Largo Hurricane Insurance

How to connect with an independent insurance agent

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.


In Largo, FL, there are roughly 84,948 residents who call this place home. If you're one of them, you'll want adequate protection. Hurricane insurance will cover your assets properly.

An independent insurance agent can help find a policy for a fair price. They have a network of carriers so that you have options. Connect with a local adviser in minutes. 

What Is Hurricane Insurance?

Largo, FL, is a hot spot for tropical storms. With Florida being the number one location that hurricanes occur, proper protection is necessary. There are a number of ways you can protect yourself from one of these catastrophes.

  • Hurricane insurance: While there is no separate hurricane insurance policy per se, there is protection against the damage they cause. This will come in the form of your homeowners policy, flood policy, and more. 

What Does Hurricane Insurance Cover in Largo, FL?

There is no one separate policy for hurricanes. Instead, you can find protection through your personal and business insurance policies alike. Some coverages that may apply are as follows.

  • Replacement or repair of personal or commercial belongings
  • Replacement or repair of personal or commercial property/structures
  • Replacement or repair of personal or commercial vehicles 

Save on Hurricane Insurance

Our independent agents shop around to find you the best coverage.

How Much Is Hurricane Insurance in Largo, FL?

Insurance costs vary no matter where you live. In Largo, FL, your hurricane insurance will be split up between your other policies. Several items affect your hurricane insurance premiums, such as the following.

  • Your claims history
  • Your flood zone
  • The city you live in
  • Weather patterns
  • Property values

You won't be able to tell your exact pricing for hurricane coverage until you obtain quotes for your other policies. Another way to cut costs is by bundling. When you bundle your home and auto insurance with the same carrier, you'll get a significant discount.

Does Homeowners Insurance Cover Hurricane Damage?

In Largo, FL, there have been 24 natural disasters. Ten of those were caused by hurricanes. You'll want all the protection you can get when it comes to protecting your home. 

Coverage for a hurricane can be found through your homeowners insurance policy. When disaster strikes, your home coverage will apply. Replacement and repair of your property will fall under your preselected limits.

Does Flood Insurance Cover Hurricanes?

In Florida, there are 1,765 flood claims reported annually. When you live in Largo, you'll need a separate flood policy to have protection. This can also help you in the event of a hurricane. 

Contrary to popular belief, your primary policies will not have coverage for flood damage. In fact, they will exclude it altogether. When you have flood insurance, you'll have coverage for flooding caused by a hurricane as well. 

How an Independent Insurance Agent Can Help

When you're searching for adequate protection, a trusted adviser can help. There are several policies on the market that you may not know about when quoting coverage. Hurricane insurance will be one that is a combination of all your policies. 

An independent insurance agent can help with coverage and premium options. Since they work with numerous carriers, you'll get the best policy without even trying. Connect with a local expert on for custom quotes today.

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