Gavop's guide to buying homeowners insurance in Upper Grand Lagoon, 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 |
|---|---|---|---|
| 1 Bedroom | $63,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $190,500 | $170,000 | $150,000-$175,000 |
| 3 Bedroom | $222,000 | $180,000 | $250,000-$300,000 |
| 4 Bedroom | $222,000 | $190,000 | $200,000-$250,000 |
| 5 Bedroom | $252,500 | $230,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$164 | $861 |
| Superior Protection Discount | -$92 | $932 |
| Fire & Security Discount | -$102 | $922 |
| Hail Resistant Roof Discount | -$31 | $994 |
| Newly Constructed Home Discount | -$277 | $748 |
| 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 |
| Bay County | $1,500 | $1,355 | $2,855 | $985 | $2,485 | $370 |
| Upper Grand Lagoon, FL | $1,000 | $1,012 | $2,012 | $736 | $1,736 | $277 |
| Bay County, FL | $300 | $1,355 | $1,655 | $985 | $1,285 | $370 |
| Laguna Beach, FL | $1,500 | $1,750 | $3,250 | $1,272 | $2,772 | $478 |
| Washington County, FL | $100 | $909 | $1,009 | $660 | $760 | $248 |
| Wausau, FL | $700 | $932 | $1,632 | $677 | $1,377 | $255 |
| Gulf County, FL | $200 | $1,000 | $1,200 | $726 | $926 | $273 |
| Port St. Joe, FL | $1,000 | $957 | $1,957 | $696 | $1,696 | $262 |
| DeFuniak Springs, FL | $100 | $807 | $907 | $587 | $687 | $221 |
| Destin, FL | $1,000 | $1,158 | $2,158 | $841 | $1,841 | $316 |
| Bristol, FL | $400 | $988 | $1,388 | $718 | $1,118 | $270 |
| Home Insurance Company Upper Grand Lagoon, FL | Homeowners Insurance Agency Upper Grand Lagoon, FL | Address | Popularity Score | Distance from Upper Grand Lagoon (miles) |
|---|---|---|---|---|
| Allstate | Mark S. Mckinney | 3009 Highway 77 Ste M, Panama City, FL, 32405 | 6.5 | |
| State Farm | Jim Liufau | 36008 Emerald Coast Pkwy, Destin, FL, 32541-5732 | 42.5 | |
| Allstate | Amy Dalton | 1315 E 14th St, Lynn Haven, FL, 32444 | 8.3 | |
| Allstate | Joe Brown | 17206 Panama City Beach Pkwy, Panama City Beach, FL, 32413 | 9.1 | |
| Allstate | Jeffrey Robinson | 1229 Airport Rd, Panama City, FL, 32405 | 4.4 | |
| Travelers | Hollomon Insurance Agency | 111 W 23rd St, Panama City, FL, 32405 | 5.5 | |
| Travelers | Anderson Insurance Services | 611 Camelia St, Panama City, FL, 32407 | 5.6 | |
| Allstate | Joey Kirkland | 3 Miracle Strip Loop Ste B, Panama City Beach, FL, 32407 | 3.2 | |
| State Farm | Willie Pollard | 1317 N Tyndall Pkwy, Panama City, FL, 32404-3200 | 9.6 | |
| Travelers | Farrell Realty & Insurance Agency Inc | 701 Ohio Ave, Lynn Haven, FL, 32444 | 8.0 |
| 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 |
| Bay County, FL | $166,400 | $1,372 | $1,070 | $1,840 | $770 |
| Upper Grand Lagoon, FL | $220,800 | $1,025 | $800 | $1,370 | $570 |
| Bay County, FL | $166,400 | $1,372 | $1,070 | $1,840 | $770 |
| Laguna Beach, FL | $204,000 | $1,771 | $1,380 | $2,370 | $990 |
| Washington County, FL | $102,700 | $920 | $720 | $1,230 | $510 |
| Wausau, FL | $80,400 | $943 | $740 | $1,260 | $520 |
| Gulf County, FL | $151,400 | $1,012 | $790 | $1,360 | $570 |
| Port St. Joe, FL | $170,100 | $969 | $760 | $1,300 | $540 |
| DeFuniak Springs, FL | $110,700 | $817 | $640 | $1,090 | $450 |
| Destin, FL | $284,900 | $1,172 | $910 | $1,570 | $660 |
| Bristol, FL | $88,800 | $1,000 | $780 | $1,340 | $560 |