Biltmore Insurance Services, LLC
337 Debary Ave, Debary, FL 32713
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337 Debary Ave, Debary, FL 32713
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9 Dogwood Trl, Debary, FL 32713
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275 S Charles Richard Beall Blvd, STE 102, DeBary, FL 32713
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275 US-17, STE 111B, DeBary, FL 32713
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275 S Charles Richard Beall Blvd, Ste 111B, DeBary, FL 32713
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Debary residents.
DeBary home insurance averages $1,545-$1,734/year—half Florida's average. Learn about new flood requirements, St. Johns River risks & how to save.
Car InsuranceDeBary auto insurance guide: Florida's no-fault PIP rules, I-4 commuter risks, St. Johns River flood coverage, and tips to lower your rates in Volusia County.
General Insurance EducationComplete insurance guide for DeBary, Florida. Learn about 2026 rate decreases, St. Johns River flood coverage, SunRail commuter discounts, and savings tips.
Yes, you should strongly consider it. Volusia County ranks seventh nationally for flood risk, and flooding can happen anywhere—not just in designated high-risk zones. Additionally, Florida's new law requires Citizens policyholders to carry flood insurance starting in 2026 for homes valued at $400,000+ and expanding to all homes by 2027. Even if not required, the St. Johns River creates real flood risks that your standard homeowners policy won't cover.
DeBary homeowners pay significantly less than the state average. Typical rates in Volusia County range from $1,545 to $1,734 annually, while the Florida statewide average runs between $3,815 and $5,376 per year for comparable coverage. This makes DeBary one of the more affordable areas in Florida for home insurance, though you'll still need to budget separately for flood coverage.
Standard policies exclude flood damage (including storm surge from hurricanes), damage from named windstorms unless you add wind coverage, mold resulting from neglect or long-term water issues, and normal wear and tear. In Florida, you typically need separate flood insurance and often a separate windstorm endorsement or policy to be fully protected against the state's most common natural disasters.
Right now—flood insurance typically has a 30-day waiting period before coverage begins, so you can't wait until a hurricane is approaching. With new Florida requirements kicking in January 2026 for higher-value homes, getting coverage sooner rather than later is smart. Plus, rates are based on your flood zone, not market demand, so there's no advantage to waiting.
Check FEMA's Flood Map Service Center website and enter your property address. This will show you whether you're in a Special Flood Hazard Area (high-risk zone) or a moderate-to-low risk zone. Your zone designation directly affects your flood insurance rates and whether your lender requires coverage, so it's worth verifying even if you think you know your zone.
The market is stabilizing with positive trends for 2026. Florida's Office of Insurance Regulation has received 73 filings for rate decreases and 94 filings for 0% increases, meaning many DeBary homeowners could see rates hold steady or decrease when policies renew in spring 2026. This is a significant shift after years of rate increases across Florida's property insurance market.
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