How Can I Make My Sarasota, FL Home Insurance Cheaper

Gavop tells you how to get the best homeowners insurance in Sarasota, FL by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.

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Select the Suitable Coverage Value for your Sarasota, FL Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $60,500 $50,000 $25,000-$50,000
2 Bedroom $127,500 $110,000 $125,000-$150,000
3 Bedroom $222,000 $190,000 $200,000-$250,000
4 Bedroom $207,000 $180,000 $200,000-$250,000
5 Bedroom $471,000 $430,000 $400,000-$500,000

Estimate your Savings with Home Insurance Discounts in Sarasota, FL | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$247 $1,054
Superior Protection Discount -$117 $1,184
Fire & Security Discount -$130 $1,171
Hail Resistant Roof Discount -$39 $1,262
Newly Constructed Home Discount -$338 $963

Choose the Right Deductible for your Sarasota, 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
Sarasota County $1,000 $1,230 $2,230 $894 $1,894 $336
Sarasota, FL $2,500 $1,285 $3,785 $934 $3,434 $351
Gulf Gate Estates, FL $400 $1,051 $1,451 $764 $1,164 $287
Gulf Gate Estates-Osprey, FL $700 $1,571 $2,271 $1,142 $1,842 $429
Interior County, FL $500 $931 $1,431 $676 $1,176 $254
South Pasadena, FL $1,500 $1,487 $2,987 $1,081 $2,581 $406
Harbour Heights, FL $300 $1,567 $1,867 $1,139 $1,439 $428
Solana, FL $700 $933 $1,633 $678 $1,378 $255
Bay Pines, FL $400 $1,548 $1,948 $1,125 $1,525 $423
Hillsborough County, FL $2,000 $1,432 $3,432 $1,040 $3,040 $391
Feather Sound, FL $200 $2,350 $2,550 $1,708 $1,908 $642
Valrico, FL $2,000 $1,212 $3,212 $881 $2,881 $331

Identify Top Home Insurance Agents near Sarasota, FL | Back to Top

Home Insurance Company Sarasota, FL Homeowners Insurance Agency Sarasota, FL Address Popularity Score Distance from Sarasota (miles)
Travelers Horizon Insurance Inc 7347 52nd Pl E, Bradenton, FL, 34203
8.9
Travelers Trump Insurance Inc 13139 66th St N, Largo, FL, 33773
43.2
State Farm Tom Miller 616 W Brandon Blvd, Brandon, FL, 33511-5006
43.9
State Farm Heath Marston 8784 E State Road 70 Ste 101, Bradenton, FL, 34202-3704
8.4
Liberty Mutual Independent Ben Brown Insurance Agency Inc 3731 S Tuttle Ave, Sarasota, FL, 34239
4.1
Travelers Wells Insurance Agency 5160 Station Way, Sarasota, FL, 34233
2.6
Allstate Peggy George 5229 Office Park Blvd, Bradenton, FL, 34203
9.9
Liberty Mutual Independent Strategic Insurance Underwriters 5560 Broadcast Ct, Sarasota, FL, 34240
4.7
State Farm George Quarterman 2970 University Parkway, Suite 200, Sarasota, FL, 34243-2401
6.3
Travelers Brown & Brown Of Fl Inc-Sarasota 240 S Pineapple Ave Ste 301, Sarasota, FL, 34236
5.7

Compare Rates for Sarasota, FL Home Insurance Providers | Back to Top

Compare Quotes from Top Providers and Save now!

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, FL $228,100 $1,301 $1,010 $1,740 $730
Gulf Gate Estates, FL $167,300 $1,063 $830 $1,430 $600
Gulf Gate Estates-Osprey, FL $283,000 $1,590 $1,240 $2,130 $890
Interior County, FL $317,400 $942 $730 $1,260 $530
South Pasadena, FL $163,600 $1,505 $1,170 $2,020 $850
Harbour Heights, FL $175,800 $1,586 $1,240 $2,130 $890
Solana, FL $80,500 $944 $740 $1,260 $520
Bay Pines, FL $172,900 $1,567 $1,220 $2,100 $880
Hillsborough County, FL $179,500 $1,449 $1,130 $1,940 $810
Feather Sound, FL $300,700 $2,379 $1,860 $3,190 $1,330
Valrico, FL $211,200 $1,227 $960 $1,640 $680

Research Home Insurance Companies Reviews in Sarasota, FL Before Buying | Back to Top

Share a review on your home insurance company


USAA Home Insurance Reviews

Date: October 27, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
Cost used to be the main reason to go with this provider they used to be the best rates around nobody could touch them now they are slowly moving up to market rate.

