Gavop's guide to buying homeowners insurance in Callaway, 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 | $42,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $100,000 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $124,000 | $100,000 | $125,000-$150,000 |
| 4 Bedroom | $168,500 | $140,000 | $200,000-$250,000 |
| 5 Bedroom | $161,500 | $140,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$148 | $838 |
| Superior Protection Discount | -$89 | $897 |
| Fire & Security Discount | -$99 | $887 |
| Hail Resistant Roof Discount | -$20 | $966 |
| Newly Constructed Home Discount | -$246 | $739 |
| 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 |
| Bay County | $700 | $1,355 | $2,055 | $985 | $1,685 | $370 |
| Callaway, FL | $700 | $974 | $1,674 | $708 | $1,408 | $266 |
| Bay County, FL | $500 | $1,355 | $1,855 | $985 | $1,485 | $370 |
| West Calhoun, FL | $700 | $848 | $1,548 | $616 | $1,316 | $232 |
| Ebro, FL | $400 | $1,084 | $1,484 | $788 | $1,188 | $296 |
| Washington County, FL | $2,000 | $909 | $2,909 | $660 | $2,660 | $248 |
| Wausau, FL | $300 | $932 | $1,232 | $677 | $977 | $255 |
| Alford, FL | $2,500 | $1,098 | $3,598 | $798 | $3,298 | $300 |
| Altha, FL | $500 | $960 | $1,460 | $698 | $1,198 | $262 |
| Chipley, FL | $700 | $808 | $1,508 | $587 | $1,287 | $221 |
| Redbay, FL | $500 | $913 | $1,413 | $663 | $1,163 | $249 |
| Home Insurance Company Callaway, FL | Homeowners Insurance Agency Callaway, FL | Address | Popularity Score | Distance from Callaway (miles) |
|---|---|---|---|---|
| Allstate | Pamela Johnson | 2555 Huntcliff Ln, Panama City, FL, 32405 | 7.9 | |
| Travelers | Sims Insurance Agency | 410 N Waukesha St, Bonifay, FL, 32425 | 46.8 | |
| Allstate | Nancy S Ramsey | 1501 Mulberry Ave Ste 2, Panama City, FL, 32405 | 7.3 | |
| Travelers | Sims Insurance Agency | 410 N Waukesha St, Bonifay, FL, 32425 | 46.7 | |
| Travelers | Hollomon Insurance Agency | 111 W 23rd St, Panama City, FL, 32405 | 7.6 | |
| State Farm | Linda Pforte | 2919 Penn Ave Ste B, Marianna, FL, 32448-2716 | 48.5 | |
| Allstate | Harry Denton Grizzle Ii | 2104 W 23rd St, Panama City, FL, 32405 | 9.2 | |
| State Farm | Michael Lovchuk | 3477 Highway 77 Unit A, Panama City, FL, 32405-4297 | 8.0 | |
| State Farm | Gail Sarvis | 8804 Fr Bch Rd, P C Beach, FL, 32407-4232 | 14.1 | |
| State Farm | Lori Pons | 429 S Tyndall Pkwy Ste A, Panama City, FL, 32404-6746 | 2.2 |
| 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 |
| Bay County, FL | $166,400 | $1,372 | $1,070 | $1,840 | $770 |
| Callaway, FL | $145,800 | $985 | $770 | $1,320 | $550 |
| Bay County, FL | $166,400 | $1,372 | $1,070 | $1,840 | $770 |
| West Calhoun, FL | $68,000 | $858 | $670 | $1,150 | $480 |
| Ebro, FL | $103,100 | $1,097 | $860 | $1,470 | $610 |
| Washington County, FL | $102,700 | $920 | $720 | $1,230 | $510 |
| Wausau, FL | $80,400 | $943 | $740 | $1,260 | $520 |
| Alford, FL | $105,100 | $1,111 | $870 | $1,490 | $620 |
| Altha, FL | $84,600 | $972 | $760 | $1,300 | $540 |
| Chipley, FL | $110,800 | $818 | $640 | $1,100 | $460 |
| Redbay, FL | $77,600 | $924 | $720 | $1,240 | $520 |