Gavop's guide to buying homeowners insurance in St. Augustine Beach, 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 | $87,000 | $80,000 | $50,000-$75,000 |
| 2 Bedroom | $269,500 | $220,000 | $200,000-$250,000 |
| 3 Bedroom | $245,000 | $210,000 | $250,000-$300,000 |
| 4 Bedroom | $499,000 | $460,000 | $500,000-$600,000 |
| 5 Bedroom | $257,500 | $240,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$132 | $808 |
| Superior Protection Discount | -$94 | $846 |
| Fire & Security Discount | -$66 | $874 |
| Hail Resistant Roof Discount | -$19 | $921 |
| Newly Constructed Home Discount | -$226 | $714 |
| 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 |
| St. Johns County | $1,500 | $1,481 | $2,981 | $1,076 | $2,576 | $405 |
| St. Augustine Beach, FL | $1,000 | $929 | $1,929 | $675 | $1,675 | $254 |
| Villano Beach, FL | $100 | $2,387 | $2,487 | $1,735 | $1,835 | $652 |
| Palm Coast, FL | $2,500 | $1,443 | $3,943 | $1,049 | $3,549 | $394 |
| Pomona Park, FL | $400 | $832 | $1,232 | $605 | $1,005 | $227 |
| Neptune Beach, FL | $700 | $926 | $1,626 | $673 | $1,373 | $253 |
| Jacksonville Beaches, FL | $100 | $1,684 | $1,784 | $1,224 | $1,324 | $460 |
| Bellair-Meadowbrook Terrace, FL | $2,000 | $1,127 | $3,127 | $819 | $2,819 | $308 |
| Clay County, FL | $200 | $1,348 | $1,548 | $980 | $1,180 | $368 |
| Interlachen-Florahome, FL | $2,000 | $764 | $2,764 | $555 | $2,555 | $209 |
| Duval County, FL | $400 | $1,294 | $1,694 | $940 | $1,340 | $354 |
| Pierson, FL | $1,000 | $1,203 | $2,203 | $875 | $1,875 | $329 |
| Home Insurance Company St. Augustine Beach, FL | Homeowners Insurance Agency St. Augustine Beach, FL | Address | Popularity Score | Distance from St. Augustine Beach (miles) |
|---|---|---|---|---|
| Travelers | Thompsonbaker Agency Inc | 61 Cordova St, St Augustine, FL, 32085 | 4.5 | |
| State Farm | Jim Love | 2730 College Street, Jacksonville, FL, 32205-7412 | 41.4 | |
| Travelers | Ancient City Insurance | 2800 N Fifth St Ste 301, St Augustine, FL, 32084 | 7.1 | |
| Allstate | Rodney Hames | 4420 Us 1 S Ste 1, Saint Augustine, FL, 32086 | 3.8 | |
| Allstate | Jade Albrecht | 1790-1 State Rd 13, Jacksonville, FL, 32259 | 27.6 | |
| State Farm | Yuleen Broome | 3120 Atlantic Blvd, Jacksonville, FL, 32207-8814 | 38.6 | |
| Travelers | Tim Huber Insurance | 28 Clark St, St Augustine, FL, 32084 | 4.5 | |
| Allstate | Flagler Cnty Plm Cst | 12 Office Park Dr, Palm Coast, FL, 32137 | 19.9 | |
| Travelers | Herbie Wiles Ins Inc | 400 N Ponce De Leon Blvd, St Augustine, FL, 32084 | 4.8 | |
| Allstate | Reiter In Agcy Inc | 926 N Summit St, Crescent City, FL, 32112 | 31.0 |
| 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 |
| St. Johns County, FL | $274,600 | $1,499 | $1,170 | $2,010 | $840 |
| St. Augustine Beach, FL | $371,700 | $940 | $730 | $1,260 | $530 |
| Villano Beach, FL | $306,800 | $2,416 | $1,880 | $3,240 | $1,360 |
| Palm Coast, FL | $181,400 | $1,461 | $1,140 | $1,960 | $820 |
| Pomona Park, FL | $65,600 | $842 | $660 | $1,130 | $470 |
| Neptune Beach, FL | $349,800 | $937 | $730 | $1,260 | $530 |
| Jacksonville Beaches, FL | $310,100 | $1,705 | $1,330 | $2,280 | $950 |
| Bellair-Meadowbrook Terrace, FL | $109,500 | $1,141 | $890 | $1,530 | $640 |
| Clay County, FL | $165,300 | $1,364 | $1,060 | $1,830 | $770 |
| Interlachen-Florahome, FL | $77,000 | $773 | $600 | $1,040 | $440 |
| Duval County, FL | $156,200 | $1,310 | $1,020 | $1,750 | $730 |
| Pierson, FL | $120,900 | $1,218 | $950 | $1,630 | $680 |