Gavop shows you how to buy homeowners insurance in DeFuniak Springs, FL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $43,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $81,500 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $146,500 | $140,000 | $125,000-$150,000 |
| 4 Bedroom | $203,000 | $170,000 | $175,000-$200,000 |
| 5 Bedroom | $117,500 | $100,000 | $125,000-$150,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$65 | $752 |
| Home and Two Car | -$139 | $678 |
| Home and Three Car | -$204 | $613 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Walton County | $1,500 | $1,334 | $2,834 | $969 | $2,469 | $365 |
| DeFuniak Springs, FL | $1,500 | $807 | $2,307 | $587 | $2,087 | $221 |
| Freeport, FL | $500 | $943 | $1,443 | $685 | $1,185 | $258 |
| Ponce de Leon, FL | $2,500 | $990 | $3,490 | $719 | $3,219 | $271 |
| Laurel Hill, FL | $400 | $1,262 | $1,662 | $917 | $1,317 | $345 |
| Ocean City, FL | $1,000 | $953 | $1,953 | $693 | $1,693 | $261 |
| Harold, FL | $100 | $1,153 | $1,253 | $838 | $938 | $315 |
| Springhill, FL | $2,000 | $1,496 | $3,496 | $1,087 | $3,087 | $409 |
| Opp, AL | $400 | $778 | $1,178 | $566 | $966 | $213 |
| Hartford, AL | $700 | $857 | $1,557 | $623 | $1,323 | $234 |
| Babbie, AL | $300 | $848 | $1,148 | $616 | $916 | $232 |
| Youngstown, FL | $1,500 | $764 | $2,264 | $555 | $2,055 | $209 |
| Home Insurance Company DeFuniak Springs, FL | Homeowners Insurance Agency DeFuniak Springs, FL | Address | Popularity Score | Distance from DeFuniak Springs (miles) |
|---|---|---|---|---|
| Travelers | Priority-One Insurance | 98 Beal Pkwy Nw, Fort Walton Beach, FL, 32548 | 26.7 | |
| State Farm | Ryan Cabaniss | 1189 John Sims Pkwy E, Niceville, FL, 32578-2752 | 15.7 | |
| State Farm | Bo Burns | 1811 John Sims Pkwy E, Niceville, FL, 32578-2337 | 15.1 | |
| Travelers | Niceville Insurance Agency | 109 Bullock Blvd, Niceville, FL, 32578 | 15.9 | |
| Travelers | Powell Agency Inc | 110 N Partin Dr, Niceville, FL, 32578 | 16.3 | |
| Allstate | Nancy S Ramsey | 1501 Mulberry Ave Ste 2, Panama City, FL, 32405 | 47.6 | |
| Allstate | Michael Cheney | 7 Racetrack Rd Ne, Fort Walton Beach, FL, 32547 | 25.7 | |
| Travelers | Powell Agency Inc | 110 N Partin Dr, Niceville, FL, 32578 | 16.3 | |
| Travelers | Niceville Insurance Agency | 109 Bullock Blvd, Niceville, FL, 32578 | 15.9 | |
| Travelers | Harris Insurance Services Inc | 123 Miracle Strip Pkwy Se, Fort Walton Beach, FL, 32548 | 27.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Florida | $178,700 | $1,605 | $1,250 | $2,150 | $900 |
| Walton County, FL | $203,100 | $1,350 | $1,050 | $1,810 | $760 |
| DeFuniak Springs, FL | $110,700 | $817 | $640 | $1,090 | $450 |
| Freeport, FL | $189,200 | $955 | $740 | $1,280 | $540 |
| Ponce de Leon, FL | $89,100 | $1,002 | $780 | $1,340 | $560 |
| Laurel Hill, FL | $129,600 | $1,277 | $1,000 | $1,710 | $710 |
| Ocean City, FL | $164,000 | $965 | $750 | $1,290 | $540 |
| Harold, FL | $113,400 | $1,167 | $910 | $1,560 | $650 |
| Springhill, FL | $165,000 | $1,514 | $1,180 | $2,030 | $850 |
| Opp, AL | $92,000 | $788 | $570 | $1,120 | $550 |
| Hartford, AL | $107,400 | $868 | $580 | $1,220 | $640 |
| Babbie, AL | $80,000 | $858 | $580 | $1,210 | $630 |
| Youngstown, FL | $77,100 | $773 | $600 | $1,040 | $440 |