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Homeowners Insurance Quotes in Lutz, FL

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Homeowner's Policy Coverages

A Lutz Homeowner's Insurance policy is designed to cover the structure of your home, and includes protection for various kinds of Personal Property as well as Liability coverage. Want to know more? Give us a call at 813-949-2995 to speak to a local agent.

Home Insurance Coverage — What Is Covered

Standard home insurance coverage policies provide the following types of coverage, up to the limits outlined in the policies:

  • Dwelling — Pays for damage or destruction to your house and any unattached structures and buildings. Examples include fences, attached garage, or patio cover.
  • Personal Property — Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
  • Liability — Protects you against financial loss if you are sued and found legally responsible for someone else's injury or property damage.
  • Medical Payments — Covers medical bills for person(s) injured on your property.
  • Loss of Use — Pays for additional living expenses if your home is uninhabitable due to a covered loss. Most standard Lutz Homeowner's Insurance policies pay 10% to 20% of the amount of your Dwelling coverage.

Does my policy cover hurricane damage?

Yes, your homeowner’s insurance policy will cover damages cause by windstorms. The deductible for hurricane damage can range from 2% to 10% of the insured value of the dwelling depending on the policy.
NOTE: Hurricane damage is normally covered, but may be rejected in certain situations.

What does the hurricane deductible mean?

This is the amount that you, the policyholder, will have to pay out of pocket. For example, if your home is insured for $250,000 with a 2% wind deductible and has hurricane damages of $50,000.
The amount of the deductible will be 2% X $250,000 = 5,000.

The remaining amount ($45,000) would be paid by the insurance policy. What factors can affect Lutz Homeowner's Insurance premiums?

Home Features and Characteristics — The age of your home, type of structure, wiring, roof, garage, etc., can affect your Lutz Homeowner's Insurance premium. Older homes can often cost more to insure, and those costs can differ depending on whether your home is brick, frame, stone or has synthetic siding.

Location — Where your home is located can change your Lutz Homeowner's Insurance premium. For example, your home insurance rate can be affected if your home is in close to a fire station; is exposed to extreme weather, such as hurricanes, tornadoes or earthquakes; or is in a neighborhood more prone to theft.

Protective Devices — Burglar alarm systems, smoke detectors, fire extinguishers, sprinkler systems and deadbolt locks can lower your Lutz Homeowner's Insurance premium.

Personal Factors — What you do can affect your Lutz Homeowner's Insurance premium, too. For instance, smokers may pay more for home insurance than nonsmokers. A good credit history also can lower what you pay for home insurance.

Claims History — If you have a history of claims on a Lutz Homeowner's Insurance policy, you may pay a higher premium.

Discounts and Special Programs

There are many discounts are available on Lutz Homeowner's Insurance policies. For example, you may qualify for a discount if your home has an updated roof, a monitored alarm system, hurricane shutters or impact windows in Lutz.

Payment Options

In many instances your Lutz Homeowner's Insurance policy can be escrowed in with your mortgage. However, if you need to pay separately, many carriers now offer several convenient payment options.

Does my policy cover floods?

The fact is that Florida homeowner insurance does not cover damage caused by flood, and federal disaster assistance is only offered when the president declares a major disaster (which only happens in 50% of flooding situations).

Unfortunately, most people do not find this out until it is too late. However, flood insurance is available to protect homes and businesses and their contents in communities that participate in the National Flood Insurance Program.

Simply call 813-949-2995 or complete our online quote request form. A GreatFlorida Home Insurance Agent will help you find the best deal for you.

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About Homeowner's Insurance in Lutz, FL

GreatFlorida Insurance agents can easily explain the specific needs of your home in Lutz, FL. Along with mortgage requirements and the difference between dwelling, personal property, liability, medical payments and loss of use coverage as well as available discounts.

Get a Free Insurance Quote from your local GreatFlorida Insurance agent. They will help you find the most affordable options.

Your home is likely your most costly asset. It contains your belongings and valuables and more importantly your family and cherished memories.

After the overwhelming task of finding a new home in Lutz, it can be tempting to settle by purchasing a basic homeowner’s insurance policy that could leave you with inadequate coverage or paying for more coverage than you need.

