How Can I Make My St. Petersburg, FL Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in St. Petersburg, 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.

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No	Topics
1	Research How your St. Petersburg, FL Home Impacts your Rates
2	Match your Background to St. Petersburg, FL Home Insurance Offers
3	Optimize your St. Petersburg, FL Homeowners Insurance Policy
4	Identify Top Home Insurance Agents near St. Petersburg, FL
5	Compare Rates from Home Insurance Companies in St. Petersburg, FL
6	Research Home Insurance Companies Reviews in St. Petersburg, FL

Estimate your St. Petersburg, FL Home Insurance Premium by Construction Year | Back to Top

Bundling Type	Discount ($)	Premium After Discount ($)
Newly Constructed Home	-$234	$782
30 year old	+$15	$1,031
40 year old	+$26	$1,042
50 year old	+$39	$1,055
Above 50 year old	+$49	$1,065

Estimate your Savings with Home Insurance Discounts in St. Petersburg, FL | Back to Top

Type	Discount ($)	Premium After Discount ($)
Multipolicy Discount	-$152	$864
Superior Protection Discount	-$102	$914
Fire & Security Discount	-$102	$914
Hail Resistant Roof Discount	-$30	$986
Newly Constructed Home Discount	-$254	$762

Choose the Right Deductible for your St. Petersburg, FL Home | Back to Top

		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
Pinellas County	$1,500	$1,359	$2,859	$987	$2,487	$371
St. Petersburg, FL	$1,000	$1,004	$2,004	$729	$1,729	$274
Bear Creek, FL	$500	$2,445	$2,945	$1,777	$2,277	$668
St. Pete Beach, FL	$2,500	$932	$3,432	$677	$3,177	$255
Ruskin, FL	$400	$1,339	$1,739	$973	$1,373	$366
Dunedin, FL	$1,500	$1,323	$2,823	$962	$2,462	$362
Cheval, FL	$200	$928	$1,128	$674	$874	$254
New Port Richey, FL	$2,000	$1,193	$3,193	$867	$2,867	$326
The Meadows, FL	$400	$2,083	$2,483	$1,514	$1,914	$569
Port Richey, FL	$2,500	$863	$3,363	$627	$3,127	$236
Bradley Junction, FL	$400	$790	$1,190	$574	$974	$216
Lakeland, FL	$2,500	$1,149	$3,649	$835	$3,335	$314

Identify Top Home Insurance Agents near St. Petersburg, FL | Back to Top

Home Insurance Company St. Petersburg, FL	Homeowners Insurance Agency St. Petersburg, FL	Address	Distance from St. Petersburg (miles)
Travelers	First Florida Insurance Network Of Tampa Bay	2685 Ulmerton Road Suite 201, Clearwater, FL, 33762	7.7
State Farm	Tim Tran	9750 Seminole Blvd, Seminole, FL, 33772-2527	9.3
State Farm	Karen Wornicki	8120 4th St N Frnt, St Petersburg, FL, 33702-3629	4.7
State Farm	Jay Leniz	4774 Cortez Rd W, Bradenton, FL, 34210-2801	22.2
Travelers	Gulf Coast Commercial Insurance	815-B Cypress Village Blvd, Sun City, FL, 33573	18.1
Allstate	Shirley Michaels	5944 34th St N Ste 25, Saint Petersburg, FL, 33714	3.2
Allstate	Jim Everett	144 107th Ave, Treasure Island, FL, 33706	6.5
Travelers	Insurance Office Of America Inc	4915 W Cypress St, Ste 100, Tampa, FL, 33607	14.4
State Farm	Mike Foley	3704 Swann Avenue, Tampa, FL, 33609-4522	14.5
Liberty Mutual Independent	Harbor Insurance Group Inc	810 63rd Ave N, St Petersburg, FL, 33702	3.5

Compare Rates for St. Petersburg, 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
Pinellas County, FL	$167,100	$1,375	$1,070	$1,840	$770
St. Petersburg, FL	$152,300	$1,016	$790	$1,360	$570
Bear Creek, FL	$316,800	$2,475	$1,930	$3,320	$1,390
St. Pete Beach, FL	$369,100	$943	$740	$1,260	$520
Ruskin, FL	$163,700	$1,355	$1,060	$1,820	$760
Dunedin, FL	$161,100	$1,339	$1,040	$1,790	$750
Cheval, FL	$314,000	$939	$730	$1,260	$530
New Port Richey, FL	$132,700	$1,207	$940	$1,620	$680
The Meadows, FL	$256,600	$2,108	$1,640	$2,820	$1,180
Port Richey, FL	$94,600	$874	$680	$1,170	$490
Bradley Junction, FL	$59,400	$800	$620	$1,070	$450
Lakeland, FL	$125,600	$1,163	$910	$1,560	$650

Research Home Insurance Companies Reviews in St. Petersburg, FL Before Buying | Back to Top

Share a review on your home insurance company

Progressive Home Insurance Reviews

Date: September 04, 2018 Age: 50 to 59 Gender: Male Marital Status: Married

Policy Offerings

The basics are covered, the main structure of the house, the roof, the garage, our separate garage, our yard are all covered fully if damaged by accidental means or an act of god.

Date: August 28, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried

Communication

I like all the options that they give you to connect with them. they have options on their website, email, phone, snail mail. multiple ways to stay in contact with them. everyone can find a way that he or she is comfortable with.

