Pasco County Insurance Rates:

Pasco County, FL homeowners insurance is nearly $976 to $1,323, about $81-$110/month. Our in depth guide shows customers can save as much as $460 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Three Ways to Reduce Home Insurance Costs in Pasco County, Florida

In Pasco County, Florida, the average cost of homeowner's insurance is $1309. Pasco County homeowner's insurance will safeguard you in the event of a catastrophe, theft, or the case of any other unforeseen circumstance. It is a fantastic approach to safeguarding your loved ones and your most priceless possessions. If a family member is hurt on your insured property, Pasco County, Florida homeowners insurance will pay for the necessary repairs and damages.

Many factors can affect your home insurance rates in Pasco County, Florida. Some of these factors include the age and condition of your home, the amount of coverage you need, the deductibles you choose, your credit score, and your claims history. Insurance companies also consider your area's crime rate and weather conditions when determining your rates.

Here are some suggestions to help you save money on Pasco County, Florida, homeowners insurance.

1. By choosing a higher deductible

One way to lower your homeowner insurance premiums is by choosing a higher deductible. This means that you will be responsible for paying more out-of-pocket expenses in the event of a claim, but it can lead to significant savings on your premiums. For example, homeowners in Pasco County, Florida, who choose deductibles of 500 and 1500 pay premiums of $1293.29 and $1101.39, respectively. However, homeowners with deductibles of 2000 and 2500 pay $999.81 and $939.86, respectively.

2. By installing security features

Installing security features, such as a burglar alarm or security system, can frequently result in a discount on your rate. Some insurers will give you a discount if you have a smoke alarm or sprinkler system installed in your house. If you have a home security system that is monitored by a central station, you can potentially be eligible for a discount. Make sure to inquire with your insurer about any possible savings for security measures. In Pasco County, Florida, homes with deadbolts cost $1204.28 for homeowners insurance.

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2. By maintaining a zero claims history 

If your residence is experiencing minor damages, registering a claim might be very enticing. However, since your insurer might raise the cost of home insurance, it might not be worth the hassle. Instead, homeowners might consider paying for minor damages out of their pockets. The claim for a substantial repair or damage to the home can be kept in this way, saving homeowners from paying excessive premiums. For instance, homeowners in Pasco County, Florida, who have never filed a claim, would pay a premium of $1138.83. However, homes in Pasco County, Florida, must pay between $1387.54 and $1466.08 for their homeowner's insurance if they have one or two claims.

Pasco County, FL Homeowners Insurance By Home Value

Pasco County, FL Home Value Total Homes % of Total Average Pasco County, FL Homeowners Insurance
Less than $50,000 19,975 14.0% $218
$50,000 to $59,999 7,178 5.0% $460
$60,000 to $69,999 6,906 5.0% $563
$70,000 to $79,999 6,207 4.0% $655
$80,000 to $89,999 7,855 5.0% $736
$90,000 to $99,999 5,674 4.0% $828
$100,000 to $124,999 13,771 10.0% $954
$125,000 to $149,999 13,283 9.0% $1196
$150,000 to $174,999 13,540 10.0% $1414
$175,000 to $199,999 9,624 7.0% $1633
$200,000 to $249,999 14,243 10.0% $1966
$250,000 to $299,999 8,922 6.0% $2403
$300,000 to $399,999 8,126 6.0% $3059

Top Home Insurance Agents Near Pasco County, FL

Home Insurance Company Near Pasco County, FL Homeowners Insurance Agency Near Pasco County, FL Address
NA Webb Insurance Group 3212 S Dale Mabry Hwy, Tampa, FL, 33629
NA Mitchell Insurance Services, Inc. 8801 Harrell Ave , Treasure Island, FL, 33706
State Farm Jay Littlejohn 10500 Ulmerton Rd, Largo, FL, 33771-3544
State Farm Larry Walker 13144 Park Blvd Ste A, Seminole, FL, 33776-3500
State Farm Pamela Patterson 6903 Gunn Highway, Tampa, FL, 33625-3817

Pasco County, FL Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Pasco County, FL

