Tepsick Insurance
510 CR 466 E 2nd Floor, Suite 207M, Lady Lake, FL 32159
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510 CR 466 E 2nd Floor, Suite 207M, Lady Lake, FL 32159
View this agency's profile to learn more about their services.
510 CR 466 E, 2nd Floor, Suite 207M, Lady Lake, FL 32159
View this agency's profile to learn more about their services.
13940 N US Highway 441, Ste 800, Lady Lake, FL 32159
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Lady Lake residents.
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Homeowners in Lady Lake typically pay between $1,688 and $1,877 annually for standard home insurance coverage, depending on home size and features. This is significantly lower than the Florida state average of $4,400 to $8,770 per year, thanks to Lady Lake's inland location and reduced hurricane exposure. High-value homes with premium upgrades may see rates around $3,077 annually.
It depends on how you use your golf cart. Traditional golf carts used only in your neighborhood may be covered under your homeowners policy. However, if you drive on public roads or own a Neighborhood Electric Vehicle (NEV) that reaches 25 mph, you'll need separate golf cart insurance, which typically costs $60-$80 annually. Many insurers will bundle this with your home and auto policies for additional savings.
Your standard deductible (typically $1,000-$2,500) applies to most covered perils like fire or theft. Your hurricane deductible is calculated as a percentage of your home's insured value—usually 2% to 5%—and applies specifically to hurricane damage. For a home insured at $350,000 with a 5% hurricane deductible, you'd pay the first $17,500 before insurance coverage begins. The hurricane deductible applies once per calendar year.
While Lady Lake's inland location means lower flood risk than coastal Florida, flood insurance is worth considering. Standard homeowners policies don't cover flood damage, and Florida's heavy rainy seasons can cause localized flooding even in areas not designated as high-risk flood zones. Flood insurance is available through the National Flood Insurance Program (NFIP) or private insurers, and it's typically more affordable in low-to-moderate risk areas like Lady Lake.
The most effective ways to reduce your premium include bundling your home, auto, and golf cart policies with one insurer (15-25% savings), installing hurricane mitigation improvements like impact-resistant windows and reinforced roofing, adding a monitored home security system, raising your standard deductible, and shopping around annually for competitive rates. Many insurers also offer discounts for being claims-free, having a newer roof, or being a retiree.
Lady Lake's location in inland Lake County significantly reduces exposure to catastrophic hurricane damage, particularly the devastating storm surge that affects coastal communities. While the area still experiences tropical storms and wind damage during hurricane season, insurers recognize the reduced risk and price policies accordingly. This geographic advantage, combined with a stable housing market and growing retirement community, makes Lady Lake one of the more affordable places in Florida for homeowners insurance.
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