Date: August 15, 2018 Age: Above 60 Gender: Male Marital Status: Married

Website/App

the website is very clean and easy to use. it is one of the most user-friendly websites I have seen for an insurance agency. it was not very hard to get a quote when we were shopping around for coverage.

Date: August 09, 2018 Age: 50 to 59 Gender: Male Marital Status: Married

Customer Service

I have not had much interaction with the companies customer service, especially not in connection to housing. but the small amount that I have dealt with them it was rather easy to get things done and they were straightforward with me.

Date: August 08, 2018 Age: 50 to 59 Gender: Male Marital Status: Married

Premium

during our research, they had one of the better price points for their coverage compared to the competitors. I don't think they were the cheapest, but they are a company that we have dealt with before and trusted.

USAA Home Insurance Reviews

Date: September 18, 2018 Age: 30 to 39 Gender: Female Marital Status: Married

Premium

USAA's premium seems to be a little bit lower than other companies. They do give a discount if you have other policies with them, such as an auto policy.

Date: August 30, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried

Policy Offerings

They cover my home and the inside belongings at replacement cost, which is very nice. I have a $500 deductible per claim, as well.

Date: August 21, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried

Website/App

Their website is very user-friendly. I haven't had any problems logging on and a nice feature is that I can go through my policy and change the coverage anytime.

Date: August 10, 2018 Age: 20 to 29 Gender: Male Marital Status: Married

Customer Service

So far I have enjoyed the customer service. They have been very helpful on the phone and they have a "chat" option on their website that I have used in the past.

Date: July 29, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried

Communication

I do like the amount of emails that they send, each month I get one reminding me that they are doing an auto-pay draft on my credit card. They also have special offers and discounts at other merchants that they send in an email.

Tower Hill Insurance Home Insurance Reviews

Date: August 21, 2018 Age: 50 to 59 Gender: Male Marital Status: Married

Premium

It is cheaper and covers more than my last policy. I haven't received any new quotes in a few years but I feel I am still getting a great deal for what I am receiving.

Date: August 12, 2018 Age: 20 to 29 Gender: Female Marital Status: Married

Customer Service

I have always found customer service to be quick and very compassionate. They have always made me feel like a valued customer and addressed my concerns quickly.

Date: August 02, 2018 Age: 40 to 49 Gender: Male Marital Status: Married

Communication

Between notifications on the APP and them making calls if necessary. I feel their communication is great.

Date: May 09, 2018 Age: 20 to 29 Gender: Male Marital Status: Married

Policy Offerings

Roof, Walls, Flooding, Sinkholes, Lightning Strikes, Hurricanes, Improvements, Structural damage, Medical Bills tied to getting hurt on the property.

Date: November 19, 2017 Age: 30 to 39 Gender: Female Marital Status: Married

Website/App

I don't use the mobile app that much, however its pretty simplistic with the standard menu system. I like being able to make payments directly and view account history on demand. I have no real dislikes for the app

The Hartford Home Insurance Reviews

Date: August 11, 2018 Age: 40 to 49 Gender: Female Marital Status: Married

Customer Service

That it takes a little longer than expected due to the clientele they have

Date: August 10, 2018 Age: 40 to 49 Gender: Female Marital Status: Married

Policy Offerings

It is very good because it covers many Damages as much as caused by a disaster. Natural persons or people

Date: August 07, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried

Premium

In comparison to other companies, this offers many offers of which I am very satisfied

Date: July 29, 2018 Age: 30 to 39 Gender: Male Marital Status: Married

Communication

Their good service and administration, but as I said they take a little bit for the large clientele they have

Date: November 19, 2017 Age: 20 to 29 Gender: Male Marital Status: Married

Website/App

It is a very good website, it has a very good interface and an excellent design

State Farm Home Insurance Reviews

Date: April 04, 2019 Age: 30 to 39 Gender: Male Marital Status: Married

Customer Service

My experience with State farm home insurance company's customer service is great, I appreciate their customer service. They are always helping me whenever I need their help.

Date: October 31, 2018 Age: 40 to 49 Gender: Male Marital Status: Married

Policy Offerings

The options available when bundling insurance tilts everything toward the most expensive options. Unbundling is confusing and it's hard to tell if I'm comparing similar products. I feel the entire experience is meant to confuse and intentionally mislead the consumer.

American Integrity Insurance Home Insurance Reviews

Date: December 31, 2018 Age: 40 to 49 Gender: Male Marital Status: Married

Customer Service

The customer service at NJM has always taken care of any questions or concerns that I've had. I like that they are a smaller regional insurance company.

Allstate Home Insurance Reviews

Date: February 08, 2019 Age: 30 to 39 Gender: Male Marital Status: Married

Premium

The premium is about what I would expect to pay for a home of my size and market value. We also bundled with our cars so we got a slight discount. It is not a huge discount by any means, but enough to write here about and I guess it saves us quite a bit in the long run.

Encompass Insurance Home Insurance Reviews

Date: November 17, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried

Policy Offerings

I think our company offers great coverage. Our policy is comprehensive and we are fully covered should the house ever be damaged or ruined. I am also very pleased with the offerings in relation to our monthly cost.

Olympus Insurance Home Insurance Reviews

Date: December 05, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried

Policy Offerings

The offering is good according to the particular period of time while comparing to the other companies this provides the good offering.

Farmer's Insurance Home Insurance Reviews

Date: December 29, 2018 Age: 30 to 39 Gender: Male Marital Status: Married

Premium

The deductible is quite good considering the coverage we have. We need a lot of different coverage because of our location and the quality of the coverage as well as the premium is amazing!