Gavop's guide to buying homeowners insurance in Miramar Beach, 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.
| Miramar Beach, 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 | |
| Green Island Way, Golfview Dr, Nancy Claire Ln, Mockingbird Ln, Baypine Dr, Preserve Ln, My Way, Palmetto St, Hollywood St, Fire House Rd | $227,500 | $180,000 | $175,000-$200,000 | $222,000 | $210,000 | $175,000-$200,000 |
| Club Dr, Tang O Mar Dr, Driftwood Point Rd, Sandestin Blvd W, Mainsail Dr, Tivoli Terrace Dr, Loblolly Cir, Horseshoe Cir, Driftwood Bay, St Simon Cir | $312,000 | $260,000 | $350,000-$400,000 | $158,500 | $150,000 | $175,000-$200,000 |
| Emerald Shores, Missile Hill Rd, Snowdrift Rd, Hideaway Cove, Shore Dr, Jacksons Run, Silvene Cir, Place de la Fontaine, Baytowne Cir E, Hidden Lakes Dr | $226,000 | $210,000 | $200,000-$250,000 | $226,000 | $200,000 | $175,000-$200,000 |
| Augusta Cir, Beachwalk Pl, Hideaway Bay Dr, Sagris Cove, Southwinds Dr, Ivory Ct, Sandestin Estates Dr, Elephant Walk, W Harbor View Rd, Beach Row | $216,500 | $200,000 | $200,000-$250,000 | $256,000 | $210,000 | $200,000-$250,000 |
| Terrace Cir, Club Dr N, Aquamarine Cove, Spyglass Rd, Cottage Row, Hidden Lakes Cir, Sandestin Blvd S, S Sandestin Blvd, Cobalt Ln, Sandy Cay Dr | $418,500 | $360,000 | $400,000-$500,000 | $251,000 | $200,000 | $200,000-$250,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$84 | $854 |
| Home and Two Car | -$160 | $779 |
| Home and Three Car | -$235 | $704 |
| 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 | $1,000 | $1,334 | $2,334 | $969 | $1,969 | $365 |
| Miramar Beach, FL | $700 | $927 | $1,627 | $674 | $1,374 | $253 |
| Valparaiso, FL | $500 | $952 | $1,452 | $692 | $1,192 | $260 |
| Freeport, FL | $1,500 | $943 | $2,443 | $685 | $2,185 | $258 |
| Wright, FL | $200 | $1,041 | $1,241 | $757 | $957 | $284 |
| Harold, FL | $700 | $1,153 | $1,853 | $838 | $1,538 | $315 |
| West Holmes, FL | $200 | $792 | $992 | $575 | $775 | $216 |
| Bagdad, FL | $1,500 | $888 | $2,388 | $645 | $2,145 | $243 |
| Cedar Grove, FL | $400 | $948 | $1,348 | $689 | $1,089 | $259 |
| Milton, FL | $700 | $849 | $1,549 | $617 | $1,317 | $232 |
| Point Baker, FL | $500 | $992 | $1,492 | $721 | $1,221 | $271 |
| Home Insurance Company Miramar Beach, FL | Homeowners Insurance Agency Miramar Beach, FL | Address | Popularity Score | Distance from Miramar Beach (miles) |
|---|---|---|---|---|
| Travelers | Priority-One Insurance | 98 Beal Pkwy Nw, Fort Walton Beach, FL, 32548 | 16.3 | |
| State Farm | Jim Liufau | 36008 Emerald Coast Pkwy, Destin, FL, 32541-5732 | 4.3 | |
| Travelers | Affordable Home Insurance Inc | 3999 Commons Drive Suite F, Destin, FL, 32541 | 6.6 | |
| Travelers | Affordable Home Insurance Inc | 3999 Commons Dr W Ste F, Destin, FL, 32541 | 6.4 | |
| Allstate | Dave Morrow | 3997 Commons Dr W Ste H, Destin, FL, 32541 | 6.4 | |
| Travelers | Brightway Insurance Inc | 4507 Furling Ln Ste 103, Destin, FL, 32541 | 3.5 | |
| Travelers | Acentria Inc | 4634 Gulfstarr Dr, Destin, FL, 32541 | 4.1 | |
| Travelers | Fuller Insurance Llc | 4821 Us Highway 98 W Ste 103, Santa Rosa Beach, FL, 32459 | 5.3 | |
| Travelers | Fuller Insurance Llc | 4821 Us Highway 98 W Apt 103, Santa Rsa Bch, FL, 32459 | 5.3 | |
| Travelers | Acentria Inc | 4634 Gulfstarr Dr, Destin, FL, 32541 | 4.1 |
| 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 |
| Miramar Beach, FL | $355,300 | $938 | $730 | $1,260 | $530 |
| Valparaiso, FL | $203,500 | $964 | $750 | $1,290 | $540 |
| Freeport, FL | $189,200 | $955 | $740 | $1,280 | $540 |
| Wright, FL | $160,100 | $1,054 | $820 | $1,410 | $590 |
| Harold, FL | $113,400 | $1,167 | $910 | $1,560 | $650 |
| West Holmes, FL | $82,100 | $801 | $630 | $1,070 | $440 |
| Bagdad, FL | $127,700 | $899 | $700 | $1,200 | $500 |
| Cedar Grove, FL | $82,900 | $960 | $750 | $1,290 | $540 |
| Milton, FL | $119,400 | $859 | $670 | $1,150 | $480 |
| Point Baker, FL | $89,300 | $1,004 | $780 | $1,350 | $570 |