How Can I Make My St. Augustine, FL Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in St. Augustine, 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.
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Estimate Appropriate St. Augustine, FL Home Insurance Coverage Levels | Back to Top
| St. Augustine, FL - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Greystone Ln, Los Robles Ave, 16th St, Busam St, N Ravello Dr, Yacht Club Dr, Colee Cove Branch Rd, Cardinal Rd, Porpoise Rd, 10th St | $248,000 | $220,000 | $200,000-$250,000 | $235,000 | $220,000 | $200,000-$250,000 |
| San Juline Cir, Franciscan Way, Lobelia Rd, Ole Rd, Shenandoah St, N Orange St, W 12th St, San Mateo Ct, Gracewood Ln, Istoria Dr | $169,000 | $140,000 | $175,000-$200,000 | $67,500 | $60,000 | $50,000-$75,000 |
| Almeria St, Windover Pl, Ponte Vedra Blvd, N End St, Queen Rd, Avista Cir, Orchis Rd, Fred Waters Way, W Castillo Dr, Locksley Ln | $195,500 | $170,000 | $200,000-$250,000 | $128,500 | $120,000 | $100,000-$125,000 |
| Tocina Pl, Oneida St, N Alatamaha St, Butler Ave, Leo St, W 6th St, Mattie St, Ocean Trace Rd, Cabbage Hammock Rd, San Ardo Dr | $160,500 | $140,000 | $175,000-$200,000 | $116,000 | $100,000 | $100,000-$125,000 |
| St Francis St, Treaty Oak Ln, Cuna St, Serenata Dr, Duero St, Moultrie Pl, Cypress Crossing Trl, Spencer St, Atlantic Vw, Viejo St | $337,500 | $290,000 | $400,000-$500,000 | $213,500 | $180,000 | $175,000-$200,000 |
| Tall Pine Ct, Garrison Dr, Cornell Rd, Prince Phillip Dr, S Hampton Club Way, W Heritage Cove Dr, Pine Cir W, Lands End Dr, S Marsh Wind Way, S Churchill Dr | $261,500 | $240,000 | $200,000-$250,000 | $119,000 | $110,000 | $125,000-$150,000 |
| E Cobblestone Ln, Palmetto Ave E, Usina St, Willow Falls Trl, N Atherley Rd, Southlake Dr, Saddle Brook Ln, Acacia St, Chamberlain Dr, Ocean Woods Dr | $272,500 | $250,000 | $250,000-$300,000 | $245,500 | $220,000 | $200,000-$250,000 |
| Mohegan Rd, Ferrol Rd, Nautilus Rd, Hopkins St, Cedar Arbor Ct, E San Carlos Ave, Enterprise Ave, Broward St, Weff Rd, Athlone Ln | $184,000 | $150,000 | $150,000-$175,000 | $156,000 | $140,000 | $150,000-$175,000 |
| Ponce Harbor Dr, Seagate Ln S, Anderson St, Flagler Blvd, Park Ave, Snail Kite Ct, Powis Rd, St Croix St, W 4th St, Industry Center Rd | $158,500 | $130,000 | $150,000-$175,000 | $120,500 | $110,000 | $100,000-$125,000 |
| Medoras Ave, Oak Ave, Wahoo Dr, Kingsley Lake Dr, St Thomas St, S Waterleaf Dr, Cathedral Pl, San Rafael St, Walden Chase Ln, Lighthouse Ave | $316,500 | $280,000 | $250,000-$300,000 | $230,000 | $190,000 | $250,000-$300,000 |
Estimate your Savings with Home Insurance Discounts in St. Augustine, FL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$246 | $1,203 |
| Superior Protection Discount | -$145 | $1,305 |
| Fire & Security Discount | -$130 | $1,319 |
| Hail Resistant Roof Discount | -$29 | $1,421 |
| Newly Constructed Home Discount | -$304 | $1,145 |
Choose the Right Deductible for your St. Augustine, FL Home | Back to Top
| 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 | $2,500 | $1,481 | $3,981 | $1,076 | $3,576 | $405 |
| St. Augustine, FL | $1,000 | $1,433 | $2,433 | $1,041 | $2,041 | $391 |
