Gavop's guide to buying homeowners insurance in Key Largo, FL covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $131,000 | $110,000 | $150,000-$175,000 |
| 2 Bedroom | $339,500 | $310,000 | $250,000-$300,000 |
| 3 Bedroom | $468,500 | $400,000 | $350,000-$400,000 |
| 4 Bedroom | $671,000 | $580,000 | $500,000-$600,000 |
| 5 Bedroom | $763,500 | $660,000 | $600,000-$700,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$179 | $764 |
| Superior Protection Discount | -$85 | $859 |
| Fire & Security Discount | -$94 | $849 |
| Hail Resistant Roof Discount | -$28 | $915 |
| Newly Constructed Home Discount | -$236 | $708 |
| 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 |
| Monroe County | $700 | $1,466 | $2,166 | $1,065 | $1,765 | $401 |
| Key Largo, FL | $2,000 | $932 | $2,932 | $678 | $2,678 | $255 |
| Goulds, FL | $300 | $951 | $1,251 | $691 | $991 | $260 |
| Palmetto Estates, FL | $2,000 | $1,654 | $3,654 | $1,202 | $3,202 | $452 |
| Richmond Heights, FL | $100 | $991 | $1,091 | $720 | $820 | $271 |
| Three Lakes, FL | $1,500 | $1,082 | $2,582 | $787 | $2,287 | $296 |
| Westchester, FL | $500 | $1,544 | $2,044 | $1,122 | $1,622 | $422 |
| Coral Terrace, FL | $2,000 | $1,604 | $3,604 | $1,166 | $3,166 | $438 |
| Doral, FL | $200 | $1,457 | $1,657 | $1,059 | $1,259 | $398 |
| North Westside, FL | $2,000 | $1,439 | $3,439 | $1,046 | $3,046 | $393 |
| Miami Springs, FL | $400 | $926 | $1,326 | $673 | $1,073 | $253 |
| Home Insurance Company Key Largo, FL | Homeowners Insurance Agency Key Largo, FL | Address | Popularity Score | Distance from Key Largo (miles) |
|---|---|---|---|---|
| Travelers | E & L Insurance Services Inc | 1241 Sw 27 Ave, Miami, FL, 33135 | 45.2 | |
| State Farm | Manny Morin | 10651 N Kendall Dr Ste 111, Miami, FL, 33176-1573 | 39.0 | |
| Travelers | Jag Insurance Group | 2151 Lejeune Rd Ste 308, Coral Gables, FL, 33134 | 44.4 | |
| State Farm | Valerie Davis-Bailey | 3180 Commodore Plz, Miami, FL, 33133-5818 | 42.9 | |
| Travelers | Eguino & Associates Insurance Agency Inc | 7229 Coral Way, Miami, FL, 33155 | 43.5 | |
| Liberty Mutual | Nelson Marenco | 760 Nw 107th Avenue Ste 115, Miami, FL, 33172 | 45.1 | |
| Liberty Mutual Independent | Swett & Crawford Of Georgia Inc | 800 Brickell Ave Ste 300, Miami, FL, 33131 | 46.4 | |
| State Farm | Rick Gonzalez | 8830 Coral Way, Miami, FL, 33165-2008 | 43.3 | |
| State Farm | Mario Obregon | 6701 Sunset Dr Ste 115, South Miami, FL, 33143-4529 | 40.6 | |
| Travelers | Lincoln Insurance Agency Inc | 1657 West Ave, Miami Beach, FL, 33139 | 48.9 |
| 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 |
| Monroe County, FL | $429,000 | $1,484 | $1,160 | $1,990 | $830 |
| Key Largo, FL | $361,500 | $944 | $740 | $1,260 | $520 |
| Goulds, FL | $191,200 | $963 | $750 | $1,290 | $540 |
| Palmetto Estates, FL | $189,200 | $1,674 | $1,310 | $2,240 | $930 |
| Richmond Heights, FL | $163,000 | $1,003 | $780 | $1,340 | $560 |
| Three Lakes, FL | $241,000 | $1,095 | $850 | $1,470 | $620 |
| Westchester, FL | $276,600 | $1,562 | $1,220 | $2,090 | $870 |
| Coral Terrace, FL | $290,800 | $1,623 | $1,270 | $2,180 | $910 |
| Doral, FL | $349,800 | $1,475 | $1,150 | $1,980 | $830 |
| North Westside, FL | $211,600 | $1,457 | $1,140 | $1,950 | $810 |
| Miami Springs, FL | $339,500 | $937 | $730 | $1,260 | $530 |