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Best Homeowners Insurance Agencies in Largo

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Academy Insurance logo
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Academy Insurance

7330 Cortez Road West, Bradenton, FL 34210
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  • Renter's Insurance
  • Flood
  • Condos

Business Description

Academy Insurance offers personalized homeowners insurance options near Largo. The independent agency's licensed professionals work with multiple carriers to find the best fit for their clients' needs. They evaluate the replacement value of the dwelling and additional structures as well as personal possessions, such as fine jewelry, keepsakes, firearms, and electronics to help ensure the appropriate replacement value. The agents also calculate necessary liability coverage in the event a guest is injured while on the premises.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Acentria Insurance - Seminole logo
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Acentria Insurance - Seminole

8200 113th Street North, Seminole, FL 33772
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  • Condos
  • Personal Property Insurance

Business Description

Acentria Insurance is an independent agency that's provided personalized homeowners insurance options near Largo for more than 11 years. The company's licensed agents evaluate each situation to help ensure their clients receive the appropriate coverage for the replacement value of the structure and personal contents as well as liability protection. Acentria Insurance also insures condo and manufactured home owners. The company's other policies include business, health, life, and auto coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.3 / 5 (15)
Facebook
5.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Arrington Insurance of Florida logo
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Arrington Insurance of Florida

13801 Walsingham Road, Largo, FL 33774
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  • Multiple Policy Types

Business Description

Arrington Insurance of Florida has been providing custom insurance plans for individuals and businesses in Largo and nearby communities for more than 30 years. This independent agency's homeowners' insurance provides financial protection for unexpected home damages caused by theft, fire, and vandalism. Arrington Insurance of Florida partners with trusted insurance carriers like Universal Property, Travelers, and Tower Hill. Its team of agents also assists in insuring cars and business endeavors.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (121)
Facebook
5.0 / 5 (4)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Elizabeth Lawson - State Farm Insurance Agent logo
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Elizabeth Lawson - State Farm Insurance Agent

5519 Park Street North, St. Petersburg, FL 33709
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Business Description

Elizabeth Lawson is a State Farm agent who's delivered personalized homeowners insurance near Largo for more than 20 years. Ms. Lawson evaluates individual needs in order to provide the appropriate coverage for primary and secondary homes, personal contents, and liability. State Farm's standard coverage encompasses damage from such events as lightening and hail, plumbing system discharge, and theft or vandalism. Ms. Lawson also provides extended coverage for other natural disasters.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Jack Rice Insurance logo
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Jack Rice Insurance

9455 Koger Boulevard North, St. Petersburg, FL 33702
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

Jack Rice Insurance has been a trusted independent agency serving the Largo area for more than 30 years. The company's licensed agents represent multiple carriers to deliver the homeowners insurance policies that best meet their clients' needs. They evaluate such matters as the value of the home and personal possessions as well as the level of risk. Jack Rice Insurance provides replacement value for collectibles, furs, and fine art in addition to securing umbrella liability policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.1 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Kristin Asbury - GreatFlorida Insurance Agent logo
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Kristin Asbury - GreatFlorida Insurance Agent

12998 Walsingham Road, Largo, FL 33774
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  • Multiple Policy Types

Business Description

Kristin Asbury is an insurance agent working with Great Florida Insurance and servicing Largo residents. With over three decades of industry experience, the company partners with national and local insurance carriers to help homeowners find insurance products that match their requirements. Asbury informs clients of the coverage types under home insurance plans, such as property damage due to theft, wind, fire, or hail and personal property loss. Homeowners' insurance coverage also includes loss of use and liability claims.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (36)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
MAR/KIS Insurance Agency, Inc. logo
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MAR/KIS Insurance Agency, Inc.

5190 26th Street West, Bradenton, FL 34207
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Condos

Business Description

MAR/KIS Insurance Agency delivers personalized homeowners insurance solutions near Largo. The independent company's licensed agents represent multiple carriers to provide coverage that meets the specific needs of each client. They assess the value of the home and personal possessions as well as necessary liability to help ensure appropriate protection. MAR/KIS Insurance Agency covers primary and secondary homes and condos. The company's other policies include flood and auto coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Martin Insurance Group logo
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Martin Insurance Group

14321 Walsingham Road, Largo, FL 33774
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  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Business Description

Martin Insurance Group has been dealing with insurance plans for more than a decade through its office in Largo. The independent insurance agency provides a homeowners' insurance policy that protects the properties of its clients from fire, windstorms, hail, and vandalism. It also comes with personal property insurance that pays the actual cash value or replacement cost of personal belongings. Additionally, the insurance offers its clients liability protection from injuries guests have suffered within their properties.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
3.9 / 5 (35)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Solace Insurance logo
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Solace Insurance

300 East Bay Drive, Largo, FL 33770
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  • Multiple Policy Types

Business Description

Solace Insurance is a Largo-based full-service insurance agency that has been providing for the needs of clients for over three decades. The agency offers a variety of personal and business insurance policies, including homeowners' insurance. Its homeowners' insurance protects the homes and personal properties of its clients from damage due to fires, storm surges, hurricanes, or broken pipes. The insurance also gives liability coverage to its clients in case someone is injured in their homes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.3 / 5 (22)
Yelp
2.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Trump Insurance logo
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Trump Insurance

13139 66th St, Largo, FL 33771
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  • Personal Property Insurance

Business Description

Trump Insurance is a Florida-based insurance agency serving the Largo community. The agency was founded in 2003 by owners Aimee and Will, who are committed to providing quality insurance policies to clients. It represents a wide range of insurance carriers including Tower Hill, Florida Peninsula, Homeowner's Choice, and Federated National. The company's agents strive to help clients navigate through these policies and understand which suits them. Additional services include auto insurance and commercial insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (51)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Weisner Insurance Network logo
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Weisner Insurance Network

550 East Bay Drive, Largo, FL 33770
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  • Multiple Policy Types

Business Description

Weisner Insurance Network is a Largo-based independent insurance agency that has been providing its services for more than 40 years. The agency offers homeowners' insurance to help its clients protect their homes and family. Its team of experienced insurance agents can present a variety of quotes and coverage options that will suit their client's needs, risks, and budgets, including coverage for their collections and home contents. Weisner Insurance Network also has other personal insurance products like auto, life, and flood insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (130)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Wornicki DelVecchio Insurance, Inc. logo
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Wornicki DelVecchio Insurance, Inc.

5234 Central Avenue, St. Petersburg, FL 33707
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  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Condos

Business Description

Wornicki DelVecchio Insurance Inc. is an independent agency that provides personalized homeowners' insurance solutions in Largo and throughout the state of Florida. The company's agents evaluate individual circumstances to help ensure their clients receive the appropriate coverage for their homes. They assess the value of the dwelling to make sure clients aren't over or under-insured. Wornicki DelVecchio insures primary and secondary homes as well as condos, short-term rental properties, manufactured, and mobile homes. It also offers additional policies for flood, business, auto, life, boat, motorcycle, and RV.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

Introduction

Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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