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
| Demographic | Values |
|---|---|
| Population | 13,288 |
| Total Occupied Households | 5875 |
| Family Households (families) | 3586 |
| Average Owner Occupied Household Size | 2.10 |
| Average Family Size | 2.71 |
| Total Housing Units | 7702 |
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.
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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
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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.
Zephyrhills, FL Home Insurance Average Premiums
$1378 /yr.
For the city of Zephyrhills, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $1378 /yr. |
| Average Coverage: | $1628 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1928 /yr. |
What is the average home insurance cost for a home in Zephyrhills, FL?
- • The average homeowners insurance premium paid annually for a home in Zephyrhills is around $1628 per year.
What does it cost on average per month for home insurance in Zephyrhills, FL?
- • Homeowners in Zephyrhills pay an average cost per month around $136.00 for insurance coverage.
Zephyrhills, FL Coastal Wind, Hail & Flood Information
Zephyrhills is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.
Flood Zone Notice: The beautiful coastal city of Zephyrhills is know for it's beautiful beaches and waterways. Because Pasco County (FIPS: 12101) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Zephyrhills, FL.
Coastal Zephyrhills, Florida Information: To obtain flood insurance coverage, the process usually takes more than 30 days to finalize, if you need flood insurance coverage now, please call us at 888-620-1954.
For more information about your area, please click Coastal Homeowners Insurance in Florida
Zephyrhills, FL - 2023 Housing Information
| Month | Current Home Value (2023) | Last Year Home Value (2022) |
|---|---|---|
| January | $283,109 | $252,351 |
| February | $282,620 | $257,942 |
| March | $283,029 | $264,290 |
| April | $282,996 | $270,704 |
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.
Get up to 12 competitive Zephyrhills, FL homeowners insurance rates all in one place! |
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
| Elevation | Details | Homeowners Tips |
|---|---|---|
| 85 ft. | This is the average home elevation in Zephyrhills, FL | » Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Zephyrhills, Florida. A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home. Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy. It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas. |
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.
Florida Homeowners Insurance News & Information
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Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024
A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase. Currently, a Broward commissioner is asking Congress to pass legislation he claims […]
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Florida Lawmakers May Allow Takeout Offers to Citizens’ Policyholders Posted on Wednesday 13th March, 2024
Lawmakers in Florida are moving closer to allowing specific insurer types to make offers to policyholders currently with Citizen’s Property to insure their vacation or second home. SB 1716 this week cleared the Senate’s Fiscal Policy Committee for the takeout offers after the Senate’s Banking and Insurance Committee approved the measure earlier this month. This […]
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Florida has 7 New Home Insurance Companies Entering the Market Posted on Friday 1st March, 2024
Recently, Florida has seen seven new insurance companies enter the market for homeowners coverage. Currently, the average premium for homeowners coverage is $6,000 a year in the Sunshine state compared to a nationwide average of just $1,700 a year, according to the Insurance Information Institute. The Insurance Information Institute is hopeful that the new insurance […]
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What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024
If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]
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Florida Homeowners Advance From Citizens into Private Companies Posted on Tuesday 5th December, 2023
Homeowners Choice Property and Casualty Insurance Co. has assumed approximately 53,750 policies from Citizens Property Insurance Corp., Florida’s state-backed insurance company, the parent company says in a Tuesday news release. Homeowners Choice is owned by HCI Group Inc., a holding company with operations in homeowners insurance, information technology services, real estate and reinsurance. Homeowners Choice […]
Zephyrhills, FL Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Zephyrhills so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.
What is the average replacement cost coverage in Zephyrhills, FL?
- The average square footage in Zephyrhills is around 462 Sq. Ft. which would cost you around $77,133 to replace the home if you base the home on the price to build per square foot of $167.
Minimum Replacement Cost Total: $77,133
Location: Zephyrhills, Florida (Pasco County)
Average Building Cost Per Square Foot in Zephyrhills: $167 (low end)
Average Square Footage in Zephyrhills: 462 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $167 | $77,133 |
| Some Additional Upgrades | $209 | $96,417 |
| Major Home Updates or Advancements | $251 | $115,700 |
The dwelling coverage is calculated by the average cost per square foot ($167) in Zephyrhills, Florida times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $521,875 (Media price to build of $209 x 2500 sq. ft.) to cover the cost to rebuild your new home.
What is the difference between actual cash value and replacement cost value?
Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:
Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.
Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.