St. Petersburg is every beach lover’s favorite place with miles of white sand and lively vibes. Along with that it also a sought-after destination for boating, fishing, and various activities. Due to its proximity to the coast and its urban lifestyle, there are variety of risks residents can face during flooding and hurricane season.
With that in mind, having the right kind of protection is a requirement for existing and potential residents. This where various coverages such as, homeowners, car, rental and life insurance come in handy.
Don’t put off getting insurance until it’s too late; get it now. Contact a local insurance agent to learn more about different types of personal insurance and to set up a policy.
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Popular Insurance Coverage in St. Petersburg
While you may need a variety of insurance policies to protect your property, you are not required to purchase all of them in St. Petersburg. Your specific needs and requirements dictate the type of insurance policy you select.
Here are some popular coverages in St. Petersburg:
- Personal Liability Insurance
- Property Insurance
- Dwelling Coverage
- Additional Living Expenses
- Windstorm Coverage
- Flood Insurance
- Personal Injury Protection (PIP)
- Property Damage Liability
- Bodily Injury Liability
- Collision Coverage
- Personal Property
- Loss of Use
- Term Life Insurance
- Universal Life Insurance
- Whole Life Insurance
Average Insurance Cost in St. Petersburg
The cost of insurance in St. Petersburg is influenced by a number of factors. The type of coverage you need, the amount of coverage you need, and the deductible you choose all have an impact on your premium. Furthermore, where you live and drive in St. Petersburg can affect the cost of your insurance.
The following are the average rates for various coverages:
Type of Insurance Average Annual Premium Rates
- Homeowners Insurance $1,222
- Home Insurance $2,194
- Business Insurance $239
- Life Insurance $627
Frequently Asked Questions
What are some of the most common St. Petersburg home insurance claims?
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.
What factors affect renters insurance in St. Petersburg?
Your renters insurance can depend on the following factors:
- Credit score
- Claims history
- Home’s features
- Deductible amount
- Coverage limits
- Additional policies
Does an at-fault accident increase car insurance rates in St. Petersburg?
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.
Who needs life insurance in St. Petersburg?
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.