North Port Homeowners Insurance

What Your North Port, FL Homeowners Insurance Policy Needs

The city of North Port, FL is located in Sarasota County between the larger cities of Tampa and Fort Myers. This rapidly growing city is home to more than 60,000 residents and, with a median age of 41, is actually among the youngest cities in southwestern Florida. Many are attracted to this area because of its affordable housing, rich archeological history, easy driving distance to area beaches and beautiful natural springs. If you have set roots and purchased a house in this lively city, you will want to be sure to protect your investment with a suitable North Port home insurance policy.

Independent insurance agents in the Trusted Choice® network are equipped to help you find the best and most affordable home insurance policy to meet your coverage needs. These agents can work with a number of reputable insurance companies to gather a selection of customized North Port homeowners insurance quotes that you can review and compare together. Find an agent near you to get started.

  • National yearly premium average: $1,034
  • Florida yearly premium average: $1,103
  • 14th most expensive premium in the U.S.

Florida residents pay somewhat higher-than-average rates for their home insurance coverage, largely because of the increased risk of hurricanes, tropical storms and tornadoes. You can refer to the figures above to get an idea of what your approximate price might be, but each North Port homeowners insurance quote you receive is based on a number of different factors including but not limited to the following:

  • The value of your home and the amount of coverage you wish to purchase
  • The age of your home and the building materials used in its construction
  • The use of the property you are insuring: primary residence, vacation home or second home
  • The ZIP code in which your house is located
  • The amount of your deductible
  • The presence of a liability hazard like a swimming pool or a “dangerous breed” dog on the property
  • Your bundling option, i.e., whether or not you are bundling your home policy with other policies, such as auto or life insurance

Your Trusted Choice Agent can help you obtain and compare rates from a variety of reputable insurance companies. That way, you can be sure that you are paying the best price for the policy you choose.

Second Home and Vacation Home Insurance

Some people own more than one home, and a large number of people in Florida prefer to live the summer months in a cooler climate. If you own a vacation home or a second home, you have different insurance considerations when purchasing coverage for these properties. For example, vacation homes often have different weather-related risks depending on their locations, and homes that are rented to tenants need specialized landlord insurance coverage. Your Trusted Choice Agent can help you find the right policies to cover your extra homes and may even be able to save you money by bundling all of your home policies under the same insurance company.

Number of Thefts in Florida

  • National number of burglaries: 37,814
  • Florida number of burglaries: 3,316

The burglary rate in Florida is lower than the national average; and the property crime rate in North Port is lower than the national average as well. You can further reduce your risk of a burglary by taking preventive steps, such as keeping the perimeter of your home well-lit and ensuring that all your doors and windows have secure and working locks. Burglar alarm systems are particularly effective theft deterrents, and installing one in your home can even earn you a discount on your North Port home insurance policy.

Fortunately, losses due to property crimes are covered by home insurance. If you discover that your house has been broken into, first make sure that you and your family are safe, and then call the police. You need a copy of the police report when you file a claim. Your Trusted Choice Agent can offer guidance throughout the claims process.

Number of Catastrophes in Florida

  • Number of catastrophes in Florida: 594
  • Number of tornadoes in Florida: 23
  • Amount of property damage in Florida: $210,240,000
  • 1 in 15 insured homes has a claim each year

The risk of tornadoes in North Port is only 13 percent greater than the national average. One of the worst to hit this area was an F2 twister that touched down 3.2 miles from the North Port city center in 1971. Still, it is important to ensure that your home insurance policy provides coverage against this threat.

Because a major tornado, a hurricane or a house fire can damage or destroy all of your property, it is vital that your North Port Home insurance policy include sufficient structural and contents coverage to enable you to rebuild and start over in the event of a total loss. Your Trusted Choice Agent can help you determine how much coverage is enough and can advise you if you are torn between actual value and replacement cost coverage.

What Are the Risks in North Port, FL?

Occasionally, during very dry conditions, a brush fire may erupt and spread throughout parts of Florida. These fires can be difficult to contain, and if they reach your neighborhood, they can destroy large parcels of property, including your house. Fortunately, your North Port homeowners insurance provides coverage for your losses if your property is damaged by a wild fire or by an accidental fire within your home.

Additionally, hurricanes can bring heavy winds and rains to the North Port area. These winds can loosen shingles, warp siding and topple trees onto your personally owned property. Many home insurance policies require you to purchase a special hurricane endorsement or even a separate hurricane insurance policy in order to achieve coverage against this type of catastrophe.

The heavy rains that accompany a hurricane often lead to area flooding. Unfortunately, North Port homeowners insurance policies – even those supplemented with hurricane insurance – do not cover flood damage. The only way to protect yourself from loss due to an overflow event is to supplement your coverage with a flood insurance policy through the National Flood Insurance Program (NFIP). Your Trusted Choice Agent can help you review rates for this coverage and secure a policy.

Compare North Port Home Insurance Quotes

When it comes to purchasing an insurance policy for your home in North Port, you have several insurance providers from which you can choose. Comparison shopping enables you to get a great policy at the most affordable price, but many homeowners find it to be too time-consuming and inconvenient to do on their own. This is why it is advantageous to work with one of the many independent insurance agents in the Trusted Choice network.

Trusted Choice Agents can recommend appropriate coverage options, identify and eliminate gaps in your coverage, and collect quotes from a variety of insurance providers so that you can easily find a competitively priced policy that meets your coverage needs. Find a Trusted Choice Agent with an office near you to learn more about North Port homeowners insurance.

Now, who's ready to get their insurance problems solved?