Home Insurance Through an Independent Agent in Lutz, Land O’Lakes, Wesley Chapel & New Tampa

Home InsuranceHome insurance became a lot more complicated for Floridians in the years that followed the devastating hurricane seasons of 2004 and 2005. Several major carriers pulled out of the state altogether, and many thousands of Florida residents were left scrambling to find new policies. If you are a homeowner in Lutz, Land O’Lakes, Wesley Chapel, New Tampa, or elsewhere in the Tampa Bay area, Shoemaker & Associates Insurance is here to help cut through the confusion and find you the best homeowners insurance policy available.

Everyone’s home insurance needs are unique. There are a number of factors that determine the cost of homeowners insurance premiums, including:

  • Susceptibility to natural disasters, such as hurricanes and wildfires
  • The age and condition of the home, including plumbing, the electrical system, and the roof
  • Distance from emergency services, especially the fire station
  • The presence (or lack) of a home security system
  • The presence (or lack) of a swimming pool on the property
  • Crime rates in the immediate vicinity

The amount of the deductible is also a factor, as is the market value of the home. The independent agents at Shoemaker & Associates Insurance take these and other factors into account as we compile a comprehensive report on your home insurance options. Because we are independent, we are not locked in to the rates offered by just one carrier. We work with a wide network of reputable carriers, giving us the flexibility to find just the right policy for you. To get started, contact Shoemaker & Associates Insurance today.

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