Gavop's guide to buying homeowners insurance in Neptune 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $87,000 | $80,000 | $50,000-$75,000 |
| 2 Bedroom | $174,000 | $160,000 | $175,000-$200,000 |
| 3 Bedroom | $298,000 | $240,000 | $250,000-$300,000 |
| 4 Bedroom | $531,500 | $500,000 | $400,000-$500,000 |
| 5 Bedroom | $636,000 | $560,000 | $600,000-$700,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$84 | $853 |
| Home and Two Car | -$150 | $787 |
| Home and Three Car | -$234 | $703 |
| 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 |
| Duval County | $2,000 | $1,294 | $3,294 | $940 | $2,940 | $354 |
| Neptune Beach, FL | $700 | $926 | $1,626 | $673 | $1,373 | $253 |
| Atlantic Beach, FL | $100 | $922 | $1,022 | $670 | $770 | $252 |
| Lakeside, FL | $1,500 | $1,007 | $2,507 | $732 | $2,232 | $275 |
| Nassau Village-Ratliff, FL | $400 | $1,242 | $1,642 | $903 | $1,303 | $339 |
| Nassau County, FL | $2,000 | $1,336 | $3,336 | $971 | $2,971 | $365 |
| St. Augustine Shores, FL | $200 | $977 | $1,177 | $710 | $910 | $267 |
| Callahan-Hilliard, FL | $2,500 | $1,390 | $3,890 | $1,010 | $3,510 | $380 |
| Hastings, FL | $100 | $817 | $917 | $594 | $694 | $223 |
| Camden County, GA | $1,000 | $947 | $1,947 | $688 | $1,688 | $259 |
| Glen St. Mary, FL | $500 | $912 | $1,412 | $663 | $1,163 | $249 |
| Home Insurance Company Neptune Beach, FL | Homeowners Insurance Agency Neptune Beach, FL | Address | Popularity Score | Distance from Neptune Beach (miles) |
|---|---|---|---|---|
| Travelers | St Johns Insurance Agency | 115 Solana Rd Ste 2a, Ponte Vedra Beach, FL, 32082 | 5.9 | |
| Allstate | John Crowell | 9700 Philips Hwy, Jacksonville, FL, 32256 | 13.3 | |
| Allstate | David Cattin | 2294 Mayport Rd Ste 19b, Atlantic Beach, FL, 32233 | 2.8 | |
| State Farm | Connie Doyle | 14158 Marsh Woods Ct, Jacksonville, FL, 32224-3220 | 4.4 | |
| Travelers | Wells Insurance Agency | 1161-A South 6th St, Macclenny, FL, 32063 | 43.7 | |
| State Farm | Randy Taylor | 3041-1 Monument Rd, Jacksonville, FL, 32225-5711 | 9.2 | |
| Allstate | David Clements | 10440 Us Highway 1 N, Saint Augustine, FL, 32095 | 16.7 | |
| State Farm | Michael Tauzel | 13170 Atlantic Boulevard, Jacksonville, FL, 32225 | 4.1 | |
| State Farm | Parvez Sahotra | 3267 Hodges Blvd Ste 14, Jacksonville, FL, 32224-6063 | 4.3 | |
| State Farm | Vonnie Wiggins | 11757 Beach Blvd Ste 7, Jacksonville, FL, 32246-6633 | 7.5 |
| 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 |
| Duval County, FL | $156,200 | $1,310 | $1,020 | $1,750 | $730 |
| Neptune Beach, FL | $349,800 | $937 | $730 | $1,260 | $530 |
| Atlantic Beach, FL | $348,900 | $933 | $730 | $1,250 | $520 |
| Lakeside, FL | $152,900 | $1,019 | $790 | $1,370 | $580 |
| Nassau Village-Ratliff, FL | $126,700 | $1,257 | $980 | $1,680 | $700 |
| Nassau County, FL | $203,500 | $1,353 | $1,050 | $1,810 | $760 |
| St. Augustine Shores, FL | $174,700 | $988 | $770 | $1,320 | $550 |
| Callahan-Hilliard, FL | $149,000 | $1,407 | $1,100 | $1,890 | $790 |
| Hastings, FL | $112,800 | $827 | $640 | $1,110 | $470 |
| Camden County, GA | $154,500 | $958 | $690 | $1,350 | $660 |
| Glen St. Mary, FL | $77,500 | $923 | $720 | $1,240 | $520 |