Gavop's guide to buying homeowners insurance in Polk 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.
| Polk County, 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 | |
| Jacaranda Ave, Woodland Ave, Willis Rd, Scott Ave, Village Ct, N 24th St, Gulf Dr, Mineola Ave, Old Bartow Eagle Lake Rd, Fleming Rd | $123,500 | $110,000 | $100,000-$125,000 | $97,000 | $90,000 | $100,000-$125,000 |
| N Webster Ave, Cypress St, Hagan Rd, Scenic Pl, Brownwood Dr, McLeod Ave, Canal St E, 7th St NW, Allamanda Dr, Plum Ave | $168,000 | $140,000 | $125,000-$150,000 | $78,000 | $70,000 | $50,000-$75,000 |
| Cambridge Ave, Baywood St, Colonial Dr, Campbell Rd N, Sun Acres Blvd, Embry Ave, Glen Abby Ln, Lakeside Ranch, S Floral Ave, Martin Luther King Jr SE | $182,500 | $170,000 | $150,000-$175,000 | $145,000 | $120,000 | $100,000-$125,000 |
| Lake Ruth Dr W, W Lake Millsite Dr, Kensington St, Mark St, Jones Barwick Rd, K Ville Ave, Whatley Ln, Cove View Dr E, Loma Bonita Dr, Wilkes Dr | $150,500 | $130,000 | $125,000-$150,000 | $135,000 | $120,000 | $100,000-$125,000 |
| Woodland Hills Ave, Caddy Dr, Foxcroft Ct, Silver Sands Rd, Bailey Pl, Lemon Ave, Myrtice Ln, W Davis Ave, Vista Pass, Pinellas Rd SE | $181,000 | $170,000 | $150,000-$175,000 | $95,000 | $80,000 | $100,000-$125,000 |
| Platt Rd, Crescent Valley Ranch Rd, Longfellow Blvd, Grasslands Blvd, Village Center Dr, Rollins Dr, Ave K NW, Chestnut Rd, Melton Ave, Hillcrest Ave | $61,000 | $50,000 | $50,000-$75,000 | $69,000 | $60,000 | $75,000-$100,000 |
| E Lorraine Cir, Niblick Cir, E Heron Pl SE, Trail Cut Rd, Ohio Way, James St, Rachel Cherie Dr, S Lakeside Ave, Thornhill Estates Dr S, Terrace Way | $149,000 | $130,000 | $150,000-$175,000 | $109,500 | $90,000 | $75,000-$100,000 |
| Sienna Dr, Westwind Dr, Crescent Pl, Rebecca Ln, Lake Ruby Dr W, Brentwood Dr NE, Montecito Pl, John R Griffin Rd, Hedge Dr N, S 2nd St | $196,000 | $170,000 | $175,000-$200,000 | $161,500 | $130,000 | $125,000-$150,000 |
| Tedrow Rd, Hickory Hammock Rd, Santiago Ct, Sandyway Ln, Terry Rd, Sunset Way, Pine Level Ave, Score Ln, W Sessoms Ave, Lake Haven | $78,500 | $70,000 | $50,000-$75,000 | $67,000 | $50,000 | $50,000-$75,000 |
| Roberts Ave, Charles Ave, Sangster St, Lake Cove Pt, Jamestown Ave, Bonnet Lake Dr, Moon Lite Pass, Square Lake Dr, Ave I NW, 1st St N | $95,000 | $90,000 | $75,000-$100,000 | $109,500 | $90,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$159 | $975 |
| Superior Protection Discount | -$102 | $1,032 |
| Fire & Security Discount | -$91 | $1,043 |
| Hail Resistant Roof Discount | -$34 | $1,100 |
| Newly Constructed Home Discount | -$295 | $839 |
| 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 |
| Polk County | $700 | $1,120 | $1,820 | $814 | $1,514 | $306 |
| Polk County, FL | $1,000 | $1,120 | $2,120 | $814 | $1,814 | $306 |
| Cypress Gardens, FL | $100 | $1,009 | $1,109 | $734 | $834 | $276 |
| Waverly, FL | $2,000 | $907 | $2,907 | $659 | $2,659 | $248 |
| Alturas, FL | $300 | $995 | $1,295 | $723 | $1,023 | $272 |
| Celebration, FL | $1,000 | $932 | $1,932 | $678 | $1,678 | $255 |
| Fort Green, FL | $300 | $1,191 | $1,491 | $865 | $1,165 | $325 |
| Dover, FL | $1,500 | $1,048 | $2,548 | $762 | $2,262 | $286 |
| Hillsborough County, FL | $200 | $1,432 | $1,632 | $1,040 | $1,240 | $391 |
| Gardner, FL | $700 | $938 | $1,638 | $681 | $1,381 | $256 |
| Wesley Chapel, FL | $300 | $1,385 | $1,685 | $1,007 | $1,307 | $379 |
| Fairview Shores, FL | $1,000 | $1,042 | $2,042 | $758 | $1,758 | $285 |
| Home Insurance Company Polk County, FL | Homeowners Insurance Agency Polk County, FL | Address | Popularity Score | Distance from Polk County (miles) |
|---|---|---|---|---|
| Travelers | Heacock Insurance Group | 100 E Main St, Lakeland, FL, 33801 | 17.0 | |
| Travelers | Heacock Insurance Group | 100 E Main St, Lakeland, FL, 33801 | 17.3 | |
| Liberty Mutual Independent | Beall Insurance Services | 3004 Us Highway 98 N, Lakeland, FL, 33805 | 18.8 | |
| Travelers | Tyler Insurance Agency Inc | 1543 Lakeland Hills Blvd, Lakeland, FL, 33805 | 17.7 | |
| Travelers | Smith & Thomas Insurance | 115 Rogers Ter, Lakeland, FL, 33803 | 16.6 | |
| Travelers | Gibson & Wirt Inc | 125 E. Main St, Bartow, FL, 33830 | 10.0 | |
| State Farm | Tom Miller | 616 W Brandon Blvd, Brandon, FL, 33511-5006 | 36.7 | |
| Allstate | Michael Lia | 11001 N Dale Mabry Hwy, Tampa, FL, 33618 | 50.0 | |
| State Farm | Dan Mann | 6967 Cyprs Gdns Blvd, Winter Haven, FL, 33884-3572 | 2.5 | |
| Liberty Mutual Independent | Brown & Brown Of Florida Inc | 655 N Franklin St Ste 1900, Tampa, FL, 33602 | 46.8 |
| 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 |
| Polk County, FL | $121,100 | $1,134 | $880 | $1,520 | $640 |
| Polk County, FL | $121,100 | $1,134 | $880 | $1,520 | $640 |
| Cypress Gardens, FL | $153,400 | $1,022 | $800 | $1,370 | $570 |
| Waverly, FL | $76,700 | $918 | $720 | $1,230 | $510 |
| Alturas, FL | $89,800 | $1,007 | $790 | $1,350 | $560 |
| Celebration, FL | $401,600 | $944 | $740 | $1,260 | $520 |
| Fort Green, FL | $119,000 | $1,205 | $940 | $1,610 | $670 |
| Dover, FL | $97,700 | $1,061 | $830 | $1,420 | $590 |
| Hillsborough County, FL | $179,500 | $1,449 | $1,130 | $1,940 | $810 |
| Gardner, FL | $81,300 | $949 | $740 | $1,270 | $530 |
| Wesley Chapel, FL | $197,800 | $1,402 | $1,090 | $1,880 | $790 |
| Fairview Shores, FL | $160,500 | $1,055 | $820 | $1,410 | $590 |