Gavop shows you how to buy homeowners insurance in Monroe County, FL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Monroe County, FL - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Avacado Ave, 1st Ln, Porgy Dr, Coral Ln, Cuda Ln, Seminary St, Tulip Ln, Duval St, Royal Palm Ave, Seaside North Ct | $488,500 | $400,000 | $500,000-$600,000 | $596,000 | $560,000 | $600,000-$700,000 |
| Petronia St, Dogwood Dell Rd Gulf, Leon St, Kyle Blvd, Lyttons Way, 122nd St Gulf, Simonton St, Vernon Ave, Lagoon Ln, Key Trailer Rd | $525,000 | $480,000 | $500,000-$600,000 | $1,101,000 | $960,000 | $800,000-$900,000 |
| Preston St, Laurel Ave, Mahogany Cir, Tarpon St, 96th St Ocean, Bittersweet Ave, Freelan Rd, Sunrise Dr, Grand St, Kingfish St | $610,500 | $540,000 | $400,000-$500,000 | $429,500 | $380,000 | $350,000-$400,000 |
| Lime Ave, Mayan St, Angela St, Loquat Dr, Transylvania Ave, 2nd Ave Ocean, Vacation Dr, Cortez Dr, Newfound Harbor Rd, Whalton St | $745,500 | $660,000 | $700,000-$800,000 | $983,500 | $850,000 | $900,000-$1,000,000 |
| 15th St, Bailey Rd, Matthew Perry Rd, Card Sound Rd, Vista Ln, 84th St, Westminster Dr, Dolphin Rd, Bay St, Garden Cove Dr | $129,000 | $120,000 | $100,000-$125,000 | $281,500 | $250,000 | $300,000-$350,000 |
| Hutchinson Ln, Bay Dr Exn, Collins St, Sunset Key Dr, Prisonwood Dr, Spoon Bill Lane Gulf, Howe St, 107th Street Gulf, Buttonwood Dr, Dockside Ln | $193,000 | $160,000 | $175,000-$200,000 | $427,000 | $380,000 | $400,000-$500,000 |
| Burgundy Dr, Seminole Blvd, Porpoise Dr, Hudgins St, Carysfort Rd, 84th St Ocean, 46th St, Old Overseas Hwy, Sir Francis Drake Dr, 18th St | $266,500 | $230,000 | $250,000-$300,000 | $304,500 | $270,000 | $300,000-$350,000 |
| Dockside Dr, Douglas Cir, Toppino Dr, Truesdell Ct, 16th Ln, Nautilis St, Country Club Rd, Golf Vlg, Kyle Way S, Amberjack Ln | $176,500 | $150,000 | $150,000-$175,000 | $364,500 | $320,000 | $300,000-$350,000 |
| 65th St, Journeys End Rd, Buttonwood Dr, Venetian Dr, Stirrup Key Blvd, 42nd Street Gulf, Vernon St, Belmont Ln, Wilder Rd, Dorothy Ave | $179,000 | $160,000 | $150,000-$175,000 | $380,500 | $340,000 | $400,000-$500,000 |
| Marina Dr, 50th St, Old US Hwy 1, 17th Ln, Avon Ave, Bee St, N Roosevelt Blvd, 11th St, Porto Vista Ct, Vonphister St | $274,500 | $260,000 | $300,000-$350,000 | $410,000 | $340,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$267 | $1,216 |
| Superior Protection Discount | -$148 | $1,335 |
| Fire & Security Discount | -$163 | $1,320 |
| Hail Resistant Roof Discount | -$30 | $1,454 |
| Newly Constructed Home Discount | -$297 | $1,187 |
| 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 |
| Monroe County | $700 | $1,466 | $2,166 | $1,065 | $1,765 | $401 |
| Monroe County, FL | $1,500 | $1,466 | $2,966 | $1,065 | $2,565 | $401 |
| Everglades, FL | $500 | $993 | $1,493 | $722 | $1,222 | $271 |
| Verona Walk, FL | $100 | $2,682 | $2,782 | $1,949 | $2,049 | $733 |
| Lely Resort, FL | $1,500 | $817 | $2,317 | $594 | $2,094 | $223 |
| Naples Manor, FL | $400 | $994 | $1,394 | $722 | $1,122 | $272 |
| The Hammocks, FL | $1,500 | $1,089 | $2,589 | $791 | $2,291 | $298 |
| Florida City, FL | $100 | $808 | $908 | $587 | $687 | $221 |
| Country Walk, FL | $2,500 | $2,208 | $4,708 | $1,605 | $4,105 | $603 |
| Naranja, FL | $300 | $977 | $1,277 | $710 | $1,010 | $267 |
| Home Insurance Company Monroe County, FL | Homeowners Insurance Agency Monroe County, FL | Address | Popularity Score | Distance from Monroe County (miles) |
|---|---|---|---|---|
| State Farm | Jim Diaz | 13550 Sw 88th St Ste 294, Miami, FL, 33186-1513 | 49.8 | |
| State Farm | Peter Pinto | 15058 Sw 56th St, Miami, FL, 33185-4071 | 48.6 | |
| Travelers | Prestige Insurance Group Inc | 15441 Sw 137 Ave, Miami, FL, 33177 | 49.5 | |
| Allstate | Monica Jacobs | 12644 Tamiami Trl E, Naples, FL, 34113 | 44.4 | |
| Allstate | Suntrust Agency Inc. | 3825 Beck Blvd Ste 704, Naples, FL, 34114 | 48.3 | |
| Allstate | Jorge Milanes | 50 N Homestead Blvd, Homestead, FL, 33030 | 46.7 | |
| Travelers | William Holzinger Insurance | 3825 Beck Blvd Ste 702, Naples, FL, 34114 | 48.3 | |
| State Farm | Juan F Colao | 15680 N Kendall Dr Ste 200, Miami, FL, 33196-1160 | 47.9 | |
| State Farm | George Meroni | 1801 N Krome Ave, Homestead, FL, 33030-3237 | 46.2 | |
| Allstate | Scott Gorham | 125 Ne 8th St Ste 7, Homestead, FL, 33030 | 46.5 |
| 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 |
| Monroe County, FL | $429,000 | $1,484 | $1,160 | $1,990 | $830 |
| Monroe County, FL | $429,000 | $1,484 | $1,160 | $1,990 | $830 |
| Everglades, FL | $215,200 | $1,005 | $780 | $1,350 | $570 |
| Verona Walk, FL | $358,600 | $2,715 | $2,120 | $3,640 | $1,520 |
| Lely Resort, FL | $494,200 | $827 | $640 | $1,110 | $470 |
| Naples Manor, FL | $150,100 | $1,006 | $780 | $1,350 | $570 |
| The Hammocks, FL | $262,800 | $1,102 | $860 | $1,480 | $620 |
| Florida City, FL | $110,800 | $818 | $640 | $1,100 | $460 |
| Country Walk, FL | $277,000 | $2,235 | $1,740 | $2,990 | $1,250 |
| Naranja, FL | $146,600 | $989 | $770 | $1,330 | $560 |