Gavop's guide to buying homeowners insurance in Jackson County, 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 | $39,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $99,500 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $149,500 | $120,000 | $150,000-$175,000 |
| 4 Bedroom | $118,000 | $100,000 | $125,000-$150,000 |
| 5 Bedroom | $228,000 | $180,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$150 | $850 |
| Superior Protection Discount | -$100 | $900 |
| Fire & Security Discount | -$70 | $930 |
| Hail Resistant Roof Discount | -$30 | $970 |
| Newly Constructed Home Discount | -$290 | $710 |
| 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 |
| Jackson County | $1,000 | $988 | $1,988 | $718 | $1,718 | $270 |
| Jackson County, FL | $2,500 | $988 | $3,488 | $718 | $3,218 | $270 |
| Cypress, FL | $100 | $819 | $919 | $595 | $695 | $224 |
| Houston County, AL | $1,000 | $1,049 | $2,049 | $763 | $1,763 | $287 |
| Calhoun County, FL | $200 | $780 | $980 | $567 | $767 | $213 |
| Grimes, AL | $1,500 | $794 | $2,294 | $577 | $2,077 | $217 |
| Gadsden County, FL | $500 | $997 | $1,497 | $724 | $1,224 | $272 |
| Newton-Midland City, AL | $2,500 | $997 | $3,497 | $724 | $3,224 | $272 |
| Climax, GA | $200 | $783 | $983 | $569 | $769 | $214 |
| East Liberty, FL | $1,000 | $835 | $1,835 | $607 | $1,607 | $228 |
| Level Plains, AL | $500 | $1,309 | $1,809 | $951 | $1,451 | $358 |
| Home Insurance Company Jackson County, FL | Homeowners Insurance Agency Jackson County, FL | Address | Popularity Score | Distance from Jackson County (miles) |
|---|---|---|---|---|
| Allstate | Mark S. Mckinney | 3009 Highway 77 Ste M, Panama City, FL, 32405 | 48.2 | |
| Allstate | Pamela Johnson | 2555 Huntcliff Ln, Panama City, FL, 32405 | 49.1 | |
| Allstate | Webb Rowan | 923 W Jefferson St, Quincy, FL, 32351 | 39.5 | |
| Allstate | Gretchan Langley | 4618 Highway 90 Ste B, Marianna, FL, 32446 | 1.2 | |
| Allstate | Ellis Agency | 25744 N Main St, Altha, FL, 32421 | 15.7 | |
| Allstate | Pat Thomas Of Quincy | 1821 W Jefferson St, Quincy, FL, 32351 | 38.8 | |
| Allstate | Jeffrey Robinson | 1229 Airport Rd, Panama City, FL, 32405 | 49.9 | |
| Travelers | Hollomon Insurance Agency | 111 W 23rd St, Panama City, FL, 32405 | 49.4 | |
| Allstate | Dr. Manuel (Manny) Garcia | 1069 Main St, Chipley, FL, 32428 | 19.6 | |
| State Farm | Eric Taylor | 35 E Washington St, Chattahoochee, FL, 32324-1540 | 22.6 |
| 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 |
| Jackson County, FL | $94,900 | $1,000 | $780 | $1,340 | $560 |
| Jackson County, FL | $94,900 | $1,000 | $780 | $1,340 | $560 |
| Cypress, FL | $86,800 | $829 | $650 | $1,110 | $460 |
| Houston County, AL | $127,100 | $1,062 | $780 | $1,520 | $740 |
| Calhoun County, FL | $80,000 | $790 | $620 | $1,060 | $440 |
| Grimes, AL | $72,400 | $804 | $570 | $1,150 | $580 |
| Gadsden County, FL | $101,300 | $1,009 | $790 | $1,350 | $560 |
| Newton-Midland City, AL | $103,400 | $1,009 | $720 | $1,420 | $700 |
| Climax, GA | $108,600 | $793 | $580 | $1,120 | $540 |
| East Liberty, FL | $66,000 | $845 | $660 | $1,130 | $470 |
| Level Plains, AL | $166,700 | $1,325 | $940 | $1,870 | $930 |