Top Agents Near You in St. Petersburg, FL

St. Petersburg’s structures are vulnerable to hurricane and tropical storm damage due to catastrophic wind and flooding because it is located on the Gulf Coast. Other common claims are theft or burglary, structure fire, mold or mildew damage, and liability claims for dog bites or other injuries.

Understanding what types and levels of coverage are common in your area and what is typically covered by home insurance may assist you in selecting appropriate types and levels of coverage.

Your renters insurance can depend on the following factors:

• Credit score
• Location
• Claims history
• Home’s features
• Deductible amount
• Coverage limits
• Pets
• Additional policies

An at-fault accident on your record will raise your car insurance rates as well. Having an accident on your record in St. Petersburg significantly raises the average rate for a full coverage policy.

If you rely financially on someone else, you should consider purchasing life insurance. Life insurance proceeds, known as the “death benefit,” can be used for any purpose. Beneficiaries of life insurance policies can use the proceeds to cover final expenses, replace lost income, pay off a mortgage or other debts, fund a child’s education, and more. In most cases, life insurance proceeds are not subject to federal income taxes.