Gavop's guide to buying homeowners insurance in Lake Sarasota, 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 |
|---|---|---|---|
| 2 Bedroom | $99,500 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $248,000 | $230,000 | $250,000-$300,000 |
| 4 Bedroom | $356,000 | $340,000 | $350,000-$400,000 |
| 5 Bedroom | $378,500 | $360,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$163 | $794 |
| Superior Protection Discount | -$86 | $871 |
| Fire & Security Discount | -$86 | $871 |
| Hail Resistant Roof Discount | -$19 | $938 |
| Newly Constructed Home Discount | -$211 | $746 |
| 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 |
| Sarasota County | $1,500 | $1,230 | $2,730 | $894 | $2,394 | $336 |
| Lake Sarasota, FL | $1,500 | $946 | $2,446 | $687 | $2,187 | $258 |
| Warm Mineral Springs, FL | $400 | $780 | $1,180 | $567 | $967 | $213 |
| Englewood, FL | $1,000 | $1,016 | $2,016 | $739 | $1,739 | $278 |
| Charlotte Harbor, FL | $200 | $1,176 | $1,376 | $854 | $1,054 | $321 |
| Limestone, FL | $1,500 | $767 | $2,267 | $557 | $2,057 | $210 |
| Southeast Arcadia, FL | $100 | $861 | $961 | $625 | $725 | $235 |
| Riverview, FL | $1,000 | $1,455 | $2,455 | $1,057 | $2,057 | $398 |
| Treasure Island, FL | $200 | $927 | $1,127 | $674 | $874 | $253 |
| Bay Pines, FL | $2,000 | $1,548 | $3,548 | $1,125 | $3,125 | $423 |
| Redington Shores, FL | $100 | $2,863 | $2,963 | $2,081 | $2,181 | $782 |
| Feather Sound, FL | $1,000 | $2,350 | $3,350 | $1,708 | $2,708 | $642 |
| Home Insurance Company Lake Sarasota, FL | Homeowners Insurance Agency Lake Sarasota, FL | Address | Popularity Score | Distance from Lake Sarasota (miles) |
|---|---|---|---|---|
| Travelers | Sarasota Insurance Center Inc | 5899 Whitfield Ave Ste 103, Sarasota, FL, 34243 | 7.5 | |
| Allstate | Kevin Miller | 4579 Bee Ridge Rd, Sarasota, FL, 34233 | 2.5 | |
| Liberty Mutual Independent | Ben Brown Insurance Agency Inc | 3731 S Tuttle Ave, Sarasota, FL, 34239 | 4.8 | |
| Allstate | Tara Parsons Gancitano | 4400 S Tamiami Trl # B, Sarasota, FL, 34231 | 5.7 | |
| Allstate | Steve Matthews | 14818 Tamiami Trl, North Port, FL, 34287 | 21.6 | |
| Travelers | Sarasota Insurance Services Inc | 3737 Bahia Vista St 3, Sarasota, FL, 34232 | 4.1 | |
| Liberty Mutual Independent | Strategic Insurance Underwriters | 5560 Broadcast Ct, Sarasota, FL, 34240 | 6.2 | |
| State Farm | Ric Coffey | 8075 Beneva Road, Sarasota, FL, 34238-2938 | 5.3 | |
| Travelers | Al Purmort Insurance Inc | 3340 Bee Ridge Rd, Sarasota, FL, 34239 | 4.1 | |
| Liberty Mutual Independent | Roger Bouchard Insurance Inc | 5310 Clark Rd Ste 1, Sarasota, FL, 34233 | 2.2 |
| 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 |
| Sarasota County, FL | $215,300 | $1,245 | $970 | $1,670 | $700 |
| Lake Sarasota, FL | $189,800 | $957 | $750 | $1,280 | $530 |
| Warm Mineral Springs, FL | $104,900 | $789 | $620 | $1,060 | $440 |
| Englewood, FL | $154,900 | $1,029 | $800 | $1,380 | $580 |
| Charlotte Harbor, FL | $116,800 | $1,190 | $930 | $1,590 | $660 |
| Limestone, FL | $56,000 | $776 | $610 | $1,040 | $430 |
| Southeast Arcadia, FL | $69,800 | $871 | $680 | $1,170 | $490 |
| Riverview, FL | $183,400 | $1,472 | $1,150 | $1,970 | $820 |
| Treasure Island, FL | $361,300 | $938 | $730 | $1,260 | $530 |
| Bay Pines, FL | $172,900 | $1,567 | $1,220 | $2,100 | $880 |
| Redington Shores, FL | $392,200 | $2,898 | $2,260 | $3,880 | $1,620 |
| Feather Sound, FL | $300,700 | $2,379 | $1,860 | $3,190 | $1,330 |