Bardmoor Insurance Inc
11313 Starkey Rd, Largo, FL 33773
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11313 Starkey Rd, Largo, FL 33773
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152 8th Ave SW 2B, Largo, FL 33770
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152 8th Ave SW, Suite 2B, Largo, FL 33770
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12370 Ulmerton Road, Suite 102, Largo, FL 33771
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13191 Starkey Rd, Unit 10, Largo, FL 33773
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13139 66th St, Largo, FL 33773
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Learn about insurance coverage options specific to Largo residents.
Complete guide to auto, home, and flood insurance in Largo, Florida. Learn about 2026 law changes, average costs, flood risks, and local agents in Pinellas County.
Home InsuranceComplete guide to Largo home insurance costs, flood coverage requirements, and money-saving tips. Navigate Florida's insurance market with confidence.
Car InsuranceLargo auto insurance requirements, US-19 risks, and Florida's 2026 no-fault elimination. Get the coverage you need for one of Florida's deadliest roads.
Currently, Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). However, proposed legislation will eliminate PIP and require bodily injury liability coverage of at least $25,000 per person and $50,000 per incident starting July 1, 2026. It's wise to add bodily injury coverage to your policy now rather than waiting for the mandate.
Largo homeowners typically pay between $3,958 and $9,267 annually, with an average around $3,064 depending on factors like home age, construction type, and proximity to water. This is higher than the national average due to Florida's hurricane risk and coastal location, but Pinellas County rates are more moderate compared to other Florida coastal areas.
Yes, flood insurance is worth serious consideration even outside designated flood zones. About 28% of flood claims come from areas that aren't in Special Flood Hazard Areas. Largo sits on a peninsula between the Gulf and Tampa Bay, and flooding can happen anywhere in Pinellas County during storms or heavy rain. With average premiums around $669 per year and potential discounts up to 40%, the cost is minimal compared to the risk.
Umbrella insurance provides liability coverage that kicks in after your auto or homeowners policy limits are exhausted. If you're sued for damages exceeding your basic policy limits, umbrella coverage protects your assets from being seized. For Largo residents with significant home equity or retirement savings, a $1 million policy typically costs only $150 to $300 per year and offers substantial financial protection.
You can reduce premiums by bundling auto and home policies with the same carrier (saving 15-25%), installing hurricane shutters or impact-resistant windows, upgrading your roof, increasing your deductible, and improving your home security with alarms or cameras. Largo's participation in FEMA's Community Rating System also provides automatic discounts of 20-40% on flood insurance for qualifying residents.
Local Largo agents have significant advantages: they know which carriers are actively writing policies in Pinellas County, understand area-specific risks like flood zones and hurricane exposure, and can advocate for you during claims. While online quotes might seem convenient, a local agent's expertise in navigating Florida's complex insurance market and their ability to shop multiple carriers typically results in better coverage at competitive prices.
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