Gavop's guide to buying homeowners insurance in Sarasota 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 | $59,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $162,500 | $140,000 | $125,000-$150,000 |
| 3 Bedroom | $129,000 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $315,000 | $300,000 | $350,000-$400,000 |
| 5 Bedroom | $301,000 | $250,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$224 | $1,021 |
| Superior Protection Discount | -$112 | $1,133 |
| Fire & Security Discount | -$137 | $1,108 |
| Hail Resistant Roof Discount | -$37 | $1,208 |
| Newly Constructed Home Discount | -$274 | $971 |
| 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 |
| Sarasota County | $1,000 | $1,230 | $2,230 | $894 | $1,894 | $336 |
| Sarasota County, FL | $1,000 | $1,230 | $2,230 | $894 | $1,894 | $336 |
| Venice, FL | $400 | $1,505 | $1,905 | $1,094 | $1,494 | $411 |
| Gulf Gate Estates-Osprey, FL | $1,000 | $1,571 | $2,571 | $1,142 | $2,142 | $429 |
| Kensington Park, FL | $400 | $1,369 | $1,769 | $995 | $1,395 | $374 |
| Myakka City, FL | $2,500 | $924 | $3,424 | $672 | $3,172 | $253 |
| Anna Maria, FL | $200 | $876 | $1,076 | $637 | $837 | $239 |
| Hardee County, FL | $2,500 | $787 | $3,287 | $572 | $3,072 | $215 |
| Palmona Park, FL | $400 | $655 | $1,055 | $476 | $876 | $179 |
| St. James City, FL | $1,000 | $1,658 | $2,658 | $1,205 | $2,205 | $453 |
| St. Pete Beach, FL | $200 | $932 | $1,132 | $677 | $877 | $255 |
| Progress Village, FL | $700 | $931 | $1,631 | $676 | $1,376 | $254 |
| Home Insurance Company Sarasota County, FL | Homeowners Insurance Agency Sarasota County, FL | Address | Popularity Score | Distance from Sarasota County (miles) |
|---|---|---|---|---|
| Allstate | Shawn Johnson | 426 S Tamiami Trl, Osprey, FL, 34229 | 7.5 | |
| Allstate | Dennis Fuller | 822 Pinebrook Rd, Venice, FL, 34285 | 6.6 | |
| Travelers | Great Florida | 4109 Tamiami Trl S, Venice, FL, 34293 | 9.4 | |
| Travelers | Cape Insurance Agency Inc | 3624 Del Prado Blvd S Ste B, Cape Coral, FL, 33904 | 48.9 | |
| Travelers | Great Florida Insurance - Venice | 539 Us Highway 41 Byp N, Venice, FL, 34285 | 7.0 | |
| Travelers | Wells Insurance Agency | 5160 Station Way, Sarasota, FL, 34233 | 8.7 | |
| Travelers | Bolt | 9023 Town Center Pkwy, Lakewood Ranch, FL, 34202 | 15.2 | |
| Liberty Mutual Independent | Locastro Ins Services Inc | 100 W Venice Ave Ste K, Venice, FL, 34285 | 7.6 | |
| Travelers | Shaefer Insurance Agency | 530 Us 41 By Pass S 8a, Venice, FL, 34285 | 7.6 | |
| Allstate | Robert Franke | 6455 Gateway Ave, Sarasota, FL, 34231 | 10.7 |
| 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 |
| Sarasota County, FL | $215,300 | $1,245 | $970 | $1,670 | $700 |
| Sarasota County, FL | $215,300 | $1,245 | $970 | $1,670 | $700 |
| Venice, FL | $192,000 | $1,524 | $1,190 | $2,040 | $850 |
| Gulf Gate Estates-Osprey, FL | $283,000 | $1,590 | $1,240 | $2,130 | $890 |
| Kensington Park, FL | $145,800 | $1,386 | $1,080 | $1,860 | $780 |
| Myakka City, FL | $353,800 | $936 | $730 | $1,250 | $520 |
| Anna Maria, FL | $703,500 | $887 | $690 | $1,190 | $500 |
| Hardee County, FL | $81,200 | $796 | $620 | $1,070 | $450 |
| Palmona Park, FL | $39,400 | $663 | $520 | $890 | $370 |
| St. James City, FL | $189,700 | $1,678 | $1,310 | $2,250 | $940 |
| St. Pete Beach, FL | $369,100 | $943 | $740 | $1,260 | $520 |
| Progress Village, FL | $136,800 | $942 | $730 | $1,260 | $530 |