Anzar Insurance Group LLC
160 E Summerlin St, Ste 305, Bartow, FL 33830
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160 E Summerlin St, Ste 305, Bartow, FL 33830
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1240 E Lime Street, Bartow, FL 33830
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1350 E Main St Bldg A, Ste 4, Bartow, FL 33830
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1410 E Georgia St, Bartow, FL 33830
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Learn about insurance coverage options specific to Bartow residents.
Bartow residents save on insurance vs coastal FL. Learn about 2026 auto law changes, homeowners rates, flood coverage, and local agents. Updated Jan 2026.
Home InsuranceBartow home insurance costs $971-$1,316/year. Learn about flood risk, sinkhole coverage, historic property protection, and 2026 rate decreases.
Car InsuranceBartow drivers face big changes in July 2026 when Florida eliminates no-fault PIP. Learn current requirements, costs, and how to prepare for the new system.
Currently, you need $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability. However, starting July 1, 2026, Florida is eliminating PIP and requiring $25,000 per person and $50,000 per accident in bodily injury liability coverage, plus $5,000 in medical payment coverage. This represents the biggest change to Florida auto insurance in over 50 years.
Yes, significantly cheaper. Inland Central Florida cities like Bartow typically see homeowners insurance premiums around $3,000 annually, while coastal areas can easily exceed $6,000 to $10,000 per year. Bartow's location approximately 40 miles inland from Tampa means lower hurricane wind risk, which directly translates to lower insurance costs.
Yes, you should strongly consider it. During Hurricanes Milton and Helene, severe flooding reached Bartow despite being 40 miles inland. Nearly one-third of flood insurance claims come from outside high-risk flood zones. Additionally, all Citizens Property Insurance policyholders must purchase flood insurance by 2027, and it's required for mortgaged homes in moderate- or high-risk flood zones.
Flood insurance in Bartow's low-risk areas can cost as little as $400 per year, though the Florida average for NFIP policies is $2,213 annually. Your exact cost depends on your specific FEMA flood zone, your home's elevation, and the coverage amount you choose. Given Bartow's inland location, most homes fall into lower-risk zones with correspondingly lower premiums.
They're actually going down for many policyholders. After years of increases, rates are stabilizing, and Citizens Property Insurance is reducing rates by an average of 8.7% starting in spring 2026. Inland areas like Bartow could see flat rates or decreases of up to 10%. This positive trend may continue if the state avoids major hurricanes.
Install hurricane-resistant features like impact windows, reinforced roof-to-wall connections, and upgraded roof coverings. Florida insurers must by law offer discounts for approved wind mitigation features. The My Safe Florida Home program provides grants to help pay for these improvements, and the premium savings often pay for the upgrades within a few years.
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