| Sawgrass, FL | $200 | $941 | $1,141 | $684 | $884 | $257 |
| Jacksonville Beach, FL | $2,000 | $936 | $2,936 | $680 | $2,680 | $256 |
| Jacksonville East, FL | $300 | $1,590 | $1,890 | $1,155 | $1,455 | $434 |
| Palatka, FL | $2,000 | $821 | $2,821 | $596 | $2,596 | $224 |
| Penney Farms, FL | $200 | $957 | $1,157 | $696 | $896 | $262 |
| Jacksonville, FL | $700 | $1,258 | $1,958 | $914 | $1,614 | $344 |
| Interlachen-Florahome, FL | $500 | $764 | $1,264 | $555 | $1,055 | $209 |
| Welaka, FL | $1,500 | $994 | $2,494 | $722 | $2,222 | $272 |
| Lawtey, FL | $300 | $902 | $1,202 | $656 | $956 | $247 |
| Callahan, FL | $700 | $1,379 | $2,079 | $1,002 | $1,702 | $377 |
Identify Top Home Insurance Agents near St. Augustine, FL | Back to Top
| Home Insurance Company St. Augustine, FL | Homeowners Insurance Agency St. Augustine, FL | Address | Popularity Score | Distance from St. Augustine (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Shapiro Insurance Group | 9313 Old Kings Rd S, Jacksonville, FL, 32257 | 19.1 | |
| Travelers | Brightway Insurance | 1515 County Rd 210 W Ste 103 Jacksonsville, St Johns, FL, 32259 | 8.1 | |
| Allstate | Luis Vienrich | 559 W Twincourt Trl Unit 605, Saint Augustine, FL, 32095 | 3.4 | |
| State Farm | Joe Mcghee | 7855 Argl Frst Blvd Ste 201, Jacksonville, FL, 32244-5598 | 27.0 | |
| Travelers | Thompsonbaker Agency Inc | 61 Cordova St, St Augustine, FL, 32085 | 8.0 | |
| Travelers | Koch Insurance Agency Inc | 50 Leanni Way, Suite B1 Palm Coast, Palm Coast, FL, 32137 | 31.1 | |
| Liberty Mutual Independent | The Della Porta Group Inc | 7807 Baymeadows Rd E Ste 301, Jacksonville, FL, 32256 | 18.4 | |
| Allstate | Jessica Mcquaig | 2730 State Road 16 Ste 113, Saint Augustine, FL, 32092 | 4.3 | |
| State Farm | Bob Gibbs | 5495 Fort Caroline Rd, Jacksonville, FL, 32277-1777 | 29.0 | |
| Allstate | David Clements | 10440 Us Highway 1 N, Saint Augustine, FL, 32095 | 7.1 |
Compare Rates for St. Augustine, FL Home Insurance Providers | Back to Top
| 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, FL | $263,000 | $1,450 | $1,130 | $1,940 | $810 |
| Sawgrass, FL | $454,100 | $952 | $740 | $1,280 | $540 |
| Jacksonville Beach, FL | $317,000 | $947 | $740 | $1,270 | $530 |
| Jacksonville East, FL | $179,300 | $1,609 | $1,260 | $2,160 | $900 |
| Palatka, FL | $87,100 | $831 | $650 | $1,110 | $460 |
| Penney Farms, FL | $170,100 | $969 | $760 | $1,300 | $540 |
| Jacksonville, FL | $150,200 | $1,274 | $990 | $1,710 | $720 |
| Interlachen-Florahome, FL | $77,000 | $773 | $600 | $1,040 | $440 |
| Welaka, FL | $89,600 | $1,006 | $780 | $1,350 | $570 |
| Lawtey, FL | $101,500 | $913 | $710 | $1,220 | $510 |
| Callahan, FL | $147,300 | $1,396 | $1,090 | $1,870 | $780 |
Research Home Insurance Companies Reviews in St. Augustine, FL Before Buying | Back to Top
Share a review on your home insurance company
Assurant Specialty Property Home Insurance Reviews
Date: September 10, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
The customer service provided by Assurant has been quite pleasant any of the times I've had to make contact. They have been knowledgeable and able to take care of any issues I've had while being friendly and helpful.