Streets in Pasco County Area Homeowners Insurance Cost
Christine Ave, Otto Ln, Charles St, Marlberry Way, San Pablo Dr, Carly Dr, Allamanda Dr, Coit Rd, Royal Palm Dr, Cambria Ln$1,120
Co Rd 575, Youth Ln, Masonville Loop, Burnham Dr, Carmen Ln, Tottenham Dr, Almond Dr, Bay Blvd, Santeelah Dr, Lake Como Dr$1,118
Danube Dr, Brent St, Astral Ln, Entry Way, Briske Morning Ave, Teak St, Limewood Dr, Eastfork Ln, Queener Ave, Endless Summer Ct$1,192
San Lorenzo Way, Windy Ln, Glissade Dr, Cosme Dr, Country Breeze Ave, Kinnow Ct, Hagen Dr, Forest Trl, Kapok Dr, Morehead Ln$1,120
Moceri Ave, Jobeth Dr, Mary Ann Dr, Whipporwill Ln, Shenandoah Ln, Mondo Dr, Yellow Lake Dr, Sweeping View Dr, Lawrence Ave, Reggie Dr$1,120
Berna Ln, Oakley Blvd, African Violet, Alberton Ln, Maureen Dr, Robins Nest Ct, Katy Dr, Manxcat Ln, Jennita Dr, Coral Ct$1,219
Echo Lake Dr, Billiard Dr, Charles Ave S, Robilina Rd, Deacon Loop, Silk Oak Ln, Marx Ave, Nest Ct, Tournament Dr, Paradise Ave$1,094
Beachway Ln, Wicketts Way, Nettle Creek Ct, Eileen Dr, Wallington Dr, Black Walnut St, Tree Cactus Loop, Kentucky Ave, Albemarle Pkwy, Orchid Lake Rd$1,183
Hampton Hills Loop, Alexander Rd, Tower Dr, Prato Ln, Joan Ct, Winslow Way, Chapel Ave, Liman Dr, Milliken Ln, Cabbage Ln$1,189
Timberwood Dr, Swan Dr, Flower St, Broadwater Dr, Ironwood, Forestedge Ct, Riverstone Dr, Comstock Ln, Tampa Downs Blvd, Henley Rd$1,163

Pasco County, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Pasco County$172 to $174
Connerton$182
Quail Ridge$174
Central Pasco$177

Pasco County, FL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Connerton CDP, Florida $182 $243 $365
Quail Ridge CDP, Florida $175 $233 $350
Central Pasco CCD, Pasco County, Florida $177 $236 $354

Pasco County, FL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Pasco County, FL6.8%25.2%
Pasco County6.82%25.15%
Quail Ridge5.93%18.51%
Central Pasco5.78%20.56%

Pasco County Renters Insurance as a Percentage of Rent

Pasco County Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 586 1.0% $793
$300 to $499 2,231 5.0% $1243
$500 to $749 8,404 21.0% $1918
$750 to $999 11,904 30.0% $2668
$1,000 to $1,499 10,924 28.0% $3793
$1,500 or more 4,112 10.0% $5443

Average Cost Of Home Insurance By Company In Areas Nearby Pasco County For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO American Integrity Insurance $3,026
150,000 27 NO Auto Club Insurance $7,497
150,000 27 NO Tower Hill Prime Insurance $2,108
150,000 27 YES Safeway Property Insurance $1,600
150,000 27 YES Southern Oak Insurance $2,521
150,000 27 YES Tower Hill Select Insurance $1,746
300,000 12 NA Tower Hill Prime Insurance $2,232
300,000 12 NA Universal Insurance $4,060

Latest Home Insurance Reviews by Location

Wesley Chapel, FL

Usaa
I would 100% recommend USAA as a company for home insurance for military affiliated families. They have great customer service, low rates, and offer many other types of insurance and banking needs.
Read more Wesley Chapel home insurance reviews

Zephyrhills, FL

Assurant Specialty Property
If someone wants to bundle with Geico for car insurance savings, absolutely I would recommend they go for it. If they want renter's insurance with very basic options.
Read more Zephyrhills home insurance reviews

New Port Richey, FL

State Farm
Even though the raised the premiums, I would recommend them due to their good customer service and stability of the company.
Read more New Port Richey home insurance reviews

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