Get Zephyrhills, FL Home Insurance Rates!

Are you moving to Zephyrhills, FL? You will join the already 13,288 people that call this beautiful city home. Families in Zephyrhills have a figured out how to save time and money by letting us shop the best Zephyrhills home insurance rates and coverage options. For only $136.00 a month, you can find great coverage at an affordable price!

Zephyrhills, FL City Information

Did you know that Zephyrhills, FL has now reached over 13,288 in population size with 5875 homes within the city of Zephyrhills. The average family household in Zephyrhills is reported to be around 3586. With the local population increasing in Zephyrhills, it's important to make sure your home has the home insurance coverage you need for your family. Please learn more about our homeowners insurance discounts to discover how you can save additional money on your home insurance premium to help make it more affordable for you. When you request free Zephyrhills home insurance quotes from us, we will work with you to compare every possible carrier, coverage and discount available. To find additional savings on your new home policy, please review the article on: Setting Your Deductibles as High as Possible is a Moneysaver

Zephyrhills Homeowners Insurance is Very Affordable

Once you have purchased your home, you will need to protect it with a homeowners policy. Usually before closing, your loan provider will require you to purchase a homeowners policy. Lucky for you, Zephyrhills is a very affordable town with an average home insurance cost of $2,165. Zephyrhills, Florida is ranked 1 in the country for homeowners insurance rate prices.

You will need a certain type of homeowners policy when purchasing your new home. There are different policy types that are each designed for the specific type of housing that you may own. Here is a brief description of each of the different homeowner policy types that are available to you:

• (HO-3): The most common of all homeowner insurance types is the HO-3 or "Homeowners Three" policy. The majority of homeowners in Zephyrhills have most like purchased this type of standard or basic homeowners policy. It protects your home against every peril except ones that are excluded specifically in the policy. Perils may include fire, theft, liability.
  It should be noted that all HO-3 policies exclude earthquake and flooding damage.
• (HO-4): This type is called a renters insurance coverage type for renting a home, condo or apartment. This will cover the personal property in the home as well as offering liability coverage for you in the event that someone trips or fall and is otherwise injured in your apartment. This policy is for renters or tenants only, this does not cover you if you own the property and want to rent it, you will need a landlord policy for that type of coverage.
• (HO-5): If you want to upgrade your HO-3 standard homeowners policy, this is the next level type of enhanced coverage. While more expensive than an HO-3 policy it also offers more coverage protection. These policies are not available on all homes, they are usually reserved for newer homes that fall in higher price brackets.

One of the major differences with this policy type is that your personal property is covered by all perils that are not named as exclusions. An HO-3 policy on the other hand only protects your personal property against a certain list of perils.

The majority of these policies also offer replacement value as standard coverage on personal property compared to fair market value which takes deprecation into account when calculating the value of your damaged or destroyed property.

Compare Homeowners Insurance Rates in Zephyrhills, FL!

Our Service in Florida

You can feel confident that our experience, integrity and service will help you find the best insurance policy at a price you can afford. We work with a wide variety of insurers in Zephyrhills, Florida and all of them are top rated "A+" by A.M. Best Rating and have been in business for several decades.

Just a few of the insurers we work include American Integrity Insurance Group, Anchor Insurance, ASI, Bankers Insurance Group, Centauri Insurance, Chubb, Edison Insurance Company, Florida Peninsula Insurance Company, Heritage Insurance, Lexington Insurance, Olympus Insurance, People's Trust Insurance Company, St. Johns Insurance Company and many more.

Average Rates Nearby Zephyrhills

Are you looking for homeowners insurance in a city near Zephyrhills? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

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Home Insurance Rates by Zipcode in Zephyrhills, FL

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Zephyrhills.

33540,     33541,     33542,     

Homeowners insurance will help cover the cost to repair or replace your Zephyrhills home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

• Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Zephyrhills
• Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
• Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
• Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
• Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Saving Money Tips on Zephyrhills Home Insurance

A great way to save money on Zephyrhills homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

• Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
• Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
• Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
• Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Zephyrhills area? Check out what homeowners are paying on average for Florida homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

To get online quotes on your home and compare rates on home insurance premiums in Zephyrhills, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Pasco County.

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