GreatFlorida Insurance in Lutz, FL will make sure your homeowner’s insurance policy will provide adequate coverage to protect your home from fires, hurricanes, break-ins and more. Compensation for your financial loss will allow you and your family to continue living comfortably.

Florida Homeowners  Insurance Blog
by GreatFlorida Insurance

Gone are the days of hearing chainsaws as the soundtrack to our lives. Debris clean-up is complete. And schools and most businesses across the State are reopen. “Florida residents are anxious about getting their lives back to normal after Hurricane Irma,” says Ellsworth Buck with GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

While the return to ordinary life is welcome, many across the state are dealing with some kind of damage. Expectedly, Hurricane Irma property insurance claims continue to add up across the state. The Florida Office of Insurance Regulation, reported as of September 26, over $3.8 billion in losses so far. A total of 605,520 claims have been filed. These numbers represent residential as well as commercial claims. Dade county has the highest number of claims across the state.

In an effort to help property owners recover, the State’s insurance commissioner, David Altmaier has frozen insurance rate increases. He issued an emergency order temporarily suspending policy cancellations and rate increases by insurance companies. Insurance companies are prohibited from raising property insurance rates until December 3 of this year. They also cannot cancel or refuse to renew polices between September 4 through October 15.

Additionally, the order prevents the cancellation or nonrenewal of policies covering residential properties damaged by the hurricane until at least 90 days after the properties are repaired. Any cancellations or nonrenewals issued or mailed between August 25 and September 2 shall be withdrawn and reissued no earlier than October 15.

Aside from residential losses, Florida’s top industries are experiencing setbacks. “Hurricane Irma really hit the tourism and agricultural industries,” reports Buck from GreatFlorida Insurance, Florida’s top independent homeowners insurance agency.

This Sunday, the first cruise ship returned to the Florida Keys. An encouraging sign for tourism. Some areas in the Keys will officially welcome tourist October 1, while other locations are still dealing with clean-up. Many hotels in the region will not re-open until early October. Most golf courses throughout the state and big theme parks are already back in business.

However, the Palm Beach Post reports, widespread destruction of Florida’s agricultural industry. This fall we will experience, low inventory and high prices in grocery stores. Most damage happened in Southwest Florida. Citrus groves took the brunt of the storm. Nevertheless, sugar cane fields and  rice crops suffered much damage along with tomatoes and avocados. Vegetables including eggplants, bell peppers and lettuce were also hard hit.

The post Recuperating from Hurricane Irma appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

With Hurricane Irma’s path is still uncertain, preparations across Florida are underway. State officials are warning residents to prepare for the worst.

“Seeing the recent destruction caused by Hurricane Harvey, Floridians are taking this storm threat seriously, says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

What do you need?

For starters, assemble an emergency kit. Your emergency kit should contain at least the essentials. Consider making one to keep in your car and one at home. The Federal Emergency Management Agency, FEMA recommends:

  • Water-rule of thumb is one gallon per person per day for 3 days
  • Food-non-perishable items for at least 3 days for each person
  • A battery powered or hand crank radio
  • Flashlight with extra batteries
  • First aid kit
  • Multi-purpose tool, such as Swiss Army knife
  • Personal hygiene items
  • Plastic bag for trash
  • Map of your area
  • Medications
  • A copy of important documents- birth certificates, passport, insurance policies, etc.
  • Blanket
  • Emergency contact information
  • Cell phone and charger

Try to always keep at least half a tank of gas in your car in case you need to hit the road in hurry. Likewise, have some cash on hand or in your emergency kit. Also, know if you live in an evacuation area, get familiar with the evacuation routes.


Handling Insurance

Time is an asset. “As part of your preparations take a photo inventory, it is the simplest way to document your possessions,” suggests Buck with GreatFlorida Insurance. Snap pictures of your closets and drawers to show ownership of clothes and shoes. Take clear photos of jewelry, electronics, power tools, china and other valuables you might own. Date the photos and if possible list the purchase price. If anything is destroyed, this step is helpful when dealing with replacement costs regarding homeowners insurance and renters insurance.

