How Can I Make My Lake City, FL Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Lake City, FL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Lake City, FL Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $41,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $121,000 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $124,000 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $150,500 | $140,000 | $125,000-$150,000 |
| 5 Bedroom | $174,500 | $150,000 | $175,000-$200,000 |
Estimate your Savings with Home Insurance Discounts in Lake City, FL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$215 | $918 |
| Superior Protection Discount | -$102 | $1,031 |
| Fire & Security Discount | -$113 | $1,019 |
| Hail Resistant Roof Discount | -$23 | $1,110 |
| Newly Constructed Home Discount | -$261 | $872 |
Choose your Lake City, FL Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,975 |
| Physical Damage | $2,513 |
| Hail Damage | $4,759 |
| Wind Damage | $6,496 |
| Expensive Claims | |
| Fire | $42,442 |
| Smoke | $16,887 |
Identify Top Home Insurance Agents near Lake City, FL | Back to Top
| Home Insurance Company Lake City, FL | Homeowners Insurance Agency Lake City, FL | Address | Popularity Score | Distance from Lake City (miles) |
|---|---|---|---|---|
| State Farm | Tish Oleksy | 4960 W Newberry Rd Ste 260, Gainesville, FL, 32607-2201 | 38.5 | |
| Allstate | John A. Morrison | 2950 Sw Archer Rd Ste D, Gainesville, FL, 32608 | 41.0 | |
| State Farm | Mark Mcgriff | 1120 Nw 13th St, Gainesville, FL, 32601-4136 | 39.7 | |
| Allstate | Linda Thomas | 105 Sw 140th Ct Ste 1, Jonesville, FL, 32669 | 37.0 | |
| Allstate | Felisha Foote | 2640 Blanding Blvd Ste 206, Middleburg, FL, 32068 | 46.8 | |
| Allstate | Latalyia D Mcknight | 4004 Nw 13th St, Gainesville, FL, 32609 | 38.1 | |
| Allstate | Faye Mcknight | 363 Sw Baya Dr Ste 102, Lake City, FL, 32025 | 0.7 | |
| Allstate | Stefanie Cubbedge-Wiggins | 16 Sw 2nd Ave, Gainesville, FL, 32601 | 40.8 | |
| State Farm | John Kasak | 904 Sw Sr 247 Branford Hwy, Lake City, FL, 32025 | 2.0 | |
| State Farm | Donna Mann | 2622 Nw 43rd St Ste A2, Gainesville, FL, 32606-6678 | 37.5 |
Compare Rates for Lake City, FL Home Insurance Providers | Back to Top
| 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 |
| Columbia County, FL | $112,500 | $1,080 | $840 | $1,450 | $610 |
| Lake City, FL | $120,900 | $1,133 | $880 | $1,520 | $640 |
| Columbia County, FL | $112,500 | $1,080 | $840 | $1,450 | $610 |
| White Springs, FL | $79,500 | $937 | $730 | $1,260 | $530 |
| Suwannee County, FL | $92,400 | $984 | $770 | $1,320 | $550 |
| Bradford County, FL | $90,500 | $850 | $660 | $1,140 | $480 |
| Lawtey, FL | $101,500 | $913 | $710 | $1,220 | $510 |
| Newberry, FL | $154,100 | $1,025 | $800 | $1,370 | $570 |
| Baldwin, FL | $133,700 | $927 | $720 | $1,240 | $520 |
| St. George, GA | $88,900 | $680 | $470 | $940 | $470 |
| Fargo, GA | $42,300 | $335 | $230 | $480 | $250 |
Research Home Insurance Companies Reviews in Lake City, FL Before Buying | Back to Top
Share a review on your home insurance company
Progressive Home Insurance Reviews
Date: September 05, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Customer Service
I would rate my insurance a "5". I have contacted their customer service department several times, both online and by phone. The agents are always polite, helpful, and knowledgeable.
Date: July 21, 2019 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Policy Offerings
I am not sure of the current policy offerings as compared to other insurance providers at the moment, but when I was researching policies, progressive had the best deal at the time.
Allstate Home Insurance Reviews
Date: January 06, 2020 Age: 50 to 59 Gender: Female Marital Status: Married
Policy Offerings
We have been very happy with the home insurance policy offerings from Allstate. There are a lot of different options, and I think that they have more compared to other insurance providers.
Date: October 18, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
The premium is relatively cheap for the year as well as the deductible. I feel secure knowing I am covered.
Travelers Home Insurance Reviews
Date: July 01, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
The rate we have is the lowest available. When we purchased the house we had to keep the premium at a certain monthly cost to qualify for debt to income ratios for loan approval.
GEICO Home Insurance Reviews
Date: July 18, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Customer Service
We purchased a home 1.5 years ago in Phoenix and we had a difficult time finding home insurance, because many companies were reluctant to insure a home with a wood shake roof.
People's Trust Insurance Home Insurance Reviews
Date: June 03, 2019 Age: 30 to 39 Gender: Married Marital Status: Male
Premium
completely satisfied. other companies wanted double the price compared to what I am paying for insurance. it is crazy that everyone has such a big space between pricing.
State Farm Home Insurance Reviews
Date: January 11, 2020 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
the policy is virtually the same as others in area. The customer service is solid and rate at which I got my insurance for is lower than any competitors currently, but I always check around to see if that can change.
Farmer's Insurance Home Insurance Reviews
Date: June 13, 2019 Age: 20 to 29 Gender: Married Marital Status: Female
Customer Service
The health plan has an overall decent network, however this is diminishing each month as providers leave the networks due to decreases in allowable charges.