Gavop shows you how to buy homeowners insurance in Walton Beaches, FL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Walton Beaches, 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 | |
| Beachwalk Villas, Topsail Hill Rd, Belize Ln, Grand Point Dr N, Alamo St, Bayou Dr, S Gulf Dr, Shop Rd, Hope Town Ln, Birch St | $290,000 | $240,000 | $250,000-$300,000 | $215,000 | $190,000 | $200,000-$250,000 |
| Seaspring Cove, Seabreeze Blvd, Lake Front Dr, E Poplar Way, Hilltop Dr, Primerose Ct, Redbay Ct, Natchez St, Seagull Ct, Ramsgate Ct | $235,500 | $210,000 | $200,000-$250,000 | $215,000 | $180,000 | $200,000-$250,000 |
| Arnett Ln, Banfill St, Cypress St, Sea Croft Dr, Wimbledon Ct, Rhodes Cove, Bermuda Dr, Shipwatch Ln, Kingfish St, Poseldon Pl | $260,500 | $250,000 | $250,000-$300,000 | $212,500 | $180,000 | $175,000-$200,000 |
| Lakeview Dr, Coco Ct, Driscoll Dr, Sandy Cay Dr, Boone Ln, Twisted Pine Trl, Ridge Rd, Smollian Cir, Thicket Cir, Bayou Landing Rd | $229,500 | $210,000 | $250,000-$300,000 | $142,500 | $120,000 | $150,000-$175,000 |
| Griffin Cove, Barefoot Ln, Elise St, Stallworth Blvd, High Dune Dr, Sandestin Estates Dr, Hideaway Bay Dr, W Grove Ave, Coast Bridge Ln, Sea Oates Rd | $281,000 | $250,000 | $200,000-$250,000 | $189,000 | $160,000 | $150,000-$175,000 |
| Cove Dr, Bay Dr, Ellis Rd, Lydia Ave, Bay Oak St, Savelle Dr, Terrace Cir, Mack Bayou Rd, Pine Ridge Ln, Emerald Bay Dr | $384,000 | $330,000 | $350,000-$400,000 | $249,500 | $220,000 | $250,000-$300,000 |
| Triggerfish St, Crystal Ct, Dalton Dr, Foxglove St, Chat Holly Rd, Secret Harbor Dr, Emerald Shores Blvd, Sandestin Ln, Bay Haven Ct, Beachside 1 | $275,000 | $250,000 | $200,000-$250,000 | $170,500 | $140,000 | $125,000-$150,000 |
| N Shingle Ln, Baird Rd, Raymond Cir, Georgie St, Ranger Rd, Choctaw Shores Ct, Sugarloaf Aly, Venice Cir, Main St, W Co Hwy 30A | $328,000 | $270,000 | $300,000-$350,000 | $197,000 | $170,000 | $175,000-$200,000 |
| St Francis Dr N, Okeechobee E, W Hodge Rd, Seawinds Ct, Place de la Fontaine, Live Oak St, S Co Hwy 83, Lee Pl, Schooner Cove, Augusta Cir | $246,500 | $200,000 | $200,000-$250,000 | $192,000 | $180,000 | $175,000-$200,000 |
| Windward Ln, Silver Laurel Way, Waterwood Ct, Dune Dr, Amber Cove, Turquoise Beach Dr, Coffeen Hill Rd, Snowdrift Rd, Bald Eagle Ct, Acacia St | $270,000 | $240,000 | $250,000-$300,000 | $174,000 | $140,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$132 | $810 |
| Superior Protection Discount | -$85 | $857 |
| Fire & Security Discount | -$66 | $876 |
| Hail Resistant Roof Discount | -$28 | $914 |
| Newly Constructed Home Discount | -$254 | $688 |
| 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 |
| Walton County | $2,000 | $1,334 | $3,334 | $969 | $2,969 | $365 |
| Walton Beaches, FL | $1,500 | $931 | $2,431 | $676 | $2,176 | $254 |
| Miramar Beach, FL | $400 | $927 | $1,327 | $674 | $1,074 | $253 |
| Freeport, FL | $700 | $943 | $1,643 | $685 | $1,385 | $258 |
| Ebro, FL | $300 | $1,084 | $1,384 | $788 | $1,088 | $296 |
| Fort Walton Beach, FL | $1,000 | $1,391 | $2,391 | $1,011 | $2,011 | $380 |
| DeFuniak Springs, FL | $300 | $807 | $1,107 | $587 | $887 | $221 |
| Lower Grand Lagoon, FL | $700 | $1,646 | $2,346 | $1,196 | $1,896 | $450 |
| Crestview, FL | $300 | $1,392 | $1,692 | $1,011 | $1,311 | $380 |
| Panama City, FL | $700 | $1,274 | $1,974 | $926 | $1,626 | $348 |
| Mexico Beach, FL | $400 | $986 | $1,386 | $717 | $1,117 | $270 |
| Home Insurance Company Walton Beaches, FL | Homeowners Insurance Agency Walton Beaches, FL | Address | Popularity Score | Distance from Walton Beaches (miles) |
|---|---|---|---|---|
| Allstate | Legacy Insurance | 301 N Ferdon Blvd, Crestview, FL, 32536 | 36.3 | |
| State Farm | Ryan Cabaniss | 1189 John Sims Pkwy E, Niceville, FL, 32578-2752 | 19.8 | |
| State Farm | Bo Burns | 1811 John Sims Pkwy E, Niceville, FL, 32578-2337 | 18.9 | |
| State Farm | Jim Liufau | 36008 Emerald Coast Pkwy, Destin, FL, 32541-5732 | 13.4 | |
| Travelers | Niceville Insurance Agency | 109 Bullock Blvd, Niceville, FL, 32578 | 19.9 | |
| Allstate | Michael Cheney | 7 Racetrack Rd Ne, Fort Walton Beach, FL, 32547 | 25.8 | |
| Travelers | Niceville Insurance Agency | 109 Bullock Blvd, Niceville, FL, 32578 | 20.0 | |
| Travelers | Affordable Home Insurance Inc | 3999 Commons Drive Suite F, Destin, FL, 32541 | 15.6 | |
| Allstate | Frances Faille | 917 Hospital Dr, Niceville, FL, 32578 | 20.1 | |
| Travelers | Affordable Home Insurance Inc | 3999 Commons Dr W Ste F, Destin, FL, 32541 | 15.4 |
| 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 |
| Walton County, FL | $203,100 | $1,350 | $1,050 | $1,810 | $760 |
| Walton Beaches, FL | $366,200 | $942 | $730 | $1,260 | $530 |
| Miramar Beach, FL | $355,300 | $938 | $730 | $1,260 | $530 |
| Freeport, FL | $189,200 | $955 | $740 | $1,280 | $540 |
| Ebro, FL | $103,100 | $1,097 | $860 | $1,470 | $610 |
| Fort Walton Beach, FL | $198,900 | $1,408 | $1,100 | $1,890 | $790 |
| DeFuniak Springs, FL | $110,700 | $817 | $640 | $1,090 | $450 |
| Lower Grand Lagoon, FL | $187,900 | $1,666 | $1,300 | $2,230 | $930 |
| Crestview, FL | $172,700 | $1,409 | $1,100 | $1,890 | $790 |
| Panama City, FL | $152,900 | $1,290 | $1,010 | $1,730 | $720 |
| Mexico Beach, FL | $213,400 | $998 | $780 | $1,340 | $560 |