Question 1

Do I need separate hurricane insurance in Clermont?

Accepted Answer

Yes. Standard home insurance policies in Florida exclude windstorm damage, which includes hurricane winds. You'll need a separate wind policy through Citizens Property Insurance or a private carrier. This typically costs $1,500-$2,500 annually depending on your home's construction, age, and protective features like impact windows or hurricane shutters.

Question 2

Is flood insurance required in Clermont?

Accepted Answer

Flood insurance is required by mortgage lenders if your home is in a FEMA high-risk flood zone, which includes areas near the Chain of Lakes and Palatlakaha River. Even if it's not required, it's worth considering—Clermont gets heavy rainfall during hurricane season, and standard home insurance doesn't cover flood damage. Policies start around $500 annually for low-risk areas.

Question 3

Should I get sinkhole coverage for my Clermont home?

Accepted Answer

It depends on your home's location and age. Clermont sits in an active sinkhole zone, and Lake County reports hundreds of sinkhole incidents each year. Standard policies only cover catastrophic ground collapse, not the gradual settling that causes cracks and foundation issues. Optional sinkhole coverage costs $500-$1,000 annually and is especially worthwhile for older homes or properties near lakes.

Question 4

How much does home insurance cost in Clermont, Florida?

Accepted Answer

Most Clermont homeowners pay $3,200-$4,800 per year for a complete insurance package, including both standard homeowners coverage and a separate wind policy. This is significantly higher than the national average due to Florida's hurricane exposure, sinkhole risks, and rising construction costs. Your actual cost depends on your home's value, age, construction type, and the protective features you've installed.

Question 5

What discounts are available for Clermont homeowners insurance?

Accepted Answer

The biggest discounts come from wind mitigation improvements. Installing hurricane shutters or impact-resistant windows can reduce your wind premium by 15-30%, and a newer roof can save another 10-20%. Bundling your home and auto insurance typically saves 10-25%, and increasing your deductible from $1,000 to $2,500 can lower premiums by 15-20%. Get a wind mitigation inspection to document all eligible credits.

Question 6

What happens if I'm underinsured when disaster strikes in Clermont?

Accepted Answer

If your coverage limit is lower than your home's actual replacement cost, you'll pay the difference out of pocket. With Clermont home values up 45% since 2020 and construction costs surging, many homeowners are underinsured without realizing it. Review your dwelling coverage annually and update it to reflect current replacement costs, not what you originally paid for your home.

Insurance Agents in Clermont, Florida (FL)

Insurance agencies serving Clermont

A+ American Casualty Insurance Inc

Florida Health Plan Options

Insurance Agents in Clermont, Florida (FL)

Insurance agencies serving Clermont

A+ American Casualty Insurance Inc

Florida Health Plan Options

Guardian Insurance Group, Inc.

Imperial Insurance & Tax

Obamacare Clermont Rxinsurance

Rob Owen Insurance, Inc.

Singh Insurance And Financial Services, LLC

UIC Insurance Consultants

Waterbrook Insurance, Inc.

Insurance Guides for Clermont

Home Insurance in Clermont

Auto Insurance in Clermont

Insurance Guide for Clermont

Frequently asked questions