East Bay Insurance
117 Flamingo Drive, Apollo Beach, FL 33572
View this agency's profile to learn more about their services.
Loading...
City directory
Apollo Beach 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.
117 Flamingo Drive, Apollo Beach, FL 33572
View this agency's profile to learn more about their services.
5954 Frond Way, Apollo Beach, FL 33572
View this agency's profile to learn more about their services.
100 Frandorson Cir, STE 101, Apollo Beach, FL 33572
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Apollo Beach residents.
Apollo Beach home insurance guide covering flood, hurricane, and canal property risks. Get quotes for waterfront homes with Tampa Bay access. 2025 rates & tips.
Car InsuranceApollo Beach auto insurance guide: Florida's no-fault PIP requirements, 10/20/10 minimums, hurricane coverage, and local rate factors in Hillsborough County.
General Insurance EducationEssential insurance guide for Apollo Beach, FL homeowners. Learn about flood zones, hurricane coverage, and costs for waterfront properties in this Tampa Bay community.
While it's not legally required outside high-risk zones, it's strongly recommended. Apollo Beach has 55 miles of canals connected to Tampa Bay, and storm surge can reach well beyond mapped flood zones during major hurricanes. Additionally, starting in 2026-2027, Florida will require flood insurance to obtain Citizens wind coverage, making it effectively mandatory for most homeowners regardless of official flood zone designation.
Costs vary significantly based on your home's value, age, construction, and specific location. Expect to pay $3,000-$6,000+ annually for homeowners wind coverage, plus $850-$2,000+ for flood insurance depending on your risk zone. Waterfront properties on finger islands or canal-front lots in high-risk flood zones typically pay at the higher end of these ranges or even more.
Standard policies typically include "other structures" coverage at 10% of your dwelling coverage, which should cover docks and boat lifts for wind damage. However, some policies limit or exclude coverage for structures over water, so verify your specific policy language. Flood insurance generally doesn't cover docks and piers, as they're considered structures in, on, or over water.
Florida policies typically have separate hurricane deductibles that apply when a hurricane is officially declared, usually expressed as a percentage (2%, 5%, or 10%) of your dwelling coverage rather than a flat dollar amount. On a $500,000 home with a 5% hurricane deductible, you'd pay $25,000 out-of-pocket before insurance covers hurricane damage. Regular deductibles ($1,000-$2,500) apply to other covered claims.
Absolutely. Wind mitigation features like impact-resistant windows, hurricane shutters, and reinforced roofs can reduce your premiums by 20-40% or more. Roofs under 15 years old typically qualify for better rates, while roofs over 20 years old may face surcharges or coverage restrictions. Get a wind mitigation inspection to document these features—the cost is usually recovered within 1-2 years through premium savings.
First, ensure everyone's safety and only return when authorities say it's safe. Document all damage with photos and video before making any repairs. Contact your insurance company immediately to start the claims process—don't wait days or weeks. Make temporary repairs to prevent further damage (tarping a roof, boarding broken windows), save receipts for these expenses, and don't make permanent repairs or dispose of damaged items until your adjuster has inspected everything.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network