Gavop's guide to buying homeowners insurance in Destin, 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.
| Destin, FL - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Wakissa Cove, Bayview St, Baywinds Dr, Rendezvous Cove, Benning Dr, Canoe Cir, Cayman Cove, Amurst Cir, Holly St, Hanah Ct | $247,500 | $200,000 | $250,000-$300,000 | $170,000 | $160,000 | $175,000-$200,000 |
| Spring Lake Dr, Zerbe St, Okeechoee Ct, Teepee Ct, Liriope Loop, Scenic Hwy 98, Destiny Way, Ridge Wood Cir, 98 Palms Blvd, N Lakeside Dr | $210,000 | $170,000 | $175,000-$200,000 | $188,000 | $160,000 | $200,000-$250,000 |
| Quail Cir, Forest St, Stingray St, Commodore Pt, Lands End Dr, Two Tees Rd, Clipper Cove, Sandalwood Ct, Timber Ct, Willow St | $415,500 | $340,000 | $400,000-$500,000 | $346,500 | $300,000 | $300,000-$350,000 |
| Grand Oaks Way, Burning Tree Dr, Bellbouy Lndg, Indian Bayou N, Evergreen Pl, Weekewatchee Cir, Snapper Dr, Old Hwy 98, Talquin Cove, Juniper Ct | $213,500 | $170,000 | $200,000-$250,000 | $176,000 | $140,000 | $175,000-$200,000 |
| Leaning Pines Loop, Jade Loop, Sterling Ct, Sea Hills Dr, Calusa Blvd, Kayla Ct, Vis Bluffs, Melrose Ave, Country Club Dr E, Legendary Dr | $284,500 | $260,000 | $250,000-$300,000 | $301,500 | $280,000 | $250,000-$300,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$94 | $1,078 |
| Home and Two Car | -$199 | $973 |
| Home and Three Car | -$270 | $902 |
| 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 |
| Okaloosa County | $700 | $1,390 | $2,090 | $1,010 | $1,710 | $380 |
| Destin, FL | $700 | $1,158 | $1,858 | $841 | $1,541 | $316 |
| Walton Beaches, FL | $100 | $931 | $1,031 | $676 | $776 | $254 |
| Woodlawn Beach, FL | $2,500 | $2,112 | $4,612 | $1,535 | $4,035 | $577 |
| Bagdad, FL | $100 | $888 | $988 | $645 | $745 | $243 |
| Ponce de Leon, FL | $2,500 | $990 | $3,490 | $719 | $3,219 | $271 |
| Paxton, FL | $1,000 | $1,046 | $2,046 | $760 | $1,760 | $286 |
| Gulf Breeze, FL | $400 | $923 | $1,323 | $671 | $1,071 | $252 |
| Floridatown, FL | $700 | $1,158 | $1,858 | $841 | $1,541 | $316 |
| Pace, FL | $500 | $1,337 | $1,837 | $972 | $1,472 | $365 |
| Fidelis, FL | $700 | $968 | $1,668 | $704 | $1,404 | $265 |
| Home Insurance Company Destin, FL | Homeowners Insurance Agency Destin, FL | Address | Popularity Score | Distance from Destin (miles) |
|---|---|---|---|---|
| Travelers | Priority-One Insurance | 98 Nw Beal Pkwy 98 Nw Beal Pkwy Ft. Walton Beach, Fort Walton Beach, FL, 32548 | 8.9 | |
| Travelers | Priority-One Insurance | 98 Beal Pkwy Nw, Fort Walton Beach, FL, 32548 | 8.9 | |
| State Farm | Ryan Cabaniss | 1189 John Sims Pkwy E, Niceville, FL, 32578-2752 | 8.5 | |
| Allstate | Neal Bern | 21a Eglin Pkwy Ne, Fort Walton Beach, FL, 32548 | 8.2 | |
| State Farm | Jim Liufau | 36008 Emerald Coast Pkwy, Destin, FL, 32541-5732 | 3.1 | |
| Allstate | Angie Batten | 2784 Gulf Breeze Pkwy, Gulf Breeze, FL, 32563 | 38.2 | |
| State Farm | Brad Phelps | 1301 E Cervantes St, Pensacola, FL, 32501 | 43.7 | |
| Allstate | Michael Cheney | 7 Racetrack Rd Ne, Fort Walton Beach, FL, 32547 | 9.4 | |
| Travelers | Harris Insurance Services Inc | 123 Miracle Strip Pkwy Se, Fort Walton Beach, FL, 32548 | 8.3 | |
| Travelers | Affordable Home Insurance Inc | 3999 Commons Drive Suite F, Destin, FL, 32541 | 0.8 |
| 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 |
| Okaloosa County, FL | $198,700 | $1,407 | $1,100 | $1,890 | $790 |
| Destin, FL | $284,900 | $1,172 | $910 | $1,570 | $660 |
| Walton Beaches, FL | $366,200 | $942 | $730 | $1,260 | $530 |
| Woodlawn Beach, FL | $261,400 | $2,138 | $1,670 | $2,860 | $1,190 |
| Bagdad, FL | $127,700 | $899 | $700 | $1,200 | $500 |
| Ponce de Leon, FL | $89,100 | $1,002 | $780 | $1,340 | $560 |
| Paxton, FL | $97,500 | $1,059 | $830 | $1,420 | $590 |
| Gulf Breeze, FL | $336,700 | $935 | $730 | $1,250 | $520 |
| Floridatown, FL | $114,100 | $1,172 | $910 | $1,570 | $660 |
| Pace, FL | $163,500 | $1,354 | $1,060 | $1,810 | $750 |
| Fidelis, FL | $85,800 | $980 | $760 | $1,310 | $550 |