How Can I Make My Palm Coast, FL Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Palm Coast, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Palm Coast, FL Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $52,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $130,500 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $101,500 | $80,000 | $100,000-$125,000 |
| 4 Bedroom | $135,500 | $110,000 | $125,000-$150,000 |
| 5 Bedroom | $259,000 | $240,000 | $200,000-$250,000 |
Estimate your Savings with Home Insurance Discounts in Palm Coast, FL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$234 | $1,227 |
| Superior Protection Discount | -$146 | $1,315 |
| Fire & Security Discount | -$102 | $1,358 |
| Hail Resistant Roof Discount | -$29 | $1,431 |
| Newly Constructed Home Discount | -$394 | $1,066 |
Choose the Right Deductible for your Palm Coast, FL Home | Back to Top
| 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 |
| Flagler County | $2,000 | $1,484 | $3,484 | $1,079 | $3,079 | $406 |
| Palm Coast, FL | $1,000 | $1,443 | $2,443 | $1,049 | $2,049 | $394 |
| Ormond Beach, FL | $400 | $1,251 | $1,651 | $909 | $1,309 | $342 |
| Butler Beach, FL | $1,000 | $1,186 | $2,186 | $862 | $1,862 | $324 |
| Seville, FL | $400 | $1,314 | $1,714 | $955 | $1,355 | $359 |
| Crescent City, FL | $2,500 | $745 | $3,245 | $542 | $3,042 | $204 |
| Pierson-Seville, FL | $100 | $1,398 | $1,498 | $1,016 | $1,116 | $382 |
| Daytona Beach, FL | $700 | $1,153 | $1,853 | $838 | $1,538 | $315 |
| Ponce Inlet, FL | $300 | $2,537 | $2,837 | $1,844 | $2,144 | $693 |
| Fruit Cove, FL | $1,000 | $1,471 | $2,471 | $1,069 | $2,069 | $402 |
| Edgewater, FL | $400 | $919 | $1,319 | $668 | $1,068 | $251 |
| Clay County, FL | $1,500 | $1,348 | $2,848 | $980 | $2,480 | $368 |
Identify Top Home Insurance Agents near Palm Coast, FL | Back to Top
| Home Insurance Company Palm Coast, FL | Homeowners Insurance Agency Palm Coast, FL | Address | Popularity Score | Distance from Palm Coast (miles) |
|---|---|---|---|---|
| Allstate | Trey Tully | 2405 E Moody Blvd Ste 106, Bunnell, FL, 32110 | 4.6 | |
| Allstate | Ken Moscone | 213 S 2nd St Unit 9, Flagler Beach, FL, 32136 | 8.5 | |
| State Farm | Chris Frank | 9475 Philips Hwy Ste 15, Jacksonville, FL, 32256-1346 | 48.8 | |
| Travelers | Koch Insurance Agency Inc | 50 Leanni Way Ste B-1, Palm Coast, FL, 32137 | 1.2 | |
| Travelers | Koch Insurance Agency Inc | 50 Leanni Way, Suite B1 Palm Coast, Palm Coast, FL, 32137 | 1.2 | |
| Allstate | Steven Brown | 160 Cypress Pt Pkwy Ste A112, Palm Coast, FL, 32164 | 1.4 | |
| State Farm | Denny Doyle | 7807 Bymdws Rd E Ste 100, Jacksonville, FL, 32256-9665 | 46.8 | |
| Travelers | Beachside Insurance | 309 Moody Blvd Suite 102, Flagler Beach, FL, 32136 | 8.5 | |
| Travelers | Southern Insurance & Associates | 500-6 N State St, Bunnell, FL, 32110 | 5.1 | |
| State Farm | Perry Unwalla | 3791 A1a S Ste A, St Augustine, FL, 32080-9704 | 19.6 |
Compare Rates for Palm Coast, FL Home Insurance Providers | Back to Top
| 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 |
| Flagler County, FL | $188,400 | $1,502 | $1,170 | $2,010 | $840 |
| Palm Coast, FL | $181,400 | $1,461 | $1,140 | $1,960 | $820 |
| Ormond Beach, FL | $149,000 | $1,266 | $990 | $1,700 | $710 |
| Butler Beach, FL | $293,900 | $1,200 | $940 | $1,610 | $670 |
| Seville, FL | $137,500 | $1,330 | $1,040 | $1,780 | $740 |
| Crescent City, FL | $73,800 | $754 | $590 | $1,010 | $420 |
| Pierson-Seville, FL | $150,100 | $1,415 | $1,100 | $1,900 | $800 |
| Daytona Beach, FL | $126,300 | $1,167 | $910 | $1,560 | $650 |
| Ponce Inlet, FL | $332,700 | $2,568 | $2,000 | $3,440 | $1,440 |
| Fruit Cove, FL | $322,700 | $1,489 | $1,160 | $2,000 | $840 |
| Edgewater, FL | $134,300 | $931 | $730 | $1,250 | $520 |
| Clay County, FL | $165,300 | $1,364 | $1,060 | $1,830 | $770 |
Research Home Insurance Companies Reviews in Palm Coast, FL Before Buying | Back to Top
Share a review on your home insurance company
USAA Home Insurance Reviews
Date: August 11, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
The pricing and deductible is very fair and something we could easily come up with if we ever had to make a claim with them.
Date: July 09, 2019 Age: 20 to 29 Gender: Married Marital Status: Female
Customer Service
I have never had any trouble with my housing insurance company customer service. They have been wonderful about working with me, and always have a positive attitude.
Assurant Specialty Property Home Insurance Reviews
Date: October 22, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
I would say it is about a 3. It is something you always need, especially in FL but not something I have to use very often. The few times i have had an inspection or have to call for any questions theyre are always pretty helpful
Progressive Home Insurance Reviews
Date: August 21, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
I really don't know enough about my premium and deductibles compared to other companies. I need to look into it.
Allstate Home Insurance Reviews
Date: September 11, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
The Allstate Home Insurance company also want me to change any other insurance I have with them.I will tell anyone who will listen, stay as far away from Allstate Home Insurance company as you can.
Florida Farm Bureau Insurance Home Insurance Reviews
Date: June 10, 2019 Age: Above 60 Gender: Married Marital Status: Female
Premium
This company's insurance premiums are slightly less than other companies and I feel is very affordable. All the other benefits including the deductible are comparable to any other insurance company.
GEICO Home Insurance Reviews
Date: July 23, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
The premiums with geico are slightly less than USAA and significantly less than State Farm or Farmers. The premiums we have gotten quoted on were based on a $750 deductible.