How Can I Make My St. Cloud, FL Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in St. Cloud, 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.
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Estimate Appropriate St. Cloud, FL Home Insurance Coverage Levels | Back to Top
| St. Cloud, FL - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| McMichael Rd, Kumquat Ln, Red Ash Ct, Pine Grove Rd, Las Brisas Ct, Turpin Ln, Malone Rd, Florencia Dr, Tina Ln, Garfish Dr | $157,500 | $130,000 | $150,000-$175,000 | $362,000 | $340,000 | $300,000-$350,000 |
| Sailfish Ct, Sara L St, Old Oak Trl, Marvin Gdns, Lisa Ln, Minnesota Ave, Sharpey Rd, Kentucky Ave, King Phillip Dr, Vermont Ave | $145,500 | $120,000 | $150,000-$175,000 | $148,000 | $130,000 | $125,000-$150,000 |
| Minnesota Ave, Crawford Ave, Park Commerce Ct, Rambler Ave, Michelle Ln, Latter Day Ct, McClelland Rd, Thompkins Rd, Wood Wind Pl, Kaleigh Ct | $123,000 | $100,000 | $100,000-$125,000 | $148,000 | $140,000 | $100,000-$125,000 |
| Neptune Bay Cir, Doe Run Dr, Gardenia Rd, Co Rd 530, Dragon Fly Ct, Townsend Ct, Astor Ct, Regal Oak Dr, Red Maple Dr, Cypress Tree Trl | $138,500 | $110,000 | $125,000-$150,000 | $167,500 | $160,000 | $150,000-$175,000 |
| Silver Swan Ct, Willow Ct, Candlewood Ct, Jeanette Ct, Office Plaza Blvd, Barnsley Ln, Bait Ct, Old Boggy Creek Rd, Dillman Dr, Villagio Blvd | $139,000 | $130,000 | $125,000-$150,000 | $188,500 | $170,000 | $200,000-$250,000 |
| Kato Way, Breezewood St, San Blas Ct, Orange Blossom Ct, Eastern Ave, Corena Ct, Jebidiah Ct, Green Oak Ct, Placetas Ct, Gatwick Ct | $132,500 | $110,000 | $125,000-$150,000 | $121,000 | $110,000 | $125,000-$150,000 |
| Yardley Ct, Bramble Ct, Alabama Ave, Waterfield Way, Lorimar Ln, Buckingham Way, Springhead Ct, Wimbledon St, Newton Ct, Kimberlee Ln | $178,000 | $150,000 | $200,000-$250,000 | $207,000 | $180,000 | $175,000-$200,000 |
| Merrieweather Ln, Beechwood Dr, Simmons Blvd, Lena Ann Dr, Country Pond Ct, Lake Vista Dr, Southampton Dr, Uxbridge Ln, Anne Elisa Cir, Villa Angelo Blvd | $123,000 | $120,000 | $125,000-$150,000 | $266,000 | $220,000 | $200,000-$250,000 |
| Opal Cir, Bridgets Ct, Lake Shore Dr, Cameron Dr, W Kissimmee Park Rd, Competition Dr, Cord Ave, W New Nolte Rd, Patricia St, Robin Dr | $111,500 | $110,000 | $100,000-$125,000 | $143,000 | $120,000 | $150,000-$175,000 |
| Water Valley Dr, Fanny Bass Rd, Carriage Ct, Black Oak Ln, 6th St, 7th St, G and H Dr, Ashton Park Pl, 3rd St, Lanier Rd | $161,500 | $150,000 | $150,000-$175,000 | $225,500 | $210,000 | $200,000-$250,000 |
Estimate your Savings with Home Insurance Discounts in St. Cloud, FL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$202 | $863 |
| Superior Protection Discount | -$96 | $970 |
| Fire & Security Discount | -$85 | $980 |
| Hail Resistant Roof Discount | -$32 | $1,034 |
| Newly Constructed Home Discount | -$288 | $778 |
Choose the Right Deductible for your St. Cloud, 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 |
| Osceola County | $1,500 | $1,344 | $2,844 | $976 | $2,476 | $367 |
| St. Cloud, FL | $2,000 | $1,053 | $3,053 | $765 | $2,765 | $288 |
| Davenport, FL | $1,000 | $1,359 | $2,359 | $988 | $1,988 | $372 |
| Bithlo, FL | $200 | $953 | $1,153 | $692 | $892 | $260 |
| Lake Wales, FL | $2,000 | $1,078 | $3,078 | $783 | $2,783 | $295 |
| Cocoa West, FL | $200 | $975 | $1,175 | $709 | $909 | $266 |
| Apopka, FL | $2,500 | $1,441 | $3,941 | $1,047 | $3,547 | $394 |
| Highland City, FL | $400 | $1,014 | $1,414 | $737 | $1,137 | $277 |
| Mount Plymouth, FL | $1,000 | $1,336 | $2,336 | $971 | $1,971 | $365 |
| Astatula, FL | $400 | $1,022 | $1,422 | $742 | $1,142 | $279 |
| Avon Park, FL | $700 | $892 | $1,592 | $648 | $1,348 | $244 |
Identify Top Home Insurance Agents near St. Cloud, FL | Back to Top
| Home Insurance Company St. Cloud, FL | Homeowners Insurance Agency St. Cloud, FL | Address | Popularity Score | Distance from St. Cloud (miles) |
|---|---|---|---|---|
| State Farm | Dolly Clements | 1105 Emmett St, Kissimmee, FL, 34741-5439 | 8.6 | |
| State Farm | Ron Siegel | 1615 E Vine St, Kissimmee, FL, 34744-3721 | 7.2 | |
| Travelers | Ford Insurance | 1200 N Central Ave Ste 107, Kissimmee, FL, 34741 | 8.6 | |
| Allstate | Jessica Hartline | 4325 Sun N Lake Blvd Ste 101, Sebring, FL, 33872 | 49.8 | |
| State Farm | Jim Lanier | 4525 S Florida Ave Ste 7, Lakeland, FL, 33813-2184 | 44.2 | |
| Allstate | Craig Tiede | 2342 E Ibm Hwy # B, Kissimmee, FL, 34744 | 6.2 | |
| Allstate | Sydney Harrell | 1131 E Vine St, Kissimmee, FL, 34744 | 7.9 | |
| Travelers | Florida All Star Insurance | 106 Buenaventura Blvd, Kissimmee, FL, 34743 | 6.7 | |
| State Farm | Bill Pancake | 920 N Main St, Kissimmee, FL, 34744-4566 | 8.3 | |
| Allstate | Dale Revels | 600 N Thacker Ave Ste D45, Kissimmee, FL, 34741 | 9.2 |
Compare Rates for St. Cloud, 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 |
| Osceola County, FL | $164,500 | $1,360 | $1,060 | $1,820 | $760 |
| St. Cloud, FL | $167,700 | $1,066 | $830 | $1,430 | $600 |
| Davenport, FL | $144,400 | $1,376 | $1,070 | $1,840 | $770 |
| Bithlo, FL | $191,700 | $964 | $750 | $1,290 | $540 |
| Lake Wales, FL | $114,200 | $1,091 | $850 | $1,460 | $610 |
| Cocoa West, FL | $86,900 | $987 | $770 | $1,320 | $550 |
| Apopka, FL | $181,100 | $1,459 | $1,140 | $1,950 | $810 |
| Highland City, FL | $154,500 | $1,027 | $800 | $1,380 | $580 |
| Mount Plymouth, FL | $140,700 | $1,352 | $1,050 | $1,810 | $760 |
| Astatula, FL | $93,800 | $1,034 | $810 | $1,390 | $580 |
| Avon Park, FL | $79,900 | $902 | $700 | $1,210 | $510 |