Most homeowners insurance cover hurricane wind damage, but not flood damage. Flood insurance is provided by the National Flood Insurance Program. According to the National Oceanic and Atmospheric Administration, (NOAA), “Flooding is the most frequent and severe weather threat.” With 90 percent of natural disasters in the U.S. being flood related. Floods are also the costliest natural disaster.

Federal disaster assistance is only offered when the president declares a major disaster, which happens half of the time. The Insurance Information Institute, III reports that most insurers will not allow changes to be made to insurance policies once a hurricane watch or warning is issued by the National Hurricane Center.

What to expect?

The National Hurricane Center is reporting that Irma is currently a category 5 hurricane and “extremely dangerous.” Hurricane Wilma (category 5), hit Florida in 2005 leaving almost 4 million people statewide without electricity for several days. Widespread flooding and property damage is common during a severe storm preventing access to clean water and shutting down businesses.

Hurricanes cause storm surges and battering waves, producing an abnormal rise of water that can travel several miles inland. There is also flooding from heavy rains, along with wind and tornadoes.

Insurance is designed to help people rebuild their lives. GreatFlorida Insurance can help protect your home with a Florida flood insurance policy provided by the National Flood Insurance Program. We also offer homeowners insurance and renters insurance.






The post Preparing for Hurricane Irma appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

Recently, Consumer Reports published an article, “What you don’t know about homeowners insurance could cost you.” The article serves as an important reminder to review your policy before disaster strikes. Do not be caught overpaying on homeowners insurance while lacking the protection you expect or truly need.

“Purchasing a home is an overwhelming task, with so many details so when it comes time to get homeowners insurance, it is common to select inadequate coverage without knowing it,” says Ellsworth Buck, Vice President of GreatFlorida Insurance.

Homeowners insurance serves to protect you and your family from the anxiety of a worst-case scenario. Of course, if a catastrophe doesn’t occur, you probably don’t think much about it. Consumer Reports unveils some surprises to consider when selecting and reviewing your homeowners insurance. We examine some of them below.

Paying too much

Homeowners insurance requires a careful assessment of your risks and coverage needs. We recommend working with an independent agent who can compare premiums and isn’t beholden to just one company,” says Consumer Reports.

When selecting homeowners insurance, go with a company that offers flexibility in pricing. Independent insurance agents like the ones at GreatFlorida Insurance, comparison shop different insurance companies to find customers the best service at the best price. Captive agents at a company such as Allstate are restricted to only offer their company’s insurance products leaving you no other options for price. Switching insurers on your current policy could save you thousands.


Not enough coverage

A standard homeowners insurance policy covers the structure and outbuildings, contents of the home, liability if you are legally responsible for damage to others, medical payments if someone is injured on your property and additional living expenses if your home is uninhabitable due to a covered loss. Any additional coverage, you most likely will need to add.

Also, the amount of homeowners insurance required, is partially determined on the value of your home. Renovations will drive up the price of your home and your current insurance might not be sufficient to replace your new items, such as a new marble counter top if it is damaged.

However, renovations do not always mean an increase. Some upgrades such as window and door replacement or the installation of a security system can make you eligible for lower premiums or discounts.

Consider Flood Insurance

“It only takes inches of water in your home to cause thousands of dollars’ worth of damage,” reminds Buck with GreatFlorida Insurance. The Federal Emergency Management Agency (FEMA) declares flooding as the most common disaster in the U.S. With the storm frequency in Florida, every homeowner should have flood insurance. However, it is not included in homeowners insurance.

Nevertheless, flooding is not only caused by storms but overflowing tubs, toilets and sinks. Flood insurance is available to protect homes through the National Flood Insurance Program (NFIP). Your insurance agent can sell you a flood insurance policy through the NFIP, which is administered by the U.S. Government.

Contact GreatFlorida Insurance if you want to sign up for Flood insurance or review your homeowners insurance policy today.


The post Homeowners Insurance-Are you getting what you pay for? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

In case you have not heard, Monday, August 21, a total solar eclipse occurs. “This is the first time a solar eclipse is viewable from the continental U.S. since 1979,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

A solar eclipse happens when the moon passes between the sun and the Earth. According to NASA, this celestial event will last close to 3 hours. Only those on the within the path of totality will be able to view a 100 percent total solar eclipse. That path begins in Oregon and stretches to parts of Montana, Idaho, Wyoming, Nebraska, Iowa, Kansas, Missouri, Illinois, Kentucky, Tennessee, Georgia, North Carolina ending in South Carolina.


