Expertise.com Homepage

2024

Last updated:

Best Homeowners Insurance Agencies in Largo, FL

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Largo Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

57Reviewed

39Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5234 Central Avenue, St. Petersburg, FL 33707

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

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.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

8200 113th Street North, Seminole, FL 33772

Expertise.com Rating

Review Sources

Google
4.3 (15)
Facebook
5.0 (13)

Why choose this provider?

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.

  • Condos
  • Personal Property Insurance

14321 Walsingham Road, Largo, FL 33774

Expertise.com Rating

Review Sources

Google
3.9 (35)

Why choose this provider?

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.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

13139 66th St, Largo, FL 33771

Expertise.com Rating

Review Sources

Google
4.7 (51)
Yelp
5.0 (1)

Why choose this provider?

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.

  • Personal Property Insurance

300 East Bay Drive, Largo, FL 33770

Expertise.com Rating

Review Sources

Google
4.3 (22)
Yelp
2.5 (3)
Facebook
5.0 (2)

Why choose this provider?

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.

  • Multiple Policy Types

9455 Koger Boulevard North, St. Petersburg, FL 33702

Expertise.com Rating

Review Sources

Google
4.1 (14)

Why choose this provider?

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.

  • Multiple Carriers
  • Multiple Policy Types

12998 Walsingham Road, Largo, FL 33774

Expertise.com Rating

Review Sources

Google
5.0 (36)
Facebook
5.0 (2)

Why choose this provider?

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.

  • Multiple Policy Types

5190 26th Street West, Bradenton, FL 34207

Expertise.com Rating

Review Sources

Google
5.0 (22)
Facebook
5.0 (11)

Why choose this provider?

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.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

5519 Park Street North, St. Petersburg, FL 33709

Expertise.com Rating

Why choose this provider?

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.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

550 East Bay Drive, Largo, FL 33770

Expertise.com Rating

Review Sources

Google
5.0 (130)

Why choose this provider?

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.

  • Multiple Policy Types

7330 Cortez Road West, Bradenton, FL 34210

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

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.

  • Renter's Insurance
  • Flood
  • Condos

13801 Walsingham Road, Largo, FL 33774

Expertise.com Rating

Review Sources

Google
4.9 (121)
Facebook
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

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.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Wornicki DelVecchio Insurance, Inc.
5234 Central Avenue, St. Petersburg, FL 33707
Acentria Insurance - Seminole
8200 113th Street North, Seminole, FL 33772
Martin Insurance Group
14321 Walsingham Road, Largo, FL 33774
Trump Insurance
13139 66th St, Largo, FL 33771
Solace Insurance
300 East Bay Drive, Largo, FL 33770
Jack Rice Insurance
9455 Koger Boulevard North, St. Petersburg, FL 33702
Kristin Asbury - GreatFlorida Insurance Agent
12998 Walsingham Road, Largo, FL 33774
MAR/KIS Insurance Agency, Inc.
5190 26th Street West, Bradenton, FL 34207
Elizabeth Lawson - State Farm Insurance Agent
5519 Park Street North, St. Petersburg, FL 33709
Weisner Insurance Network
550 East Bay Drive, Largo, FL 33770
Academy Insurance
7330 Cortez Road West, Bradenton, FL 34210
Arrington Insurance of Florida
13801 Walsingham Road, Largo, FL 33774

FAQs

  • 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 are considered other structures in a Largo home insurance plan?

    Largo home insurance policies typically consider garages, gazebos, and storage sheds as other structures. Homeowners' insurance coverage B protects structures on the property that are not part of the policyholder's dwelling. Its coverage limit is usually between 2% to 10% of the dwelling's coverage, but homeowners may purchase a higher limit.

  • How are flood insurance premiums determined for Largo homeowners?

    Flood insurance premiums for Largo homeowners are set based on the Federal Emergency Management Agency's risk assessment methodology called Risk Rating 2.0. This methodology takes into account factors such as the elevation of the property, the type of flood risk, the distance to a water source, and the cost of rebuilding the home.

  • What should a Largo homeowner do to prevent damage to their property while on vacation?

    Largo homeowners must ensure that their insurance policy adequately protects their house and belongings, especially if they will be on vacation and leave the property unoccupied. They are also recommended to take precautions such as unplugging appliances and electronic devices, locking all windows and doors, and shutting off the home's water to prevent accidents.

  • Does insuring a second home cost more for Largo residents?

    In Largo, insuring a second home would generally cost more because of several factors, such as its location and the amount of time it will be unoccupied. People could also find it more difficult to find adequate coverage if the second home is located in an area at risk of natural disaster or if the location has a pool.

  • Is it important to have homeowners' liability insurance in Largo?

    Yes. Homeowners in Largo must have liability insurance coverage because it would financially protect them in the event someone is injured while on their property. The property owner is held responsible for injuries due to floor hazards or poor lighting. Homeowners' liability coverage will help policyholders pay for medical expenses and court costs.

  • 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.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2024

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.