Research Home Insurance Companies Reviews in St. Cloud, FL Before Buying | Back to Top
Share a review on your home insurance company
USAA Home Insurance Reviews
Date: January 30, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Policy Offerings
USAA home insurance is the most comprehensive in the industry. They cover costs of replacing large items like a roof that most other insurance companies do not cover.
Date: September 21, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Website/App
The app and website I use are very easy to use and navigate. I have never had trouble with either of them in my years of experience with them
Date: September 05, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Communication
I like my interaction with them. They are always professional and cordial and fully explain anything I may not understand or have any questions about
Date: September 05, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
My premium is about on the same level as what other companies had offered me. Maybe slightly lower since it is packaged with my auto insurance policy.
Date: August 08, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Policy Offerings
Pretty much everything is covered in my policy. All of my belongings as well as the dwelling structure itself
Date: July 30, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Customer Service
The customer service reps I have dealt with have all been very helpful and professional. I have no complaints about any of them whatsoever
State Farm Home Insurance Reviews
Date: October 27, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Website/App
I like the mobile app and website because I can report claims fast, attach pictures if necessary and get paid through app
Date: October 01, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
even though their premiums are a little higher I honestly don't mind paying more because of the experience I receive. There customer service and is better than any other insurance company.
Date: October 01, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
there's no doubt about it. I would definitely recommend state farm to anyone and everyone who needs insurance. their friendly staff and knowledgeable agents make everything easy and smooth. they offer the best coverage and are willing to go above and beyond for their customers.
Date: August 27, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Communication
customer service is great they do not beat around the bush. they are very straightforward and clear about how things work and what they are able to do for you. I wish state farm had their hands in more than just insurance. if they did I would definitely work with them for anything else.
Date: August 20, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Website/App
honestly, they are very professional and friendly. Their mobile app is one of the easiest to use. Its never been simpler to me everyone else is very complicated and not very user-friendly.
Date: July 25, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
any kind of property damage (water, fire, earthquake). medical expenses and stolen property including gold/silver and electronics. Living expenses are also covered just in case a hotel is needed
Assurant Specialty Property Home Insurance Reviews
Date: October 04, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
The premium is very low compared to other sites. My insurance gave me coverage over a year as opposed to 6 months and had various payment plans.
Date: September 25, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
I have never dealt with the customer service. thank God. Hopefully i never have to. If the customer service is anything like everything else about this issuance then i know i will love it!
Date: August 05, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Website/App
I like how simple the website is. There is no confusion or overly complicated workflow. You log on, pay your bill, view you policy, view billing or create a claim. Thats all you need to do on a HOI website.
Date: May 09, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Policy Offerings
My HOI covers damages from natural disasters, theft and fires. There is no deductible and everything will be replaced up to 500,000 of property.
American Integrity Insurance Home Insurance Reviews
Date: January 30, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
On the positive side, the system that you install according to your capacity and training accepts that you give service from home to the client on financial services, as a specialist in video games and receive calls for healthcare. It is not about telemarketing but about customer service. Yes, the company insists that workers hire daycare services or a housekeeper to do the work behind the closed office door of your home to avoid distractions from noise.
Date: November 27, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
Very good premiums and average deductible. My agent worked with me to tell me how to lower premiums and by spending a couple hundred dollars upon moving in, I am able to save $900 per year thanks to his suggestions.
Allstate Home Insurance Reviews
Date: February 12, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
I have to rate a 2 right now. The service has gone drastically downhill over the past few years.
Centauri Insurance Home Insurance Reviews
Date: January 14, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I give my insurance company a rating of four. They have handled my home insurance and provide great customer service. I can call and get someone to help me with any concerns I have.