Gavop's guide to buying homeowners insurance in Franklin 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 | $60,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $87,500 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $111,500 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $174,500 | $160,000 | $150,000-$175,000 |
| 5 Bedroom | $447,500 | $410,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$150 | $785 |
| Superior Protection Discount | -$84 | $851 |
| Fire & Security Discount | -$65 | $869 |
| Hail Resistant Roof Discount | -$28 | $907 |
| Newly Constructed Home Discount | -$224 | $711 |
| 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 |
| Franklin County | $1,000 | $924 | $1,924 | $671 | $1,671 | $252 |
| Franklin County, FL | $1,500 | $924 | $2,424 | $671 | $2,171 | $252 |
| Sopchoppy, FL | $400 | $845 | $1,245 | $614 | $1,014 | $231 |
| West Wakulla, FL | $1,500 | $1,099 | $2,599 | $798 | $2,298 | $300 |
| Gulf County, FL | $300 | $1,000 | $1,300 | $726 | $1,026 | $273 |
| Liberty County, FL | $700 | $681 | $1,381 | $495 | $1,195 | $186 |
| East Wakulla, FL | $300 | $1,321 | $1,621 | $960 | $1,260 | $361 |
| Blountstown, FL | $2,500 | $824 | $3,324 | $599 | $3,099 | $225 |
| Bristol, FL | $400 | $988 | $1,388 | $718 | $1,118 | $270 |
| Mexico Beach, FL | $700 | $986 | $1,686 | $717 | $1,417 | $270 |
| Woodville, FL | $300 | $1,155 | $1,455 | $839 | $1,139 | $316 |
| Home Insurance Company Franklin County, FL | Homeowners Insurance Agency Franklin County, FL | Address | Popularity Score | Distance from Franklin County (miles) |
|---|---|---|---|---|
| Travelers | Hannon Insurance Agency | 221 Reid Ave Port St. Joe, Port St Joe, FL, 32456 | 30.3 | |
| Travelers | Vickery-Obrien Insurance Inc | 17555 Main St N, Blountstown, FL, 32424 | 46.4 | |
| Travelers | Willis Insurance Agency Inc | 16867 Nw 16th Street, Blountstown, FL, 32424 | 46.5 | |
| Allstate | Gaskin Graddy Ins | 156 2nd St. N., Wewahitchka, FL, 32465 | 31.8 | |
| Travelers | Rogers Gunter Vaughn Insurance Inc | 2190 Crawfordville Hwy, Crawfordville, FL, 32327 | 38.0 | |
| Allstate | Marks Ins Agcy Inc | 61 Ave E Po Box 129, Apalachicola, FL, 32329 | 12.5 | |
| Allstate | Rgrs Gntr Vghn/Wkla | 2190 Crawfordville Hwy, Crawfordville, FL, 32327 | 38.0 | |
| Allstate | Van Lieropblount | 17555 Main St N, Blountstown, FL, 32424 | 46.4 | |
| Allstate | Hannon Ins Agy Llc | 221 Reid Ave, Port St Joe, FL, 32456 | 30.3 |
| 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 |
| Franklin County, FL | $135,300 | $935 | $730 | $1,250 | $520 |
| Franklin County, FL | $135,300 | $935 | $730 | $1,250 | $520 |
| Sopchoppy, FL | $67,500 | $855 | $670 | $1,150 | $480 |
| West Wakulla, FL | $105,300 | $1,112 | $870 | $1,490 | $620 |
| Gulf County, FL | $151,400 | $1,012 | $790 | $1,360 | $570 |
| Liberty County, FL | $62,400 | $689 | $540 | $920 | $380 |
| East Wakulla, FL | $138,500 | $1,337 | $1,040 | $1,790 | $750 |
| Blountstown, FL | $87,700 | $834 | $650 | $1,120 | $470 |
| Bristol, FL | $88,800 | $1,000 | $780 | $1,340 | $560 |
| Mexico Beach, FL | $213,400 | $998 | $780 | $1,340 | $560 |
| Woodville, FL | $113,600 | $1,169 | $910 | $1,570 | $660 |