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Pinellas County, FL Homeowners Insurance Quotes

A Pinellas County home insurance policy can protect your home from major damages due to fires, lightning, hurricanes, high winds, theft, falling objects and even vandalism. This type of coverage is known as a basic or standard Florida home insurance policy.

Coastal Pinellas County Home Insurance

It's also important to know that flood protection is crucial for coastal areas like Pinellas County that are prone to hurricanes and tropical storms. We recommend you speak with your home insurance agent if you have questions about your coastal policy coverage. Flood insurance coverage is not part of your standard home insurance policy, but can easily be bundled to help give you the added protection you need. We offer an easy way to review the best flood insurance rates for Pinellas County, please give us a call at 888-620-1954 for completitive flood insurance rates in your area.

Average Pinellas County Rates & Savings!

When discussing homeowners insurance coverage within or nearby Pinellas County, residents are finding great ways to save time and money by getting cheaper premiums when they shop online because you can compare prices and coverages. Florida may not be considered the most expensive state in the country to buy home insurance, but it does rank higher than average at a nationwide rank of 1. Homeowners within Pinellas County, FL are currently paying $2165 for home insurance on average, where the majority of the U.S. homeownership population pays around $1,249. These average home insurance rates reflect the cost of a standard homeowners policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage. Let us help you shop lower rates with savings up to 40% or more and compare up to 12 competitive quotes for you today! Start a Pinellas County home insurance quotes request by entering your zip code or Call Us 1-888-685-4704.

For all Pinellas County, FL residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Pinellas County? Simply enter your zip code to get your Florida homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Pinellas County, FL Housing Demographics

With 916,542 residents living within the Pinellas County area there are over 503,634 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 234,268 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Pinellas County.

DemographicValues
Total Occupied Households415,876
Family Households (families)234,268
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units503,634

Pinellas County, FL Coastal Wind, Hail & Flood Information

For all homeowners living in Pinellas County (FIPS: 12103), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Florida is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Pinellas County, FL, it's important that you look into hurricane and windstorm insurance options.

Pinellas County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of Florida.

Helpful Articles:

Pinellas County, FL Home Insurance Average Premiums

Local Pinellas, FL homeowners insurance quotes comparison

$1,735 /yr.

Florida's Average Home Insurance Rates Overall

For the state of Florida, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 1 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$929 /yr.
Current Average Cost:$1,735 /yr.
Maximum Range:$2165 /yr.

Pinellas County, FL Coastal Wind, Hail & Flood Information

Pinellas is a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal county of Pinellas is know for it's beautiful beaches and waterways. Because Pinellas County (FIPS: 12103) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Pinellas County.

Coastal Pinellas County Information: To obtain flood insurance coverage, the process usually takes more than 30 days to finalize, if you need flood insurance coverage now, please call us at 888-620-1954.
For more information about your area, please click Coastal Homeowners Insurance in Florida

Florida Homeowners Insurance News & Information

  • Florida has 7 New Home Insurance Companies Entering the Market Posted on Friday 1st March, 2024

    Recently, Florida has seen seven new insurance companies enter the market for homeowners coverage. Currently, the average premium for homeowners coverage is $6,000 a year in the Sunshine state compared to a nationwide average of just $1,700 a year, according to the Insurance Information Institute.  The Insurance Information Institute is hopeful that the new insurance […]

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • Florida Homeowners Advance From Citizens into Private Companies Posted on Tuesday 5th December, 2023

    Homeowners Choice Property and Casualty Insurance Co. has assumed approximately 53,750 policies from Citizens Property Insurance Corp., Florida’s state-backed insurance company, the parent company says in a Tuesday news release. Homeowners Choice is owned by HCI Group Inc., a holding company with operations in homeowners insurance, information technology services, real estate and reinsurance. Homeowners Choice […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • Fall 2023: Florida Homeowners Insurance Premium Update Posted on Tuesday 24th October, 2023

    Despite the fact that the Florida legislation finally passed a couple of bills to deal with the ever-increasing cost of homeowners insurance, it seems unlikely that premiums will start to fall anytime soon according to a report put out by Karen Clark & Company (KCC), a risk modelling firm. The recent report, titled “Managing Expectations: […]

  • Citizens Property Insurance Corporation Citizens Property Sends Out Letters Posted on Wednesday 27th September, 2023

    Soon, hundreds of thousands of Citizens Property Insurance Company policyholders will be getting a letter in their mailbox asking them to move their policy to a private insurance company and away from Citizens, the state-backed insurer of last resort. Citizens Property is using the letters as part of its “Depopulation” effort that was approved by […]

  • 5 New Homeowners Insurance Companies Step into the Florida Insurance Market Posted on Wednesday 27th September, 2023

    Florida’s property insurance disaster may be taking baby steps in the right direction as five new insurers step into the Florida market, taking over hundreds of thousands from Citizens Property, Florida’s insurer of last resort. This could lead to more insurance options for residents of the Sunshine State soon. The five companies in the mix […]

  • Why is Florida homeowners insurance so expensive? Posted on Friday 22nd September, 2023

    Homeowner insurance premiums are dramatically heading up this year, particularly in states that are prone to natural disasters. According to a new report from Policygenius, the average homeowner policy went up 21% nationally which is on top of a 12% increase that homeowners endured last year.  As usual, Florida is at the top of the […]

Discounts For Homeowners in Pinellas County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Florida homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Pinellas County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Pinellas County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Pinellas County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Pinellas County Housing & Real Estate Data

Details:Statistics
Total Housing Units503634
Occupied Housing Units415876
Vacant Housing Units87758
Vacant Housing Units for Rent20801
Vacant Housing Units Rented Not Occupied836
Vacant Housing Units For Sale10610
Vacant Housing Units Sold Not Occupied1566
Vacant Housing Units For Seasonal Occasional Use39103
Vacant Housing Units All Other Vacants14842
Housing Units Homeowner Vacancy Rate Percent4
Housing Units Rental Vacancy Rate Percent13
Housing Tenure Occupied Units415876
Housing Tenure Occupied Units Owner Occupied280458
Housing Tenure Occupied Units Owner Occupied Population610268
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied135418
Housing Tenure Occupied Units Renter Occupied Population286596
Housing Tenure Occupied Units Renter Occupied Average Household Size2