What can we see?

The solar eclipse will make its appearance in Florida at 1:15pm. While Florida will not see 100 percent of the solar eclipse, the best view will take place in the northeast part of the state. Jacksonville will view 90.5 percent of the sun covered. Less coverage is seen the further south of the state you are.

“Clouds will cause an obstruction, so we are hoping for clear skies that day,” says Buck with GreatFlorida Insurance, Florida’s top independent homeowners insurance agency.

Protect your eyes

It is easy to blow off the warnings about looking at the eclipse without the proper protection but don’t. While blindness might be an exaggeration, serious eye damage can occur. The National Eye Institute reports, solar retinopathy is a condition caused by staring at the sun. It occurs when sunlight burns and potentially scars the retina. Symptoms include central graying and fuzziness of vision.

The American Astronomical Society (AAS) informs, the only safe way to view even a partial eclipse is through special purpose solar filters such as eclipse glasses or a hand held solar viewer. It is important to make sure your viewing accessories are certified and safe, meeting the ISO 123212-2 international safety standard. Take caution when purchasing solar eclipse glasses. Counterfeit versions are flooding the market. Your solar viewing device must also be free of scratches, punctures, torn or damaged. Public libraries are providing free solar eclipse glasses but most are already gone.

Retailers selling reputable solar eclipse glasses include:


Best Buy

Circle K


Pilot/Flying J

Toys “R” Us


Schools are aware of the dangers the solar eclipse can cause to the eyes and many are moving activities inside during the eclipse. Check with your school to see what precautions they are taking for this rare event.

Contact GreatFlorida Insurance to keep your home and valuable protected with reliable homeowners insurance.


The post What you need to know about the solar eclipse appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

Most people know Florida as the lightning capital in the U.S. A legitimate claim considering lightning struck seven homes in the Panama City area last week, during a severe thunderstorm. In fact, last year Florida paid out the most in homeowners insurance claims from lightning strikes and electrical surges. 10,385 claims totaled $67.8 million according to the Insurance Information Institute (III).

“As long as your home is sufficiently covered by your homeowners insurance policy, you are covered for lighting strikes and related damage,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency. Actually, lighting falls under “perils” in your homeowners insurance coverage.

Since we are in the midst of storm season, we want to familiarize you with the following tips on how to protect you and your home during a thunderstorm.


Safety Tips

The best place to be during a thunderstorm is inside your home or office. Do not touch anything that can conduct electricity including: electrical appliances, metal surfaces such as a sliding door or anything connected to your plumbing system. Avoid anything served by your gas lines such as water heaters, ovens, furnaces and fireplaces.

Additionally, lightning strikes can be responsible for power surges- a sudden spike in electricity that can cause real damage. Most homeowners insurance policies including those at GreatFlorida Insurance offer financial protection against power surge damage.

As a general rule of thumb, Great Florida Insurance recommends you annually review your homeowners insurance. Make sure your coverage is consistent with the current replacement cost of your home and valuables. In the unfortunate event of a lightning strike and resulting damage to your home.

Lightning Protection System

A lightning protection system is designed to protect a structure. The Lightning Protection Institute (LPI) describes a lighting protection system as, “The highly conductive copper and aluminum materials used in a lighting protection system provide a low resistance path to safely ground lightning’s dangerous electricity.” Essentially, an updated version of the lightning rod.  It intercepts a strike and directs it to the ground without impact to the structure, occupants or contents.

Surge Protection Device

A surge protector offers some safety to your electronics from power surges and strikes. Do not confuse it with a power strip, which merely offers more electrical outlets and does not offer any real protection from electrical issues. explains, surge protectors offer some level of protection against power spikes. The level of protection varies based on how many joules, (unit of energy). “Generally, the more the joules, the better.”

For this reason, protect your home from damage that can occur from lightning strikes, power surges and fire with a homeowners insurance policy from GreatFlorida Insurance.



The post When lightning strikes your home appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

Beginning midnight on August 4, through 11:59 p.m. August 6, Florida will enjoy a back-to-school sales tax holiday. From Friday through Sunday, tax is exempt from shoes, clothes, some electronics and school supplies.

