Gavop shows you how to buy homeowners insurance in Bagdad, FL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $40,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $80,500 | $60,000 | $75,000-$100,000 |
| 3 Bedroom | $112,500 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $120,000 | $110,000 | $125,000-$150,000 |
| 5 Bedroom | $197,500 | $170,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$162 | $737 |
| Superior Protection Discount | -$90 | $809 |
| Fire & Security Discount | -$99 | $800 |
| Hail Resistant Roof Discount | -$18 | $881 |
| Newly Constructed Home Discount | -$252 | $647 |
| 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 |
| Santa Rosa County | $2,000 | $1,379 | $3,379 | $1,002 | $3,002 | $377 |
| Bagdad, FL | $2,000 | $888 | $2,888 | $645 | $2,645 | $243 |
| Midway, FL | $500 | $997 | $1,497 | $725 | $1,225 | $273 |
| Goulding, FL | $1,500 | $740 | $2,240 | $538 | $2,038 | $202 |
| Brent, FL | $200 | $792 | $992 | $575 | $775 | $216 |
| Springhill, FL | $1,000 | $1,496 | $2,496 | $1,087 | $2,087 | $409 |
| Berrydale, FL | $400 | $1,082 | $1,482 | $786 | $1,186 | $296 |
| Jay, FL | $2,500 | $1,157 | $3,657 | $841 | $3,341 | $316 |
| Cinco Bayou, FL | $200 | $1,952 | $2,152 | $1,419 | $1,619 | $534 |
| Shalimar, FL | $2,500 | $2,153 | $4,653 | $1,565 | $4,065 | $588 |
| Robertsdale, AL | $400 | $850 | $1,250 | $618 | $1,018 | $232 |
| Orange Beach, AL | $700 | $1,000 | $1,700 | $727 | $1,427 | $273 |
| Home Insurance Company Bagdad, FL | Homeowners Insurance Agency Bagdad, FL | Address | Popularity Score | Distance from Bagdad (miles) |
|---|---|---|---|---|
| Travelers | Locklin Insurance Agency Inc | 5388 Stewart St, Milton, FL, 32570 | 6.4 | |
| State Farm | Ernie Parker | 3814 Highway 90, Pace, FL, 32571-1014 | 8.5 | |
| State Farm | Michael Johnson | 3127 Langley Ave, Pensacola, FL, 32504-4717 | 9.2 | |
| Allstate | Bernie Bellard | 4317 Gulf Breeze Pkwy, Gulf Breeze, FL, 32563 | 9.9 | |
| Allstate | Darren Spicer | 5084 Highway 90, Pace, FL, 32571 | 6.2 | |
| Liberty Mutual Independent | Whitman & Whitman Inc | 2032-A Creighton Rd, Pensacola, FL, 32504 | 10.0 | |
| Allstate | Scott Westmark | 6600a N 9th Ave, Pensacola, FL, 32504 | 9.5 | |
| Travelers | Bearman Insurance Agency Llc | 7552 Navarre Pkwy Ste 53, Navarre, FL, 32566 | 12.2 | |
| Allstate | Ruth Mcglothren | 4495 Woodbine Rd, Pace, FL, 32571 | 9.5 | |
| State Farm | Finis Calvert Sr | 2521 Creighton Rd Ste A, Pensacola, FL, 32504-7339 | 9.6 |
| 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 |
| Santa Rosa County, FL | $170,500 | $1,396 | $1,090 | $1,870 | $780 |
| Bagdad, FL | $127,700 | $899 | $700 | $1,200 | $500 |
| Midway, FL | $216,400 | $1,009 | $790 | $1,350 | $560 |
| Goulding, FL | $72,900 | $749 | $580 | $1,000 | $420 |
| Brent, FL | $82,000 | $801 | $630 | $1,070 | $440 |
| Springhill, FL | $165,000 | $1,514 | $1,180 | $2,030 | $850 |
| Berrydale, FL | $102,700 | $1,095 | $850 | $1,470 | $620 |
| Jay, FL | $114,000 | $1,171 | $910 | $1,570 | $660 |
| Cinco Bayou, FL | $235,700 | $1,976 | $1,540 | $2,650 | $1,110 |
| Shalimar, FL | $267,900 | $2,179 | $1,700 | $2,920 | $1,220 |
| Robertsdale, AL | $140,800 | $860 | $580 | $1,220 | $640 |
| Orange Beach, AL | $256,600 | $1,012 | $690 | $1,410 | $720 |