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Homeowners Insurance  »  Florida  »  

Pinellas Park

TGS Insurance Agency: Making Home Insurance Simple with Expert Service and Great Rates

 

TGS Insurance Agency is proud to be an independent agency working with over 55 top-rated insurance carriers. This enables us to offer you a diverse range of comprehensive home insurance solutions designed to meet your unique needs. We make the home insurance shopping process easy by taking on the hard work for you. Our dedicated agents start with an instant, free quote and continue to customize your coverage, uncovering all potential discounts along the way. Our commitment to superior service ensures you get the best protection and savings without any hassle. We shop. You save. It’s truly that easy with TGS Insurance Agency.

 

Basic Home Insurance Coverages in Pinellas Park, Florida

 

Here’s a quick guide to the six essential coverages in a Pinellas Park, Florida home insurance policy:

  1. Dwelling Coverage
    • Repairs or rebuilds your home if damaged by events like fire or storms.
  2. Other Structures Coverage
    • Protects structures like detached garages and fences.
  3. Personal Property Coverage
    • Covers your belongings if they’re stolen or damaged.
  4. Loss of Use Coverage
    • Pays for extra living costs if your home is uninhabitable.
  5. Personal Liability Coverage
    • Covers costs if you’re responsible for someone’s injury or property damage.
  6. Medical Payments Coverage
    • Pays for medical bills if a guest is injured on your property.

 

Having these coverages at the base of every standard home policy allows everyone to be somewhat protected. You can choose whether or not you have more coverage in one area compared to another. All of this is based on your unique lifestyle in Pinellas Park.

 

What is the Average Cost of Home Insurance in Pinellas Park?

 

In Pinellas Park, the typical annual cost of home insurance for TGS Insurance customers is $3,049. The actual price of your policy can vary based on several factors, including your home’s value and age, its location, and your credit score. Our experienced agents are here to assist you in finding the right coverage at a price that fits your budget. We’ll work with you to tailor your policy to your needs, ensuring you receive the protection you need without compromising on essential coverage.

 

Average Homeowners Insurance Costs by Coverage Limit in Pinellas Park

 

The coverage limits for dwelling coverage play a significant role in determining your home insurance premium. Dwelling coverage is designed to cover the cost of repairing or rebuilding your home if it’s damaged or destroyed by a covered event. Higher coverage limits provide greater protection by ensuring that sufficient funds are available to rebuild your home in the event of a total loss. However, this increased protection comes at a cost, as higher coverage limits result in higher premiums. This is because the insurance company assumes more risk by committing to pay a larger sum in the event of a claim. Consequently, balancing adequate protection with affordability is essential, ensuring your dwelling coverage limit is sufficient to cover rebuilding costs while keeping your premium manageable. Below are the average annual costs for home insurance in Pinellas Park, Florida, based on different dwelling coverage limits within your policy.

 

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$200,000 - $299,999$2,813
$300,000 - $399,999$3,079
$400,000 - $499,999$3,605
$500,000 - $599,999$4,619
$600,000 - $699,999$5,275

 

Pinellas Park Home Insurance Rates By Home Age

 

The age of a home plays a crucial role in determining home insurance rates. Insurers typically charge higher premiums for older homes because they are more likely to have outdated infrastructure, such as electrical systems, plumbing, and heating, which can increase the risk of fires, water damage, and other costly incidents. Older homes may also be built with materials that have deteriorated over time or do not meet contemporary safety standards. In contrast, newer homes usually benefit from modern construction practices, enhanced safety features, and up-to-date building codes, all of which contribute to a lower likelihood of damage and, therefore, lower insurance premiums.

 

What Affects Home Insurance Rates? A Look at Carrier-Specific Factors

 

The cost of home insurance can differ markedly between carriers because of various factors. Each insurer applies its own risk assessment criteria, which include the location, age, and condition of the home, as well as the homeowner’s claims history and credit score. Additionally, carriers offer different discounts, such as those for combining policies, adding security systems, or maintaining a clean claims record. The way insurers account for regional risks and previous natural disasters can also affect premiums. The carrier’s level of customer service and financial stability can influence rates as well, with established companies potentially charging more for their reliability and extensive coverage options. Therefore, homeowners should seek quotes from multiple carriers to ensure they get the best coverage at a competitive price.

 

Covered Zip Codes in Pinellas Park

 

  • 33780
  • 33781
  • 33782

Is your zip code not listed? Don’t worry! We support homeowners throughout Florida in finding the best home insurance coverage. Get started with a free instant quote by providing your address above.

 

TGS Insurance is Pinellas Park's Premier Home Insurance Provider

Pinellas Park neighborhood

Pinellas Park, Florida, located in the Tampa Bay area, is known for its equestrian events, cultural venues, and family-friendly parks. The city offers a suburban lifestyle with a strong sense of community and easy access to nearby metropolitan amenities.

Pinellas Park neighborhood

TGS Insurance Agency delivers top-tier home insurance solutions to our valued Pinellas Park community members. Our dedicated team ensures you receive the best coverage and customer care. Obtain a free quote today and enjoy the peace of mind you deserve.

Key Home Statistics in Pinellas Park

53,456

Total Population in Pinellas Park, FL

$323,067

Average Home Value in Pinellas Park, FL

$62,306

Median Household Income in Pinellas Park, FL

44

Median Age in Pinellas Park, FL

Trust TGS Insurance in Pinellas Park

Data as of December 09, 2024

24,189

Total
Customers

$10.1 B

Total Assets Covered Projected

24,000

Total Homes Insured

9,000

Total Vehicles Insured

Local Home Resources in Pinellas Park, FL

Fire Departments
City Of Pinellas Park Fire Department5141 78th Ave N
Pinellas Park, FL 33781
7275410705
Pinellas Park Fire Dept5000 82nd Ave N
Pinellas Park, FL 33781
(727) 541-0713
Pinellas Park Firefighters5141 78th Ave N
Pinellas Park, FL 33781
7275410705
Police Departments
Florida Police Chiefs Association Inc5141 78th Ave N
Pinellas Park, FL 33781
7275410705
Florida Police Chiefs Association IncPO Box 1100
Pinellas Park, FL 33780
7275410705
Florida Police Chiefs Association Inc5851 Park Blvd N
Pinellas Park, FL 33781
7275410705
Pinellas Park Police Dept7700 59th St N
Pinellas Park, FL 33781
7275410760
Pinellas Park Police-Criminal7700 59th St
Pinellas Park, FL 33782
7275410762
Pinellas Park Police-records7700 59th St N
Pinellas Park, FL 33781
7275410765
Pinellas Park Police-vctm Asst7700 59th St N
Pinellas Park, FL 33781
7275410766