Gavop shows you how to buy homeowners insurance in Upper Keys, FL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Upper Keys, FL - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Cardinal Ln, Mutiny Pl, Seaside Ave, Johnny Rd, Knoll Ln, Ocean View Dr, Gatehouse Rd, 2nd Ln, George St, Hilson Ct | $742,500 | $600,000 | $700,000-$800,000 | $676,000 | $630,000 | $600,000-$700,000 |
| Coral Dr, Ocean Way, Pen Key Club Rd, Exuma Rd, Schooner Bay Dr, Pearl Ave, Leeward Ave, Spadefish Ln, Tiki Ln, Lance Ln | $389,500 | $320,000 | $400,000-$500,000 | $416,500 | $390,000 | $400,000-$500,000 |
| Oldsmar Ln, N Carroll, Poinciana Dr, Sunset Rd, Osprey Ln, West-Plaza del Sol, Colson Dr, Prisonwood Dr, Sunset Ct, Buttonwood Ln | $241,500 | $210,000 | $250,000-$300,000 | $241,500 | $230,000 | $200,000-$250,000 |
| Jerome Ave, W Snapper Pt Dr, Elva Rd, Estall St, Marlin Ln, Bahama Ave, Mariners Ave, Jones Rd, Janet Pl, Aregood Ln | $521,500 | $450,000 | $400,000-$500,000 | $533,500 | $460,000 | $400,000-$500,000 |
| Tamarind Rd, Palma Rd, Grand St, Mangrove Ave, Bonefish Ave, Palm Beach Dr, S Topaz Ave, Coconut Ln, Orange Dr, Sabal Ave | $208,500 | $180,000 | $175,000-$200,000 | $174,500 | $160,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$151 | $791 |
| Superior Protection Discount | -$94 | $848 |
| Fire & Security Discount | -$75 | $867 |
| Hail Resistant Roof Discount | -$28 | $914 |
| Newly Constructed Home Discount | -$226 | $716 |
| 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 |
| Monroe County | $1,000 | $1,466 | $2,466 | $1,065 | $2,065 | $401 |
| Upper Keys, FL | $1,000 | $931 | $1,931 | $676 | $1,676 | $254 |
| Leisure City, FL | $100 | $853 | $953 | $620 | $720 | $233 |
| Naranja, FL | $1,000 | $977 | $1,977 | $710 | $1,710 | $267 |
| Cutler Bay, FL | $100 | $1,314 | $1,414 | $955 | $1,055 | $359 |
| West Perrine, FL | $2,500 | $1,470 | $3,970 | $1,068 | $3,568 | $402 |
| Palmetto Estates, FL | $200 | $1,654 | $1,854 | $1,202 | $1,402 | $452 |
| Country Walk, FL | $1,000 | $2,208 | $3,208 | $1,605 | $2,605 | $603 |
| Palmetto Bay, FL | $100 | $922 | $1,022 | $670 | $770 | $252 |
| Pinecrest, FL | $2,500 | $933 | $3,433 | $678 | $3,178 | $255 |
| Westchester, FL | $500 | $1,544 | $2,044 | $1,122 | $1,622 | $422 |
| Tamiami, FL | $1,500 | $1,119 | $2,619 | $814 | $2,314 | $306 |
| Home Insurance Company Upper Keys, FL | Homeowners Insurance Agency Upper Keys, FL | Address | Popularity Score | Distance from Upper Keys (miles) |
|---|---|---|---|---|
| Allstate | Luis Necuze | 8290 Bird Rd Ste 106, Miami, FL, 33155 | 45.5 | |
| State Farm | Bernie Carr | 12600 Sw 120th St Ste 108, Miami, FL, 33186-9115 | 39.7 | |
| Liberty Mutual Independent | Gil Garden Avetrani Insurance Group | 10689 N Kendall Dr Ste 208, Miami, FL, 33176 | 42.0 | |
| Allstate | Arnoldo J Arguello | 11240 N Kendall Dr Ste 203, Miami, FL, 33176 | 41.9 | |
| Travelers | Florida Bankers Insurance | 961 Sw 122 Ave, Miami, FL, 33184 | 46.8 | |
| Allstate | Roxana Soto | 8230 Coral Way, Miami, FL, 33155 | 46.5 | |
| State Farm | Matthew Wessel | 14653 Sw 42nd St, Miami, FL, 33175-7825 | 44.5 | |
| State Farm | Gus Cisneros | 1700 Pnc D Leon Blvd, Coral Gables, FL, 33134-4417 | 48.0 | |
| Travelers | Avante Insurance Agency Inc | 7490 W Flagler St, Miami, FL, 33144 | 48.1 | |
| GEICO | Mario Sueiras | 8514 Southwest 8th Street, Miami, FL, 33144 | 47.4 |
| 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 |
| Monroe County, FL | $429,000 | $1,484 | $1,160 | $1,990 | $830 |
| Upper Keys, FL | $457,100 | $942 | $730 | $1,260 | $530 |
| Leisure City, FL | $120,300 | $863 | $670 | $1,160 | $490 |
| Naranja, FL | $146,600 | $989 | $770 | $1,330 | $560 |
| Cutler Bay, FL | $235,000 | $1,330 | $1,040 | $1,780 | $740 |
| West Perrine, FL | $161,100 | $1,488 | $1,160 | $1,990 | $830 |
| Palmetto Estates, FL | $189,200 | $1,674 | $1,310 | $2,240 | $930 |
| Country Walk, FL | $277,000 | $2,235 | $1,740 | $2,990 | $1,250 |
| Palmetto Bay, FL | $489,600 | $933 | $730 | $1,250 | $520 |
| Pinecrest, FL | $887,700 | $945 | $740 | $1,270 | $530 |
| Westchester, FL | $276,600 | $1,562 | $1,220 | $2,090 | $870 |
| Tamiami, FL | $251,900 | $1,133 | $880 | $1,520 | $640 |