Gavop's guide to buying homeowners insurance in Okaloosa County, 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 | $71,000 | $70,000 | $50,000-$75,000 |
| 2 Bedroom | $132,000 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $283,000 | $240,000 | $250,000-$300,000 |
| 4 Bedroom | $423,000 | $350,000 | $400,000-$500,000 |
| 5 Bedroom | $225,000 | $200,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$211 | $1,196 |
| Superior Protection Discount | -$141 | $1,266 |
| Fire & Security Discount | -$141 | $1,266 |
| Hail Resistant Roof Discount | -$42 | $1,365 |
| Newly Constructed Home Discount | -$366 | $1,041 |
| 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 |
| Okaloosa County | $1,500 | $1,390 | $2,890 | $1,010 | $2,510 | $380 |
| Okaloosa County, FL | $1,500 | $1,390 | $2,890 | $1,010 | $2,510 | $380 |
| Niceville-Valparaiso, FL | $400 | $1,483 | $1,883 | $1,078 | $1,478 | $405 |
| Springhill, FL | $1,000 | $1,496 | $2,496 | $1,087 | $2,087 | $409 |
| Holley, FL | $500 | $1,426 | $1,926 | $1,036 | $1,536 | $390 |
| Paxton, FL | $100 | $1,046 | $1,146 | $760 | $860 | $286 |
| Florala, AL | $1,000 | $817 | $1,817 | $594 | $1,594 | $223 |
| Ensley, FL | $100 | $784 | $884 | $570 | $670 | $214 |
| Escambia County, FL | $700 | $1,155 | $1,855 | $839 | $1,539 | $316 |
| Ebro, FL | $100 | $1,084 | $1,184 | $788 | $888 | $296 |
| River Falls, AL | $700 | $666 | $1,366 | $484 | $1,184 | $182 |
| Home Insurance Company Okaloosa County, FL | Homeowners Insurance Agency Okaloosa County, FL | Address | Popularity Score | Distance from Okaloosa County (miles) |
|---|---|---|---|---|
| Allstate | Legacy Insurance | 301 N Ferdon Blvd, Crestview, FL, 32536 | 6.7 | |
| Travelers | Priority-One Insurance | 98 Beal Pkwy Nw, Fort Walton Beach, FL, 32548 | 16.8 | |
| Travelers | Powell Agency Inc | 110 N Partin Dr, Niceville, FL, 32578 | 12.1 | |
| Travelers | Niceville Insurance Agency | 109 Bullock Blvd, Niceville, FL, 32578 | 12.8 | |
| Allstate | Michael Cheney | 7 Racetrack Rd Ne, Fort Walton Beach, FL, 32547 | 15.0 | |
| State Farm | Ann Teel Hatcher | 497 N Ferdon Blvd, Crestview, FL, 32536-2729 | 6.9 | |
| Travelers | Fisher Brown Bottrell Insurance Inc | 99 Eglin Pkwy #37, Ft Walton Beach, FL, 32548 | 17.2 | |
| Travelers | The Insurance Center Of Northwest | 315 E Hollywood Blvd Ste 4-A, Mary Esther, FL, 32569 | 17.8 | |
| Travelers | Emerald Coast Insurance Agency | 103 Nw Hollywood Blvd Ste C, Ft Walton Beach, FL, 32548 | 17.5 | |
| Travelers | Steve Baxter Insurance Inc | 327 Racetrack Road Ne Ste A, Fort Walton Beach, FL, 32547 | 15.3 |
| 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 |
| Okaloosa County, FL | $198,700 | $1,407 | $1,100 | $1,890 | $790 |
| Okaloosa County, FL | $198,700 | $1,407 | $1,100 | $1,890 | $790 |
| Niceville-Valparaiso, FL | $262,300 | $1,501 | $1,170 | $2,010 | $840 |
| Springhill, FL | $165,000 | $1,514 | $1,180 | $2,030 | $850 |
| Holley, FL | $154,300 | $1,443 | $1,130 | $1,930 | $800 |
| Paxton, FL | $97,500 | $1,059 | $830 | $1,420 | $590 |
| Florala, AL | $75,600 | $827 | $570 | $1,170 | $600 |
| Ensley, FL | $105,800 | $793 | $620 | $1,060 | $440 |
| Escambia County, FL | $126,700 | $1,169 | $910 | $1,570 | $660 |
| Ebro, FL | $103,100 | $1,097 | $860 | $1,470 | $610 |
| River Falls, AL | $55,400 | $674 | $490 | $960 | $470 |