Smartinsure
1420 Celebration Blvd, #200, Celebration, FL 34747
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1420 Celebration Blvd, #200, Celebration, FL 34747
View this agency's profile to learn more about their services.
1420 Celebration Blvd, Suite 200, Celebration, FL 34747
View this agency's profile to learn more about their services.
690 Celebration Avenue, Suite 220, Celebration, FL 34747
View this agency's profile to learn more about their services.
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No, you don't need a separate hurricane policy. Hurricane damage is covered under your standard Florida homeowners insurance policy. However, you will have a separate hurricane deductible—typically 2%, 5%, or 10% of your home's insured value—which is much higher than your regular deductible. This means if your home is insured for $500,000 with a 2% hurricane deductible, you'll pay the first $10,000 of hurricane damage out of pocket.
Most of Celebration is in low-to-moderate flood risk zones, so flood insurance typically isn't required by mortgage lenders. However, if you have Citizens Property Insurance, state law now requires flood coverage for many policyholders, even outside high-risk zones. By 2027, Citizens will require it for any home with wind protection. Given that over 20% of flood claims come from moderate-risk areas, it's wise to carry flood insurance regardless of requirements.
The average Florida homeowners insurance premium is currently $3,815 per year, though costs vary based on your home's value, age, construction type, and chosen deductibles. With Celebration's higher-than-average property values (median around $870,000 for single-family homes), you'll likely pay above the state average. The good news is that rates are stabilizing in 2026, with Citizens planning an average 8.7% rate reduction statewide.
No, your HOA fee covers community amenities, common area maintenance, and the HOA's master insurance policy for shared structures. Your personal homeowners insurance is separate and covers your dwelling, personal belongings, and personal liability. The HOA's insurance only covers common areas like parks, pools, and community buildings—not your individual home or possessions inside it.
If you're unable to find coverage in the private market, you can apply for coverage through Citizens Property Insurance, Florida's insurer of last resort. However, Citizens has seen significant policy reductions and is actively depopulating, meaning more private insurers are entering the market and offering competitive rates. With 17 new insurance companies entering Florida recently and Citizens' policy count dropping 50%, you have more options now than in recent years.
Always choose replacement cost coverage for both your dwelling and personal property in Celebration. With the town's specific architectural standards and high property values, rebuilding your home to meet HOA requirements will be expensive. Replacement cost coverage pays to rebuild or replace items at current prices, while actual cash value deducts depreciation—leaving you significantly underfunded after a major loss.
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