Gavop's guide to buying homeowners insurance in Sumter County, 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.
| Sumter County, 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 | |
| Carbondale Ct, Co Rd 300, Jumper Dr S, SW 49 Path, Birmingham Ter, Isabella Ave, Estill Ave, SE 22nd Ter, C R 532 S, Co Rd 622 | $286,500 | $260,000 | $300,000-$350,000 | $231,500 | $210,000 | $250,000-$300,000 |
| Co Rd 305, NE 54th Ter, Davidson Ave, Virginia Ave, SW 61st Rd, Co Rd 312, Co Rd 127, SW 70 Dr, Anderson Ct, Monroe Ter | $198,000 | $160,000 | $200,000-$250,000 | $113,000 | $90,000 | $100,000-$125,000 |
| Ambrosia Pl, Gilbert St, Co Rd 539, Co Rd 248A, Co Rd 738H, Crestview Cir E, NE 4th Ave, Blossom Ter, Ramos Dr, SE 65 St | $334,000 | $300,000 | $350,000-$400,000 | $183,000 | $170,000 | $175,000-$200,000 |
| Scott St, Duncan Dr, Winthrop Ter, Co Rd 246, Co Rd 625, C R 682, el Paso Way, Vidalia Pl, Co Rd 676, Walden Way | $229,000 | $200,000 | $175,000-$200,000 | $186,500 | $180,000 | $175,000-$200,000 |
| Co Rd 607D, Co Rd 569, Hartford Ln, Co Rd 532A, NE 41st Vw, Co Rd 452, Buenos Aires Blvd, E Co Rd 48, S C 475, Co Rd 101 | $103,500 | $90,000 | $75,000-$100,000 | $96,000 | $90,000 | $100,000-$125,000 |
| Co Rd 100B, Shell Point Ave, Jackson St, Outlet Dr, Co Rd 683, Dunbar Ave, Co Rd 132, Estrella Ln, Bleheim Trl, Co Rd 453 | $155,500 | $130,000 | $125,000-$150,000 | $126,500 | $110,000 | $100,000-$125,000 |
| Bancroft Pl, Carbone Pl, Adeline Way, Danforth Ct, 4th St, Lowry Rd, Co Rd 146, N Co Rd 559, Odem St, Kay Ter | $211,000 | $180,000 | $200,000-$250,000 | $145,500 | $130,000 | $150,000-$175,000 |
| Crestwood Ln, Cr 415, Ridgeville Rd, Lexington Cir, Co Rd 623, NE 92nd Ln, Rutland St, SE 6th Ter, Co Rd 742, SE 100th Ave | $121,500 | $100,000 | $125,000-$150,000 | $108,500 | $90,000 | $100,000-$125,000 |
| Hagood Loop, Co Rd 321, Burbank Ln, N Rosewood St, Chester Ct, Caribou Way, Pine Pl, Balcorta Pl, Ellison Pl, Buster Pl | $207,500 | $190,000 | $175,000-$200,000 | $187,000 | $160,000 | $200,000-$250,000 |
| Co Rd 129, Keeneland Pl, SE 37th Rd, Co Rd 630, Gibbes Way, SW 43rd Ter, San Marino Dr, Guerra Ave, Canales Ln, Moncayo Ave | $168,000 | $140,000 | $150,000-$175,000 | $197,000 | $180,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$257 | $1,095 |
| Superior Protection Discount | -$135 | $1,216 |
| Fire & Security Discount | -$108 | $1,243 |
| Hail Resistant Roof Discount | -$27 | $1,324 |
| Newly Constructed Home Discount | -$351 | $1,000 |
| 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 |
| Sumter County | $2,000 | $1,335 | $3,335 | $970 | $2,970 | $365 |
| Sumter County, FL | $700 | $1,335 | $2,035 | $970 | $1,670 | $365 |
| The Villages, FL | $500 | $1,435 | $1,935 | $1,043 | $1,543 | $392 |
| Groveland-Mascotte, FL | $1,000 | $1,459 | $2,459 | $1,060 | $2,060 | $399 |
| North Brooksville, FL | $200 | $1,060 | $1,260 | $770 | $970 | $290 |
| Homosassa Springs, FL | $1,500 | $735 | $2,235 | $534 | $2,034 | $201 |
| Apopka, FL | $100 | $1,441 | $1,541 | $1,047 | $1,147 | $394 |
| Zephyrhills, FL | $700 | $845 | $1,545 | $614 | $1,314 | $231 |
| Orlovista, FL | $300 | $796 | $1,096 | $578 | $878 | $218 |
| Altamonte Springs, FL | $1,500 | $1,267 | $2,767 | $921 | $2,421 | $346 |
| Port Richey, FL | $400 | $863 | $1,263 | $627 | $1,027 | $236 |
| Longwood, FL | $700 | $994 | $1,694 | $723 | $1,423 | $272 |
| Home Insurance Company Sumter County, FL | Homeowners Insurance Agency Sumter County, FL | Address | Popularity Score | Distance from Sumter County (miles) |
|---|---|---|---|---|
| Allstate | Frank Slaughter | 820 S Main St # 1179, Wildwood, FL, 34785 | 9.5 | |
| State Farm | Nathan Thomas | 502 S Main St, Wildwood, FL, 34785-4832 | 9.9 | |
| Allstate | Rob Cole | 1327 Winter Springs Blvd, Winter Springs, FL, 32708 | 49.5 | |
| State Farm | Drew Davis | 1009 N 14th Street, Leesburg, FL, 34748-3818 | 13.7 | |
| Liberty Mutual Independent | Beall Insurance Services | 3004 Us Highway 98 N, Lakeland, FL, 33805 | 44.2 | |
| State Farm | Chris Semans | 122 N Old Dixie Hwy, Lady Lake, FL, 32159-4347 | 16.7 | |
| State Farm | Tony Lee | 1702 S Alexander Street, Plant City, FL, 33563 | 49.4 | |
| State Farm | Herman Johnson | 1507 Lakeland Hls Blvd Ste 103, Lakeland, FL, 33805-3205 | 45.3 | |
| Allstate | Kevin Mcdonald | 11962 County Road 101 Ste 305, The Villages, FL, 32162 | 15.4 | |
| Allstate | Floyd Huggins | 2199 A Citrus Blvd, Leesburg, FL, 34748 | 14.0 |
| 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 |
| Sumter County, FL | $239,800 | $1,351 | $1,050 | $1,810 | $760 |
| Sumter County, FL | $239,800 | $1,351 | $1,050 | $1,810 | $760 |
| The Villages, FL | $263,700 | $1,453 | $1,130 | $1,950 | $820 |
| Groveland-Mascotte, FL | $159,400 | $1,477 | $1,150 | $1,980 | $830 |
| North Brooksville, FL | $99,500 | $1,073 | $840 | $1,440 | $600 |
| Homosassa Springs, FL | $72,000 | $744 | $580 | $1,000 | $420 |
| Apopka, FL | $181,100 | $1,459 | $1,140 | $1,950 | $810 |
| Zephyrhills, FL | $71,400 | $856 | $670 | $1,150 | $480 |
| Orlovista, FL | $82,700 | $806 | $630 | $1,080 | $450 |
| Altamonte Springs, FL | $151,600 | $1,283 | $1,000 | $1,720 | $720 |
| Port Richey, FL | $94,600 | $874 | $680 | $1,170 | $490 |
| Longwood, FL | $163,800 | $1,006 | $790 | $1,350 | $560 |