Gavop's guide to buying homeowners insurance in Midway, 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 | $70,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $151,000 | $120,000 | $125,000-$150,000 |
| 3 Bedroom | $295,000 | $270,000 | $250,000-$300,000 |
| 4 Bedroom | $240,500 | $200,000 | $200,000-$250,000 |
| 5 Bedroom | $263,500 | $220,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$172 | $838 |
| Superior Protection Discount | -$101 | $908 |
| Fire & Security Discount | -$101 | $908 |
| Hail Resistant Roof Discount | -$20 | $989 |
| Newly Constructed Home Discount | -$273 | $737 |
| 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 | $1,500 | $1,379 | $2,879 | $1,002 | $2,502 | $377 |
| Midway, FL | $2,000 | $997 | $2,997 | $725 | $2,725 | $273 |
| Bagdad, FL | $400 | $888 | $1,288 | $645 | $1,045 | $243 |
| Goulding, FL | $1,500 | $740 | $2,240 | $538 | $2,038 | $202 |
| East Milton, FL | $500 | $1,083 | $1,583 | $787 | $1,287 | $296 |
| Myrtle Grove, FL | $1,000 | $900 | $1,900 | $654 | $1,654 | $246 |
| Point Baker, FL | $200 | $992 | $1,192 | $721 | $921 | $271 |
| Orange Beach, AL | $2,000 | $1,000 | $3,000 | $727 | $2,727 | $273 |
| Jay, FL | $500 | $1,157 | $1,657 | $841 | $1,341 | $316 |
| Gulf Shores, AL | $1,500 | $991 | $2,491 | $720 | $2,220 | $271 |
| Baldwin County, AL | $300 | $1,232 | $1,532 | $895 | $1,195 | $337 |
| Laurel Hill, FL | $700 | $1,262 | $1,962 | $917 | $1,617 | $345 |
| Home Insurance Company Midway, FL | Homeowners Insurance Agency Midway, FL | Address | Popularity Score | Distance from Midway (miles) |
|---|---|---|---|---|
| Allstate | Angie Batten | 2784 Gulf Breeze Pkwy, Gulf Breeze, FL, 32563 | 6.4 | |
| State Farm | Michael Johnson | 3127 Langley Ave, Pensacola, FL, 32504-4717 | 12.0 | |
| Allstate | Bernie Bellard | 4317 Gulf Breeze Pkwy, Gulf Breeze, FL, 32563 | 2.4 | |
| Travelers | Bearman Insurance Agency Llc | 7552 Navarre Pkwy Ste 53, Navarre, FL, 32566 | 5.8 | |
| Travelers | Florida Insurance Agency | 7250 Pine Forest Rd , Pensacola, FL, 32571 | 19.0 | |
| State Farm | Arthur Searcy | 916 W Michigan Ave Ste E, Pensacola, FL, 32505-2318 | 16.1 | |
| Travelers | All Risk Insurance Inc | 79 Baybridge Dr, Gulf Breeze, FL, 32561 | 10.3 | |
| Travelers | Bearman Insurance Agency Llc | 7552 Pkwy, Ste 53 , Navarre, FL, 32566 | 5.4 | |
| Travelers | Florida Insurance Agency | 3763 Hwy 90, Milton, FL, 32571 | 16.3 | |
| State Farm | Mary Beth Price | 2726 Glf Brz Pkwy, Gulf Breeze, FL, 32563-3091 | 6.5 |
| 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 |
| Santa Rosa County, FL | $170,500 | $1,396 | $1,090 | $1,870 | $780 |
| Midway, FL | $216,400 | $1,009 | $790 | $1,350 | $560 |
| Bagdad, FL | $127,700 | $899 | $700 | $1,200 | $500 |
| Goulding, FL | $72,900 | $749 | $580 | $1,000 | $420 |
| East Milton, FL | $102,900 | $1,096 | $850 | $1,470 | $620 |
| Myrtle Grove, FL | $101,200 | $911 | $710 | $1,220 | $510 |
| Point Baker, FL | $89,300 | $1,004 | $780 | $1,350 | $570 |
| Orange Beach, AL | $256,600 | $1,012 | $700 | $1,410 | $710 |
| Jay, FL | $114,000 | $1,171 | $910 | $1,570 | $660 |
| Gulf Shores, AL | $251,100 | $1,003 | $680 | $1,370 | $690 |
| Baldwin County, AL | $182,000 | $1,247 | $910 | $1,770 | $860 |
| Laurel Hill, FL | $129,600 | $1,277 | $1,000 | $1,710 | $710 |