New Port Richey has 17,425 residents in 8,247 households. We list 3 agencies for life insurance in New Port Richey. Here is what the local numbers say about the cover people here need.

New Port Richey at a glance

3life insurance agencies listed
43.1%of households rentRenters insurance
$183,100median home valueHome insurance
1980median year homes were builtRebuild cost calculator
10.2%of households have no carAuto insurance
14.5%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Pasco County

FEMA rates the overall natural hazard risk in Pasco County, where most New Port Richey agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

HurricaneVery High
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance
Coastal floodingRelatively High
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Florida

Florida requires drivers to carry at least $10,000 of property damage liability. It also requires personal injury protection ($10,000). Florida is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance How much liability cover do you need?

Source: leg.state.fl.us. Checked 2026-10-24.

Where New Port Richey agencies are

New Port Richey agencies we list sit in 3 ZIP codes, mostly in Pasco County.

346521 agency
346531 agency
346551 agency

Questions

Life insurance in New Port Richey

All insurance agencies in New Port Richey · Life insurance across Florida

Where can I find life insurance in New Port Richey?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does life insurance cover?

Pays a lump sum to the people who depend on your income.

Do I need flood insurance in New Port Richey?

FEMA's National Risk Index rates inland flooding risk in Pasco County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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