How Can I Make My Palm Harbor, FL Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Palm Harbor, FL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Palm Harbor, FL Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $77,000 | $70,000 | $75,000-$100,000 |
| 2 Bedroom | $145,000 | $130,000 | $150,000-$175,000 |
| 3 Bedroom | $244,500 | $210,000 | $250,000-$300,000 |
| 4 Bedroom | $336,000 | $290,000 | $300,000-$350,000 |
| 5 Bedroom | $447,000 | $400,000 | $500,000-$600,000 |
Estimate your Savings with Home Insurance Discounts in Palm Harbor, FL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$194 | $1,191 |
| Superior Protection Discount | -$125 | $1,260 |
| Fire & Security Discount | -$139 | $1,247 |
| Hail Resistant Roof Discount | -$42 | $1,344 |
| Newly Constructed Home Discount | -$346 | $1,039 |
Choose your Palm Harbor, FL Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,914 |
| Physical Damage | $2,513 |
| Hail Damage | $4,524 |
| Wind Damage | $6,178 |
| Expensive Claims | |
| Fire | $46,016 |
| Smoke | $17,389 |
Identify Top Home Insurance Agents near Palm Harbor, FL | Back to Top
| Home Insurance Company Palm Harbor, FL | Homeowners Insurance Agency Palm Harbor, FL | Address | Popularity Score | Distance from Palm Harbor (miles) |
|---|---|---|---|---|
| Travelers | Bay Area Insurance Shop | 1452 Court St, Clearwater, FL, 33756 | 8.6 | |
| State Farm | Craig Duncan | 2454 N Mcmullen Booth Rd, Clearwater, FL, 33759 | 5.9 | |
| Allstate | Michael Lapella | 10911 Countryway Blvd, Tampa, FL, 33626 | 8.5 | |
| Travelers | Key Palm Insurance | 28463 Us Hwy 19 N Suite 102, Clearwater, FL, 33761 | 3.9 | |
| Travelers | Cornerstone Insurance Inc | 13035 W Linebaugh Ave Ste 102, Tampa, FL, 33626 | 7.3 | |
| Allstate | David Beck | 3800 Tampa Rd Ste 140, Oldsmar, FL, 34677 | 5.9 | |
| Travelers | Capstone Insurance Llc | 4539 Mile Stretch Dr, Holiday, FL, 34690 | 7.2 | |
| Allstate | Joseph Sullivan | 2141 Main St Ste G, Dunedin, FL, 34698 | 4.5 | |
| Travelers | Gulf Coast Underwriters | 11073 Countryway Blvd, Tampa, FL, 33626 | 8.4 | |
| Travelers | Donovan Insurance Solutions | 1 East Tarpon Ave, Tarpon Springs, FL, 34689 | 4.2 |
Compare Rates for Palm Harbor, 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 |
| Palm Harbor, FL | $194,700 | $1,385 | $1,080 | $1,860 | $780 |
| Greenbriar, FL | $162,300 | $1,496 | $1,170 | $2,000 | $830 |
| Egypt Lake-Leto, FL | $136,900 | $1,326 | $1,030 | $1,780 | $750 |
| Redington Shores, FL | $392,200 | $2,898 | $2,260 | $3,880 | $1,620 |
| Quail Ridge, FL | $195,700 | $1,717 | $1,340 | $2,300 | $960 |
| Shady Hills, FL | $107,400 | $801 | $620 | $1,070 | $450 |
| Palm River-Clair Mel, FL | $110,900 | $818 | $640 | $1,100 | $460 |
| Pasadena Hills, FL | $157,900 | $1,043 | $810 | $1,400 | $590 |
| Palmetto, FL | $110,900 | $1,070 | $830 | $1,430 | $600 |
| Brooksville, FL | $107,200 | $1,046 | $820 | $1,400 | $580 |
| Willow Oak, FL | $108,800 | $808 | $630 | $1,080 | $450 |
Research Home Insurance Companies Reviews in Palm Harbor, FL Before Buying | Back to Top
Share a review on your home insurance company
Progressive Home Insurance Reviews
Date: January 06, 2020 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
I am satisfied with my deductible as it is very low despite how good high the coverage is which is very useful to me.
Date: July 13, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
The insurance company I use for my home is just average. It's affordable and the coverage is ok.
American Integrity Insurance Home Insurance Reviews
Date: September 10, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
The premium and deductible are competitive when comparing them to the other insurance companies. The deductibles are in line with industry standard rates.
Nationwide Home Insurance Reviews
Date: August 08, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
I actually pay quite a bit less than I was paying with my other company and receive better quality service
USAA Home Insurance Reviews
Date: January 16, 2020 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
USAA is only available to veterans who have served in the military. The downside is that there are not many discounts that are available from this company.