A clearer home insurance review for St. Petersburg homeowners. Roof, wind and renewal terms included.
See your Pinellas County policy in local context, then compare options from multiple Florida carriers with a Florida-licensed agent.
Truscott insurance assistant
Ava is an AI assistant. A licensed Florida agent personally reviews every request.
Free and secure. No account needed, no spam calls, and your information is never sold.
Quoting across Florida carriers including
Sources: Florida Office of Insurance Regulation Property Insurance Stability Report (January 1, 2026; premiums reported through September 30, 2025), Citizens Detail by County (June 30, 2026; personal residential multiperil plus wind-only policies, excluding takeouts), and US Census Bureau ACS 2020-2024. Market context only, not a quote for your home.
One licensed agency. Your information stays private.
Quote-comparison websites can resell your details to multiple agents. We don't. Truscott is one licensed independent Florida agency, one licensed agent reviews your coverage, and your number is never sold. Verify our license and business address below.
The St. Petersburg insurance picture, decoded
Pinellas has one of Florida's largest remaining Citizens books, established housing, and coastal details that deserve more than a generic Tampa-area quote page.
Pinellas carries more Citizens concentration
Citizens reported 21,060 personal residential policies in Pinellas on June 30, 2026. Letter deadlines and private-market comparisons still matter here.
The county average is above Tampa's
Florida's regulator reports a $4,044 average charged premium in Pinellas including wind. It is context for a review, not a quote for an individual property.
Roof and mitigation records matter
Older housing and coastal underwriting make roof condition, remaining useful life, opening protection, and wind-mitigation forms important inputs.
Flood is not homeowners coverage
A homeowners policy and a flood policy answer different losses. The review identifies which document covers what, without implying one replaces the other.
See what your report looks like
A preview of the coverage review you'll receive
Premium Context
Your current premium: $4,620/yr
$4,044: average Pinellas home premium including wind
Market averages are context, not a target
Coverage Changes
Roof settlement terms checked
Water and ordinance endorsements compared
All-perils and hurricane deductibles translated
Property Checkpoints
1986: median build year across the Tampa Bay metro
Roof and four-point records reviewed
Wind-mitigation credits checked
Market Options
Available Florida carriers compared
Coverage lined up against the current policy
Options reviewed before the renewal date
Illustrative sample with example figures, not real policy data. Your review is built from the details and documents you provide.
What you'll get
Every St. Petersburg review covers these four things
Your Rate in St. Petersburg Context
Your premium lined up against regulator-published county context and the coverage details that explain why an individual home differs.
What Changed at Renewal
Deductibles, roof payment terms, endorsements, and exclusions compared against the current policy instead of price alone.
A Home-Age Game Plan
Which inspection, roof, update, and wind-mitigation records matter for the home's actual age and construction.
Quotes From Multiple Carriers
A Florida-licensed independent agent compares available carrier options before your renewal date.
How it works
Three steps to a reviewed policy and market options
Tell Ava about your home
Renewal notice in hand, or simply checking the market. Start with two quick questions and ask anything along the way.
Add your policy or renewal notice
Upload a photo or PDF if you have one. Both documents are optional, and Ava carries readable details into the request.
A licensed agent reviews and shops
A Florida-licensed agent reviews the coverage, checks market fit, and follows up ahead of your renewal date.
Pinellas needs a coastal-specific review
The same county contains historic city homes, inland suburban streets, and properties close to open water. Each needs its own records and coverage conversation.
St. Petersburg neighborhoods
Old Northeast · Historic Kenwood · Shore Acres
Established homes often need strong update documentation, while flood remains a separate policy decision for properties near water.
Central Pinellas
Clearwater · Largo · Seminole
Roof age, wind-mitigation forms, and deductible structure can materially change which carrier is the better fit.
North County
Dunedin · Palm Harbor · Safety Harbor
Construction age and proximity to water vary block by block, so market-wide averages should never substitute for a property-specific quote.
Area names and housing patterns describe market-level context, not any individual property. Quotes use the home's own records, inspections, location, and coverage.
One renewal is not the whole market.
Your renewal shows one carrier's price and form for the coming year. A Florida-licensed independent agent can review what changed and compare available options from multiple Florida carriers before your date.
Request a free market reviewDifferent situation?
Who it's for
Your privacy matters
We built Truscott to protect you -- including from us.
Truscott provides AI-generated insurance policy summaries for informational purposes only. Our analyses do not constitute insurance advice, legal advice, or coverage guarantees. Always consult a licensed insurance professional or attorney for specific coverage questions or claims decisions.
Truscott Inc., d/b/a Truscott Insurance Solutions, is an independent Florida-licensed insurance agency (FL agency license L136441) serving homeowners statewide. This page uses St. Petersburg, Clearwater and Largo context but does not represent that Truscott has an office in St. Petersburg. Truscott is not affiliated with or endorsed by Citizens Property Insurance Corporation or any carrier. Nothing on this page guarantees a premium, savings, eligibility, or coverage. County and metro statistics are market-level facts from FLOIR, Citizens, and the US Census Bureau as dated above, not a prediction for any individual home. Flood insurance is separate from standard homeowners coverage.