinum
Demotech Rating
A
NAIC Complaint Index
1.95
Average Premium
$2,576
American Platinum Insurance Company, founded in 2011, is a subsidiary of Universal Insurance Holdings, offering home insurance coverage in Florida and Georgia. Policies are available exclusively through independent agents at Clovered.
Olympus
Demotech Rating
NR
NAIC Complaint Index
0.90
Average Premium
$2,677
Olympus Insurance Company has offered home insurance solely in Florida since its founding in 2007, with a general focus on higher-value homes and a count of over 70,000 policyholders.
Florida Peninsula
Demotech Rating
A
NAIC Complaint Index
0.10
Average Premium
$5,108
Florida Peninsula Insurance Company was founded in 2005 and focuses on offering coverage in its namesake state. With over 150,000 policies in force in Florida, it just cracks the top ten list of Florida’s largest home insurers.
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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:
| 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 Homeowners Insurance Quotes in Zephyrhills
You’ll be sure to find the best deal on a policy with the help of a home insurance agency like Clovered. As an independent agency based in South Florida, our expertise will go a long way in helping you find the coverage you need at the price you want.
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.
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Zephyrhills Home Insurance FAQs
Is homeowners insurance required in Zephyrhillls, Florida?
What is wind mitigation in Zephyrhills?
Wind mitigation refers to house construction elements, such as impact-resistant windows and doors, hip roofs, and roof straps, that help your home withstand hurricane-force winds. Having these components will get you insurance discounts. You can get a wind mitigation inspection to see if and how you qualify.
What determines Zephyrhills home insurance rates?
Several factors affect the average cost of home insurance in Zephyrhills, such as home age, size, location, construction materials, claims history, policy deductible, and coverage amounts. Companies consider so many variables to understand the risk of you and your property as well as possible. Homes at higher risk of property damage pay higher premiums.
Do you need flood insurance in Zephyrhills, Florida?
You only need flood insurance in Zephyrhills if mandated by your mortgage lender, which will occur if your house is in a federally designated flood zone. The Federal Emergency Management Agency (FEMA) creates flood maps for the country. If your house is in a high-risk flood zone on their maps and you have a mortgage, your lender will require you to carry flood insurance in addition to homeowners insurance.
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?
The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.
