Champagne Agency
13900 Sibley Road, Riverview, MI 48193
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Riverview households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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13900 Sibley Road, Riverview, MI 48193
View this agency's profile to learn more about their services.
17533 Fort St., Riverview, MI 48193
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Riverview residents.
Riverview insurance guide: auto, home, and flood coverage costs, requirements, and savings tips for this fast-growing Tampa suburb in Hillsborough County.
Home InsuranceComplete guide to home insurance in Riverview, Florida. Learn about hurricane coverage, Alafia River flood risk, and how to get the best rates in 2026.
Car InsuranceRiverview drivers need $10K PIP + PDL now, but major changes come July 2026. Learn requirements, costs ($1,512 avg), and how US-301 & I-75 traffic affects rates.
If you have a federally-backed mortgage and live in a high-risk FEMA flood zone (zones starting with A or V), your lender will require flood insurance. Even if you're not required to buy it, flood insurance is strongly recommended in Riverview since much of the area sits in designated flood zones. More than 20% of flood claims come from properties outside high-risk areas. Hillsborough County residents also receive a 25% discount on premiums due to the county's Class 5 Community Rating System rating.
Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). PIP covers 80% of your medical bills and 60% of lost wages regardless of fault, but you must seek treatment within 14 days of an accident. Bodily injury liability is not required, but insurance experts strongly recommend adding it since the state minimums leave significant coverage gaps.
Homeowners insurance in Riverview averages $6,541 per year for a $300,000 home, $3,610 for a $150,000 home, and $9,379 for a $450,000 home. These rates are higher than the national average due to Florida's hurricane risk and severe weather exposure. Citizens Insurance implemented approximately 12% rate increases for Hillsborough County in 2025.
Florida law requires you to seek initial medical treatment within 14 days of a car accident for your Personal Injury Protection (PIP) benefits to apply. If you wait longer than 14 days, your PIP coverage won't pay for your medical expenses, leaving you responsible for the bills out of pocket.
No, standard homeowners insurance policies do not cover flood damage. This includes damage from rising water, storm surge, or heavy rain. You need a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer. Flood policies typically have a 30-day waiting period, so purchase coverage well before hurricane season begins.
Bundle your auto and home insurance with the same carrier for discounts of 15-25%. Raise your deductibles if you have adequate savings, and invest in home improvements like impact-resistant windows or roof reinforcements. Maintain a clean driving record, install security systems, and shop around with multiple insurers annually. Hillsborough County's Class 5 rating also automatically gives you a 25% discount on flood insurance.
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