“Florida legislators were a bit more generous this year by increasing some of the amounts per item,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent home insurance agency.

However, this benefit is not only for students. Anyone buying clothes, shoes, office supplies and computers this weekend can get in on the savings. The National Retail Federation expects back-to-school shopping to hit an all-time high this year. The sales tax discount also applies to eligible items ordered online at places such as,, and

The Florida Department of Revenue provides the details on what exactly is tax exempt.

Back to School Tax Holiday Poster

School Supplies

Tax free school supplies include; pens, pencils, erasers, crayons, notebooks, notebook paper, binders, legal pads, lunch boxes, construction paper, markers, folders, poster board, composition notebooks, scissors, cellophane tape, glue, paste, rulers, computer disks, protractors, compasses and calculator. School supplies must cost $15 or less per item. There is no limit on the number of items purchased.


Clothing, shoes and certain accessories costing $60 or less per item will not be taxed. Again, there is no limit on the number of items you can buy in this category. The clothing category is broad and is defined as, “apparel worn on or about the human body.” This includes items such as; athletic clothes and uniforms, baby clothes, bathing suits, youth only bike helmets, orthopedic items, choir robes, undergarments, costumes, formal clothing, suits, rain coats, sleepwear, shoes, boots, slippers, cleats, ties and more. Tax free accessories include; wallets, bags, back packs, purses, hats, gloves, hair accessories, scarves, belts and more.

Keep in mind, what is and is not taxable can be hard to determine if you are looking for something in particular. For instance, a snow ski suit is tax exempt but not ski boots. A fishing vest in tax exempt, but not fishing waders. Other items that are not tax exempt include, make-up bags, duffel bags, jewelry, watches and athletic gloves.

Computers and Accessories

“Fortunately, computers are back on the tax-exempt list,” reports Buck with GreatFlorida Insurance, Florida’s top independent homeowners insurance agency.

Personal computers and certain computer accessories purchased for noncommercial home or personal use are tax free. Each item must cost less than $750. Items include; laptop, desk top, tablets, ebook readers, hard drives, headphones, keyboards, modems, scanners, printers, printer cartridges, routers, software, web cameras and more. Video game consoles and cell phones are not included.

Retailers are competitive during this busy shopping weekend, so take advantage of the deals.

If you are looking for reliable and affordable homeowners insurance, give GreatFlorida Insurance a call.


The post Tax free weekend appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

Gov. Rick Scott was not satisfied with the $82.4 billion budget passed during the year’s legislative session. In hopes of overhauling part of the state’s budget, he called a special three-day session.

The Orlando Sentinel reports, that with both sides bickering on the second day, it looked as if nothing would be accomplished. Accusations of a “back room” deal and a “fake narrative,” threatened success for the special session.

“In the end, law makers worked together and emerged victorious,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.


Below is a summary of what passed.

Public Schools-Public schools, PreK-12 received more money. An additional $100 was granted per student, raising funding 1.4 percent. While the increase was a step in the right direction, it is still below the national average.

Higher Education-State colleges and universities were given additional money for construction projects.

Environmental-$50 million will be provided to repair the Herbert Hoover Dike surrounding Lake Okeechobee to prevent runoff from the lake, causing toxic algae blooms.

“Toxic algae blooms are what people were describing as “awful smelling”, “blue/green slime,” that kept them from swimming in coastal waters around Martin, St. Lucie, Lee and Palm Beach counties,” reminds Buck with GreatFlorida Insurance, Florida’s leading independent homeowners insurance agency.

Medical Marijuana-Rules were established to implement Florida’s new medical marijuana program approved by voters in November. Among them, a ban on smoking marijuana and dispensaries must be 500 feet from school property. Also, additional treatment centers will set up around the state.

Economic Incentives-Increased funding for Visit Florida, the official Florida tourism industry marketing corporation. In addition, an $85 million job growth grant that will remain under Gov. Scott’s control.

GreatFlorida Insurance offers homeowners insurance policies from several reputable and affordable carriers. Go online for a free quote today.


The post Florida Special Legislative Session Outcome appeared first on The GreatFlorida Insurance Blog.