Gavop's guide to buying homeowners insurance in Willow Oak, 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 | $38,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $85,000 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $114,000 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $182,500 | $150,000 | $200,000-$250,000 |
| 5 Bedroom | $366,000 | $310,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$113 | $695 |
| Superior Protection Discount | -$81 | $727 |
| Fire & Security Discount | -$81 | $727 |
| Hail Resistant Roof Discount | -$16 | $792 |
| Newly Constructed Home Discount | -$210 | $598 |
| 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 |
| Polk County | $1,000 | $1,120 | $2,120 | $814 | $1,814 | $306 |
| Willow Oak, FL | $1,500 | $798 | $2,298 | $580 | $2,080 | $218 |
| Babson Park, FL | $400 | $1,184 | $1,584 | $860 | $1,260 | $323 |
| Carrollwood, FL | $1,000 | $1,212 | $2,212 | $881 | $1,881 | $331 |
| Land O' Lakes, FL | $200 | $973 | $1,173 | $707 | $907 | $266 |
| Gardner, FL | $700 | $938 | $1,638 | $681 | $1,381 | $256 |
| Pinellas County, FL | $200 | $1,359 | $1,559 | $987 | $1,187 | $371 |
| Quail Ridge, FL | $700 | $1,696 | $2,396 | $1,233 | $1,933 | $464 |
| Bear Creek, FL | $300 | $2,445 | $2,745 | $1,777 | $2,077 | $668 |
| Garden Grove, FL | $2,000 | $947 | $2,947 | $688 | $2,688 | $259 |
| The Meadows, FL | $500 | $2,083 | $2,583 | $1,514 | $2,014 | $569 |
| Arcadia, FL | $2,000 | $803 | $2,803 | $583 | $2,583 | $219 |
| Home Insurance Company Willow Oak, FL | Homeowners Insurance Agency Willow Oak, FL | Address | Popularity Score | Distance from Willow Oak (miles) |
|---|---|---|---|---|
| Travelers | Heacock Insurance Group | 100 E Main St, Lakeland, FL, 33801 | 9.5 | |
| State Farm | Courtney Paat | 1805 J L Redman Pkwy Ste 101, Plant City, FL, 33563-7012 | 7.9 | |
| Travelers | The Jones Agency Inc | 2098 Shepherd Rd , Mulberry, FL, 33860 | 2.3 | |
| Travelers | Poppell Insurance Inc | 503 W Martin Luther King Blvd, Plant City, FL, 33563 | 8.9 | |
| Travelers | Southern Family Insurance Services Llc | 101 W Main St Ste 123, Lakeland, FL, 33815 | 9.4 | |
| Travelers | Smith & Thomas Insurance | 115 Rogers Terrace, Lakeland, FL, 33803 | 7.5 | |
| Travelers | The Jones Agency Inc | 2098 Shepherd Rd, Mulberry, FL, 33860 | 2.4 | |
| State Farm | Elizabeth Lawson | 4342 Duhme Rd, Madeira Beach, FL, 33708-2809 | 47.6 | |
| Travelers | Jefferson-Allsopp Inc | 439 S Florida Ave Ste 201, Lakeland, FL, 33801 | 9.1 | |
| State Farm | Tony Lee | 1702 S Alexander Street, Plant City, FL, 33563 | 8.8 |
| 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 |
| Polk County, FL | $121,100 | $1,134 | $880 | $1,520 | $640 |
| Willow Oak, FL | $108,800 | $808 | $630 | $1,080 | $450 |
| Babson Park, FL | $117,900 | $1,198 | $930 | $1,610 | $680 |
| Carrollwood, FL | $211,200 | $1,227 | $960 | $1,640 | $680 |
| Land O' Lakes, FL | $209,600 | $985 | $770 | $1,320 | $550 |
| Gardner, FL | $81,300 | $949 | $740 | $1,270 | $530 |
| Pinellas County, FL | $167,100 | $1,375 | $1,070 | $1,840 | $770 |
| Quail Ridge, FL | $195,700 | $1,717 | $1,340 | $2,300 | $960 |
| Bear Creek, FL | $316,800 | $2,475 | $1,930 | $3,320 | $1,390 |
| Garden Grove, FL | $82,600 | $958 | $750 | $1,280 | $530 |
| The Meadows, FL | $256,600 | $2,108 | $1,640 | $2,820 | $1,180 |
| Arcadia, FL | $84,000 | $812 | $630 | $1,090 | $460 |