Gavop's guide to buying homeowners insurance in Richmond Heights, 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 | $61,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $90,000 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $128,500 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $156,500 | $140,000 | $150,000-$175,000 |
| 5 Bedroom | $295,500 | $240,000 | $250,000-$300,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$90 | $913 |
| Home and Two Car | -$161 | $843 |
| Home and Three Car | -$241 | $762 |
| 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 |
| Miami-Dade County | $2,000 | $1,348 | $3,348 | $979 | $2,979 | $368 |
| Richmond Heights, FL | $1,500 | $991 | $2,491 | $720 | $2,220 | $271 |
| Richmond West, FL | $200 | $1,430 | $1,630 | $1,039 | $1,239 | $391 |
| Kendall-Palmetto Bay, FL | $2,500 | $1,098 | $3,598 | $798 | $3,298 | $300 |
| University Park, FL | $400 | $1,502 | $1,902 | $1,092 | $1,492 | $411 |
| Tamiami, FL | $700 | $1,119 | $1,819 | $814 | $1,514 | $306 |
| Kendale Lakes-Tamiami, FL | $400 | $1,370 | $1,770 | $996 | $1,396 | $374 |
| North Bay Village, FL | $2,500 | $2,176 | $4,676 | $1,581 | $4,081 | $595 |
| Homestead, FL | $200 | $1,323 | $1,523 | $962 | $1,162 | $362 |
| Ives Estates, FL | $2,000 | $941 | $2,941 | $684 | $2,684 | $257 |
| Coral Springs, FL | $300 | $1,460 | $1,760 | $1,061 | $1,361 | $399 |
| Lighthouse Point, FL | $2,500 | $1,235 | $3,735 | $898 | $3,398 | $338 |
| Home Insurance Company Richmond Heights, FL | Homeowners Insurance Agency Richmond Heights, FL | Address | Popularity Score | Distance from Richmond Heights (miles) |
|---|---|---|---|---|
| State Farm | Jim Diaz | 13550 Sw 88th St Ste 294, Miami, FL, 33186-1513 | 4.5 | |
| Travelers | M & L Insurance Agency Inc | 2855 University Dr 110, Coral Springs, FL, 33065 | 44.2 | |
| State Farm | Peter Pinto | 15058 Sw 56th St, Miami, FL, 33185-4071 | 6.9 | |
| Travelers | Pan Am Assurance Agency Inc | 9100 Sunset Dr, Miami, FL, 33173 | 5.1 | |
| Allstate | Jenny De La Cruz | 7333 Coral Way # 108, Miami, FL, 33155 | 8.7 | |
| Allstate | Brian Draina | 2508 N State Road 7, Margate, FL, 33063 | 44.3 | |
| Allstate | Mary Martinez | 3047 Sw 38th Ct, Coral Gables, FL, 33146 | 9.9 | |
| Travelers | Luis Insurance | 6851 Bird Road, Miami, FL, 33155 | 8.0 | |
| Travelers | Florida Bankers Insurance | 7278 Sw 8th St, Miami, FL, 33144 | 9.6 | |
| State Farm | Ellie Mills | 20330 Old Cutler Road, Miami, FL, 33189-1832 | 4.4 |
| 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 |
| Miami-Dade County, FL | $242,800 | $1,364 | $1,060 | $1,830 | $770 |
| Richmond Heights, FL | $163,000 | $1,003 | $780 | $1,340 | $560 |
| Richmond West, FL | $250,200 | $1,448 | $1,130 | $1,940 | $810 |
| Kendall-Palmetto Bay, FL | $412,400 | $1,111 | $870 | $1,490 | $620 |
| University Park, FL | $266,900 | $1,520 | $1,190 | $2,040 | $850 |
| Tamiami, FL | $251,900 | $1,133 | $880 | $1,520 | $640 |
| Kendale Lakes-Tamiami, FL | $255,500 | $1,387 | $1,080 | $1,860 | $780 |
| North Bay Village, FL | $271,600 | $2,202 | $1,720 | $2,950 | $1,230 |
| Homestead, FL | $161,100 | $1,339 | $1,040 | $1,790 | $750 |
| Ives Estates, FL | $138,800 | $952 | $740 | $1,280 | $540 |
| Coral Springs, FL | $313,500 | $1,478 | $1,150 | $1,980 | $830 |
| Lighthouse Point, FL | $453,600 | $1,250 | $980 | $1,680 | $700 |