Tony Blankenship Insurance
249 Maitland Ave, Suite 2300, Altamonte Springs, FL 32701
View this agency's profile to learn more about their services.
Loading...
City directory
Altamonte Springs households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
249 Maitland Ave, Suite 2300, Altamonte Springs, FL 32701
View this agency's profile to learn more about their services.
283 Cranes Roost Boulevard, Suite 108, Altamonte Springs, FL 32701
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Altamonte Springs residents.
Home insurance in Altamonte Springs costs $2,300-$3,500/year. Learn about hurricane deductibles, wind mitigation discounts, and lakefront coverage.
Car InsuranceCompare auto insurance in Altamonte Springs, FL. Learn about Florida's no-fault PIP requirements, average rates ($2,300-3,000/year), and I-4 corridor factors.
Car InsuranceAltamonte Springs drivers pay $2,299/year for car insurance. Learn how I-4 traffic affects rates and discover discounts that can save you up to 40%.
General Insurance EducationComplete insurance guide for Altamonte Springs, FL. Learn about Florida's PIP requirements, hurricane coverage, flood insurance, and Citizens Property Insurance.
Most Altamonte Springs homeowners pay between $2,300-$3,500 annually for home insurance, though costs vary based on your home's age, value, location, and construction features. Newer homes (under 25 years old) typically see lower rates around $2,100, while older homes average closer to $2,900. Lakefront properties and homes with higher insured values will pay more.
A hurricane deductible is calculated as a percentage of your home's insured value, typically 2%, 5%, or 10%, rather than a flat dollar amount. For example, if your home is insured for $300,000 with a 2% hurricane deductible, you'd pay the first $6,000 of hurricane damage before insurance coverage begins. The good news is this deductible only applies once per calendar year, even if multiple hurricanes cause damage.
Absolutely. Wind mitigation features can reduce your premium by up to 38%, potentially saving over $1,500 annually on older homes. A wind mitigation inspection costs just $75-$150 and evaluates features like hurricane shutters, impact-resistant windows, roof shape, and reinforced roof attachments. Homes built after 2002 typically already have many qualifying features thanks to stricter Florida building codes.
It depends on your property's location and elevation. Standard homeowners policies don't cover flooding, and if you have a mortgage on a lakefront or low-lying property, your lender may require flood insurance. Many areas of Altamonte Springs aren't in high-risk flood zones, but it's worth checking your property's FEMA flood map designation and discussing options with your insurance agent.
Citizens is Florida's state-backed insurer of last resort, available to homeowners who can't find affordable coverage in the private market. They reduced rates by 5.6% in 2025 and provide solid coverage comparable to private insurers. You're eligible if you've been denied by at least one private carrier or if private quotes significantly exceed Citizens' rates, making it a viable option during Florida's challenging insurance market.
Lakefront homes face higher premiums because insurance companies view them as having greater wind exposure during hurricanes due to less natural windbreak from trees and structures. These properties also face potential water damage from multiple directions during severe storms. Additionally, some lakefront properties may require separate flood insurance depending on elevation and loan requirements, adding to overall insurance costs.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network