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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Much-Less Insurance

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United States
Bayonet Point, FL
Much-Less Insurance

Much-Less Insurance is a locally family owned and operated insurance company servicing all lines.

04/03/2026

In observance of Good Friday, Much-Less Insurance will be closed on Friday, April 3, 2026. We will resume our normal business hours on Monday, April 6. We wish you and your family a peaceful and safe holiday weekend! 🕊️

11/26/2025

Wishing everyone a Happy Thanksgiving from Much-Less Insurance! 🦃🍗 Our offices will be closed Thanksgiving Day & Friday, and we will be back in the office on Monday.

04/09/2025

DRIVING WITHOUT PROPER COVERAGE? PAYING TOO MUCH? 💰 LET'S FIX THAT! 🚗

Tired of hefty premiums and agents that don’t care? Give us a call today and see what we can do to save you some money 💰

✅ FREE, no-obligation quotes

✅ Personalized coverage options

✅ Local service from people who know your neighborhood

✅ Multi-policy discounts available

✅ Quick and easy process - just 10 minutes of your time!

Don't wait until renewal time - stopping by our office TODAY could put money back in your pocket TOMORROW! 💸

📞 Call us at 727-275-9060!

12/31/2024

Happy New Year! 🎉🍾

Our offices will be closed today, and tomorrow January 1st, and we will be back open on Thursday January 2nd at 9am!

Hope everyone has a safe, and happy new year!

12/27/2024

Just like donuts, insurance protection is better when bundled! 🍩

As your local Progressive agent, I can help you save by combining coverage for your vehicles, and toys. Message me to learn how sweet the savings can be! 💰

12/25/2024

Wishing all of our friends and family a very Merry Christmas 🎄🎅🏻

10/07/2024

With Hurricane Milton now projected to hit our coast as a Cat 3, we URGE all of our customers to understand what their policy covers and what it doesn’t. If you are in Zone A, B, C or a mobile home PLEASE evacuate and get to safety, don’t forget your pets either!

If you need anything, please call our office as we will be open tomorrow and closed Wednesday! Keifer’s cell is (727) 226-2542 if you need immediate assistance!

We are praying for our little community at this time and will be here after to help you pick up the pieces 🙏🏼

📸 - Denis Phillips

10/03/2024

Homeowners insurance claims and flood insurance claims are two distinct types of insurance claims that address different types of property damage and losses. Understanding the differences between them is crucial for homeowners to ensure they have adequate coverage and know how to proceed in the event of a disaster. Here's a comprehensive comparison:

1. Coverage Scope

•Homeowners Insurance Claims:

-Perils Covered:
Typically covers damage caused by events such as fire, theft, vandalism, windstorms, hail, lightning, and sometimes certain types of water damage (like burst pipes).

•Flood Insurance Claims:

-Perils Covered:
Specifically covers damage caused by flooding, which includes rising water from external sources like rivers, lakes, heavy rain, storm surge, and overflowing bodies of water.

-Building and Contents:
Typically covers both the structure of the home and personal belongings, but specifics can vary based on the policy.

-Exclusions:
Does not cover water damage from sources like broken pipes or seepage; those are typically covered under homeowners insurance.

2. Triggering Events for Claims

•Homeowners Insurance:

-Examples: A fire that damages the structure, a theft of personal items, or wind damage from a storm.

-Claim Trigger:
Any covered peril as specified in the policy.

•Flood Insurance:

-Examples:
A hurricane storm surge that floods the basement, river overflow after heavy rains, or flash flooding from intense rainfall.

-Claim Trigger:
Flooding events as defined by the policy, often based on the FEMA flood maps.

While homeowners insurance provides broad protection against many common risks, it DOES NOT cover flooding—a natural disaster that can cause significant and devastating damage to properties. Having separate flood insurance ensures comprehensive coverage, especially if you live in an area prone to flooding. Relying solely on homeowners insurance without flood coverage can leave you financially vulnerable in the event of a flood!

Please, understand the differences between the two types of policies and what they cover in the event of a claim. There’s alot of disinformation being spread after the devastating events of Hurricane Helene here in our community. Please reach out to us for a free, not cost to you, flood insurance quote on your property to ensure you’re covered properly the next time something like this comes about.

09/27/2024

We are saddened to see all the loss our community has faced due to Hurricane Helene. Our offices are closed today but we are here to help in anyway we can, we have posted claims numbers for Homeowners insurance carriers, and Flood Insurance carriers so you can get a head start on filing a claim for any damages due to the hurricane.

American Bankers Flood:
800-423-4403 (Option 3)

Citizens Property Insurance:
866-411-2742

Universal Property & Casualty Insurance:
800-470-0599

If you have another carrier, and need their claims number please message our page directly, Keifer or Susan and they will get back to you with your policy number and corresponding carrier claims dept.

Thinking of our Pasco county community as well as everyone effected by this storm 🙏🏼

05/27/2024

As we enjoy this Memorial Day, let us take a moment to remember and honor the brave men and women who have made the ultimate sacrifice for our freedom. Their courage and dedication ensure the liberties we cherish today.

From all of us at Much-Less Insurance, we extend our deepest gratitude to those who have served and their families. Your sacrifices are never forgotten.

Wishing everyone a safe and reflective Memorial Day 🇺🇸

08/30/2023

We hope all of our customers made it safely through the storm and experienced little to no damage. To those of you who did, tomorrow we will be open from 9am to 6pm taking calls and answering all questions you may have due to the aftermath of Hurricane Idalia!

On our website we have a carriers tab with company names and claims numbers available 24/7 to our customers!

If you need policy information, help filing a claim, contacting your carrier or anything else please we are here to help! 🙏🏼

📞 727-275-9060
📧 [email protected]

Address

8227 State Road 52
Bayonet Point, FL
34667

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+17272759060

Website

https://www.muchlessins.com/

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