Gavop's guide to buying homeowners insurance in Lakeland Highlands, 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 | $83,000 | $80,000 | $75,000-$100,000 |
| 2 Bedroom | $144,000 | $120,000 | $150,000-$175,000 |
| 3 Bedroom | $262,500 | $230,000 | $200,000-$250,000 |
| 4 Bedroom | $458,500 | $400,000 | $350,000-$400,000 |
| 5 Bedroom | $599,500 | $480,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$150 | $847 |
| Superior Protection Discount | -$90 | $907 |
| Fire & Security Discount | -$70 | $927 |
| Hail Resistant Roof Discount | -$30 | $967 |
| Newly Constructed Home Discount | -$229 | $768 |
| 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 |
| Lakeland Highlands, FL | $1,500 | $985 | $2,485 | $716 | $2,216 | $269 |
| Palm River-Gibsonton, FL | $100 | $1,213 | $1,313 | $882 | $982 | $332 |
| Tampa, FL | $2,500 | $1,403 | $3,903 | $1,020 | $3,520 | $383 |
| Keystone, FL | $400 | $2,716 | $3,116 | $1,974 | $2,374 | $742 |
| Avon Park, FL | $2,000 | $892 | $2,892 | $648 | $2,648 | $244 |
| Feather Sound, FL | $300 | $2,350 | $2,650 | $1,708 | $2,008 | $642 |
| Quail Ridge, FL | $1,000 | $1,696 | $2,696 | $1,233 | $2,233 | $464 |
| Moon Lake, FL | $500 | $754 | $1,254 | $548 | $1,048 | $206 |
| Minneola, FL | $1,500 | $1,034 | $2,534 | $751 | $2,251 | $283 |
| Pinellas County, FL | $200 | $1,359 | $1,559 | $987 | $1,187 | $371 |
| Palm Harbor, FL | $1,000 | $1,368 | $2,368 | $995 | $1,995 | $374 |
| Home Insurance Company Lakeland Highlands, FL | Homeowners Insurance Agency Lakeland Highlands, FL | Address | Popularity Score | Distance from Lakeland Highlands (miles) |
|---|---|---|---|---|
| State Farm | Wayne Peace | 2325 S Florida Ave, Lakeland, FL, 33803-7228 | 4.1 | |
| Travelers | Heacock Insurance Group | 100 E Main St, Lakeland, FL, 33801 | 6.0 | |
| Travelers | Heacock Insurance Group | 100 E Main St, Lakeland, FL, 33801 | 6.0 | |
| Travelers | The Jones Agency Inc | 2098 Shepherd Rd , Mulberry, FL, 33860 | 2.8 | |
| Travelers | Full Cover Insurance Solutions | 3141 S Florida Ave, Lakeland, FL, 33803 | 3.4 | |
| Travelers | Smith & Thomas Insurance | 115 Rogers Terrace, Lakeland, FL, 33803 | 3.8 | |
| Travelers | The Jones Agency Inc | 2098 Shepherd Rd, Mulberry, FL, 33860 | 2.7 | |
| Travelers | Tyler Insurance Agency Inc | 1543 Lakeland Hills Blvd, Lakeland, FL, 33805 | 7.5 | |
| Travelers | Smith & Thomas Insurance | 115 Rogers Ter, Lakeland, FL, 33803 | 3.8 | |
| State Farm | Jim Lanier | 4525 S Florida Ave Ste 7, Lakeland, FL, 33813-2184 | 1.8 |
| 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 |
| Lakeland Highlands, FL | $212,900 | $997 | $780 | $1,340 | $560 |
| Palm River-Gibsonton, FL | $122,300 | $1,228 | $960 | $1,650 | $690 |
| Tampa, FL | $174,600 | $1,420 | $1,110 | $1,900 | $790 |
| Keystone, FL | $364,600 | $2,749 | $2,140 | $3,680 | $1,540 |
| Avon Park, FL | $79,900 | $902 | $700 | $1,210 | $510 |
| Feather Sound, FL | $300,700 | $2,379 | $1,860 | $3,190 | $1,330 |
| Quail Ridge, FL | $195,700 | $1,717 | $1,340 | $2,300 | $960 |
| Moon Lake, FL | $54,100 | $763 | $600 | $1,020 | $420 |
| Minneola, FL | $158,700 | $1,047 | $820 | $1,400 | $580 |
| Pinellas County, FL | $167,100 | $1,375 | $1,070 | $1,840 | $770 |
| Palm Harbor, FL | $194,700 | $1,385 | $1,080 | $1,860 | $780 |