Gavop tells you how to get the best homeowners insurance in Hernando County, FL by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $50,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $125,000 | $100,000 | $125,000-$150,000 |
| 3 Bedroom | $171,500 | $140,000 | $200,000-$250,000 |
| 4 Bedroom | $223,000 | $210,000 | $200,000-$250,000 |
| 5 Bedroom | $316,000 | $300,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$215 | $916 |
| Superior Protection Discount | -$113 | $1,018 |
| Fire & Security Discount | -$102 | $1,029 |
| Hail Resistant Roof Discount | -$23 | $1,108 |
| Newly Constructed Home Discount | -$226 | $905 |
| 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 |
| Hernando County | $1,500 | $1,117 | $2,617 | $812 | $2,312 | $305 |
| Hernando County, FL | $2,500 | $1,117 | $3,617 | $812 | $3,312 | $305 |
| Spring Hill, FL | $500 | $846 | $1,346 | $615 | $1,115 | $231 |
| Inverness Highlands South, FL | $700 | $1,059 | $1,759 | $770 | $1,470 | $289 |
| Citrus County, FL | $1,500 | $1,097 | $2,597 | $797 | $2,297 | $300 |
| Jasmine Estates, FL | $300 | $717 | $1,017 | $521 | $821 | $196 |
| Center Hill, FL | $2,000 | $935 | $2,935 | $679 | $2,679 | $255 |
| Thonotosassa, FL | $400 | $923 | $1,323 | $671 | $1,071 | $252 |
| Leesburg, FL | $2,500 | $896 | $3,396 | $651 | $3,151 | $245 |
| Palm River-Clair Mel, FL | $100 | $808 | $908 | $587 | $687 | $221 |
| Home Insurance Company Hernando County, FL | Homeowners Insurance Agency Hernando County, FL | Address | Popularity Score | Distance from Hernando County (miles) |
|---|---|---|---|---|
| Allstate | Ric Cave | 7755 W Waters Ave, Tampa, FL, 33615 | 37.8 | |
| Allstate | Ryan Toombs | 4551 Gunn Hwy, Tampa, FL, 33624 | 35.9 | |
| Travelers | Johnson Insurance Agency | 7215 Forest Oaks Blvd, Spring Hill, FL, 34606 | 9.7 | |
| Liberty Mutual Independent | Morrow Insurance Group | 18936 N Dale Mabry Hwy, Lutz, FL, 33548 | 28.7 | |
| Travelers | Johnson Insurance Agency | 7215 Forest Oaks Bl , Spring Hill, FL, 34606 | 9.7 | |
| Travelers | Atlantic Insurance | 3001 W Waters Ave, Tampa, FL, 33614 | 37.4 | |
| Allstate | Paul Freire | 1101 Belcher Rd S Ste G, Largo, FL, 33771 | 48.6 | |
| Allstate | Timothy Dance | 216 E Robertson St, Brandon, FL, 33511 | 44.9 | |
| State Farm | Mike Maher | 3150 Mcmullen Booth Road, Clearwater, FL, 33761-2025 | 39.6 | |
| Travelers | Carney Insurance | 7632 New Jersey Ave, Hudson, FL, 34667 | 19.2 |
| 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 |
| Hernando County, FL | $120,600 | $1,131 | $880 | $1,520 | $640 |
| Hernando County, FL | $120,600 | $1,131 | $880 | $1,520 | $640 |
| Spring Hill, FL | $119,000 | $857 | $670 | $1,150 | $480 |
| Inverness Highlands South, FL | $99,400 | $1,072 | $840 | $1,440 | $600 |
| Citrus County, FL | $117,400 | $1,110 | $870 | $1,490 | $620 |
| Jasmine Estates, FL | $68,900 | $726 | $570 | $970 | $400 |
| Center Hill, FL | $80,800 | $946 | $740 | $1,270 | $530 |
| Thonotosassa, FL | $135,100 | $934 | $730 | $1,250 | $520 |
| Leesburg, FL | $100,500 | $907 | $710 | $1,220 | $510 |
| Palm River-Clair Mel, FL | $110,900 | $818 | $640 | $1,100 | $460 |