Gavop shows you how to buy homeowners insurance in Union County, FL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $33,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $95,000 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $129,000 | $110,000 | $125,000-$150,000 |
| 4 Bedroom | $199,000 | $190,000 | $150,000-$175,000 |
| 5 Bedroom | $177,000 | $150,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$143 | $699 |
| Superior Protection Discount | -$76 | $766 |
| Fire & Security Discount | -$67 | $774 |
| Hail Resistant Roof Discount | -$17 | $825 |
| Newly Constructed Home Discount | -$210 | $631 |
| 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 |
| Union County | $700 | $832 | $1,532 | $604 | $1,304 | $227 |
| Union County, FL | $700 | $832 | $1,532 | $604 | $1,304 | $227 |
| Raiford, FL | $100 | $986 | $1,086 | $717 | $817 | $269 |
| Brooker, FL | $1,500 | $890 | $2,390 | $647 | $2,147 | $243 |
| Columbia County, FL | $200 | $1,067 | $1,267 | $775 | $975 | $292 |
| Waldo, FL | $700 | $865 | $1,565 | $628 | $1,328 | $236 |
| Keystone Heights, FL | $400 | $841 | $1,241 | $611 | $1,011 | $230 |
| Penney Farms, FL | $700 | $957 | $1,657 | $696 | $1,396 | $262 |
| Archer, FL | $200 | $1,351 | $1,551 | $982 | $1,182 | $369 |
| Jacksonville West, FL | $2,000 | $1,088 | $3,088 | $791 | $2,791 | $297 |
| Jacksonville, FL | $300 | $1,258 | $1,558 | $914 | $1,214 | $344 |
| Manatee Road, FL | $700 | $839 | $1,539 | $610 | $1,310 | $229 |
| Home Insurance Company Union County, FL | Homeowners Insurance Agency Union County, FL | Address | Popularity Score | Distance from Union County (miles) |
|---|---|---|---|---|
| Liberty Mutual | Melanie Markham | 11112 San Jose Boulevard Suite 32, Jacksonville, FL, 32223 | 45.0 | |
| State Farm | Chris Bedford | 3943 Baymeadows Road, Jacksonville, FL, 32217-4636 | 46.4 | |
| Travelers | Brightway Insurance | 5000 Us Hwy 17 Ste 19 , Fleming Island, FL, 32003 | 39.8 | |
| State Farm | Beth Arnold | 8130 Bymdws Cir W Ste 106, Jacksonville, FL, 32256-1812 | 50.0 | |
| Travelers | Hardin Insurance Inc | 3305 Atlantic Blvd Ste A, Jacksonville, FL, 32207 | 47.3 | |
| State Farm | Cam Anderson | 4555 San Juan Ave, Jacksonville, FL, 32210-2050 | 41.6 | |
| State Farm | Barbara Coleman | 1169 Kingsley Ave, Orange Park, FL, 32073-4621 | 39.5 | |
| State Farm | Theo Mitchelson | 1822 Univ Blvd S, Jacksonville, FL, 32216-8931 | 49.2 | |
| Liberty Mutual Independent | Harden & Associates Inc | 501 Riverside Ave Ste 1000, Jacksonville, FL, 32202 | 45.3 | |
| Travelers | Florida Bonds & Insurance Agency Inc | 1547 Edgewood Ave West, Jacksonville, FL, 32208 | 47.0 |
| 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 |
| Union County, FL | $89,000 | $842 | $660 | $1,130 | $470 |
| Union County, FL | $89,000 | $842 | $660 | $1,130 | $470 |
| Raiford, FL | $88,500 | $998 | $780 | $1,340 | $560 |
| Brooker, FL | $74,200 | $901 | $700 | $1,210 | $510 |
| Columbia County, FL | $112,500 | $1,080 | $840 | $1,450 | $610 |
| Waldo, FL | $122,800 | $875 | $680 | $1,170 | $490 |
| Keystone Heights, FL | $117,800 | $851 | $660 | $1,140 | $480 |
| Penney Farms, FL | $170,100 | $969 | $760 | $1,300 | $540 |
| Archer, FL | $143,000 | $1,367 | $1,070 | $1,830 | $760 |
| Jacksonville West, FL | $103,700 | $1,101 | $860 | $1,480 | $620 |
| Jacksonville, FL | $150,200 | $1,274 | $990 | $1,710 | $720 |
| Manatee Road, FL | $66,700 | $849 | $660 | $1,140 | $480 |