Date: September 20, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
I like that the customer service is quick to answer and is generally helpful overall. In addition, the customer service is not one of these automated systems where you can never get through to them.
Date: September 01, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Communication
There is not that I in general dislike about the interaction with my insurance company. They are relatively on point and make the process as smooth as possible as far as I can tell.
Date: August 25, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Website/App
I like that the mobile app can be easily logged into, in addition, I like that I can make payment decisions on the application that help me to expedite my interests in life.
Date: August 21, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
I'm fairly satisfied with my policy options, I think that the deductibles could be a bit lower for what I am getting, but in the agreggate I think the policy is relatively fair.
Date: August 11, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
My premium is relatively in line with other insurance companies premiums. In addition, the deductible is relatively lower than others out there that I have had to pay.
Travelers Home Insurance Reviews
Date: September 22, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
I use an insurance agent with Trustpoint insurance to handle any communication with Travelers. I like this option as I only have one contact instead of someone different every time.
Date: September 11, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
We chose Travelers because their premium was much lower than what other insurance companies in the area were offering. They offer the same level of coverage for a lower premium and offer a discount on bundled insurance.
Date: August 05, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
Personal property coverage, personal liability coverage, dwelling coverage that covers the cost of the house plus most of the contents of the house.
Date: August 04, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Communication
I haven't had much interaction with my insurance company yet as I haven't had a claim or any issues so far. Communication emails are minimal which I also like.
Date: August 03, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Website/App
The website is easy to use. I do not tend to use the website or app very much as I have an insurance agent that we complete most requests through.
People's Trust Insurance Home Insurance Reviews
Date: September 12, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
It's about the same price in this area. After some research, I decided to go with them because of their customer service.
Date: August 24, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Website/App
I like that I'm able to make payments on their website, print out my insurance coverage documents if needed and make changes to it.
Date: August 22, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Communication
I receive emails and correspondence from them. They are timely and professional.
USAA Home Insurance Reviews
Date: April 16, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
Our insurance provider is wonderful. Very simple to understand and use. Very helpful customer service representatives.
Date: January 29, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
Again, I give USAA a 5. As far as home insurance goes, USAA offers exceptional coverage at a very low monthly cost. My research over other providers has lead me to discover, that for my position and coverage plan, USAA is the best. I also chose them because of their excellent customer service.
Safeco Insurance Home Insurance Reviews
Date: November 20, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Policy Offerings
We were with one of the big 3 insurance companies and we could not get them to answer any questions about flood insurance, so we changed companies and are very happy.
Date: November 10, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Premium
It is far cheaper than other companies. I received quotes and the cheapest one was still 400 dollars more than the one I have.
Olympus Insurance Home Insurance Reviews
Date: January 13, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
They are as good if not better than all others as they offer flood and sinkhole coverage.
Date: December 02, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
in this home insurance company the policy offering is good and best to provide claim for the policy offering is good.
Progressive Home Insurance Reviews
Date: July 22, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
I have had great experience with Progressive as my home insurance company. I've been with them for over seven years and they have always interacted with me promptly and with no run-around.
Allstate Home Insurance Reviews
Date: February 11, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
I think that they offer a good service at a competitive price. Whenever I have needed something, they have been of assistance.
Centauri Insurance Home Insurance Reviews
Date: January 23, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
The deductible is 250 which is pretty nice however the premium is expensive. While it is good it is too expensive for someone who doesn't get it through work.
State Farm Home Insurance Reviews
Date: March 30, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
We have an agent that is a family friend. This person treats us more like friends and family instead of just a number policy on a sheet.
Farmer's Insurance Home Insurance Reviews
Date: June 05, 2019 Age: 50 to 59 Gender: Married Marital Status: Male
Customer Service
When I contacted customer service, the person who answered the phone was very nice. Once I was transferred over to the agent, he became very rude.