Legion Insurance Agency, LLC
5922 Weddington Rd, Suite A10, Wesley Chapel, NC 28104
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5922 Weddington Rd, Suite A10, Wesley Chapel, NC 28104
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Wesley Chapel residents.
Wesley Chapel auto insurance guide: Florida's no-fault PIP ends July 2026. Learn current requirements, rate factors, I-75 risks, and how to save.
Most of Wesley Chapel is in FEMA flood zone X, which means flood insurance is not legally required by federal law or most mortgage lenders. However, it's still highly recommended, especially for homes near retention ponds, wetlands, or low-lying areas. Nearly one in four flood claims come from properties outside designated high-risk zones, and standard homeowners insurance never covers flood damage.
Homeowners insurance in Wesley Chapel typically ranges from $3,461 to $8,907 annually, which is significantly lower than Florida's statewide average of $11,759. The wide range depends on factors like your home's age, construction quality, coverage limits, deductibles, and whether you have wind mitigation features installed.
Standard homeowners insurance typically covers wind damage from hurricanes, but it usually comes with a separate hurricane deductible that's higher than your normal deductible—often 2% to 10% of your home's insured value. Importantly, flood damage from hurricanes is never covered by standard homeowners policies and requires separate flood insurance.
A wind mitigation inspection evaluates your home's ability to withstand high winds during hurricanes. It documents features like impact-resistant windows, reinforced roof connections, and hurricane shutters. When you submit this report to your insurance company, you can qualify for significant premium discounts because your home is less risky to insure.
Yes, generally new construction homes in master-planned communities like Epperson and Chapel Crossings qualify for lower insurance premiums. These homes are built to current Florida building codes with modern wind-resistant features, making them less susceptible to hurricane damage. They often already include impact-resistant windows, reinforced roofing, and other features that older homes would need to retrofit.
There's no single "best" company for everyone, but American Integrity, Florida Peninsula, and Citizens Property Insurance have been competitive in the Wesley Chapel area. Your best bet is working with an independent insurance agent who can compare quotes from multiple carriers based on your specific home and coverage needs, as rates can vary by thousands of dollars.
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