Date: April 16, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
USAA has always been there for us and we have a variety of banking services with them. They allow me to add other accounts to their main page which is nice and helps me.

Date: October 05, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Website/App
The app is easy to use. I can easily access my account at any time.

Date: September 22, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
The premium is extremely competitive. I have always found their rates to be one of the lowest in the country. The level of service and coverage compared to the premium is excellent. I believe I am getting my money's worth with the premium.

Date: September 15, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
The structure itself is covered by fire and natural disaster. Flooding in the home is also covered. Personal belongings are covered by fire or theft.


Date: July 29, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Communication
My insurance company always sends me reminders of important events or documents that have been updated. The company always reminds me of changes and provides me with the best quality coverage. I feel safe that my home is protected because of the close interaction and relationship I have with my insurance company.

Date: July 28, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Website/App
I absolutely love my insurance company's website. I have been able to file claims from my phone. Their website is multi-faceted and I can accomplish many tasks just on my phone or computer. I have been a customer of theirs for several years and they continually offer me a reasonable premium for my policy.

Date: June 10, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I have checked with another company and mine was offering a better rate.

Date: June 05, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
The dwelling is covered as well as the fence and automatic gate


Date: November 19, 2017    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
The company's customer service is second to none. They have always been courteous and responsive to my needs and questions. I never have to wait for long periods of time to speak with a rep. I can also chat with them via their website.

Assurant Specialty Property Home Insurance Reviews

Date: January 08, 2020    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Policy Offerings
It seems to be the same as with any other company. I don't think they have a leg up on the competion bbut I also don't think that they are doing any worse than any other provider that may be out there.


Date: November 05, 2018    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Website/App
I am extremely satisfied with the website that Assurance offers. Everything is simple, effective and easy to find. This makes life as a consumer much better!

Date: September 21, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Website/App
The website is extremely easy to use. I can work on it with ease. In addition, logging in is quick and it takes very little time to make a payment and get things done that need to be done.

Date: September 04, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Customer Service
The customer service is very quick. There is no waiting time period to get the service that you need. In addition, there is a human response relatively quickly.

Date: August 27, 2018    Age: Above 60    Gender: Female    Marital Status: Unmarried

Communication
The interactions are very smooth, perhaps a bit too smooth. Normally, it takes about 1 minute to get to a live person with Assurant. It is really a relief to deal with things this way.

Date: August 07, 2018    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Policy Offerings
My coverage contains the basic items such as damage, reimbursement for damage, pretty much everything most policies cover with the exception of flood.


Date: January 09, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Premium
My premium is about average for around this area. I suppose it could be a little less, but then again it may not be a good brand of insurance.

Allstate Home Insurance Reviews

Date: January 14, 2020    Age: 50 to 59    Gender: Female    Marital Status: Married

Policy Offerings
I have never compared our current policy with Allstate to any other insurance companies. I don't know what other offerings are available.


Date: May 27, 2019    Age: 30 to 39    Gender: Married    Marital Status: Male

Customer Service
I really have nothing bad to say, everything was handled quickly with decent pricing. I Would like to have done it online as I feel it was a bit of a slow process.

Date: April 04, 2019    Age: 40 to 49    Gender: Female    Marital Status: Married

Premium
The premium is a little high, but like I said it was the only company that would insure us with our existing woodstove.

Date: February 13, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
My deductible is pretty high, but I think comparable to other companies it is about the same. I did research before purchasing the insurance, so I knew what I was getting myself into.

Date: December 31, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Customer Service
Haven't really had to use them yet. Signed up for lower prices, luckily haven't had anything happen to the house yet.

Date: December 02, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I think that the premium and deductibles provided to me by Allstate are very fair. Our previous company was overcharging us by double the amount.

Olympus Insurance Home Insurance Reviews

Date: November 16, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Customer Service
I feel comfort because the receiving or maintaining the customer in the insurance company is good while comparing to other companies.

Date: October 05, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Customer Service
I haven't had to call customer service so I can't say whether it's good or bad. I'm assuming it's going to be somewhere in the middle like most places.

Date: September 04, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Premium
The premium was lower than others when I checked around earlier in the year. It could be a better premium but others are a lot higher.

Date: March 11, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Website/App
I haven't actually been on their website or mobile app so it's hard to say whats good about it.

Date: December 01, 2017    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Policy Offerings
Fire, flood, natural disasters, wind damage, hurricane damage, loss of life, injuries to others


Date: November 19, 2017    Age: 50 to 59    Gender: Male    Marital Status: Married

Communication
We get letters occasionally from the company telling us different things about the premium rates. So I'm happy about that. They keep us informed.

Frontline Insurance Home Insurance Reviews

Date: October 01, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Communication
The convenience, time-saving,saves money, promotes flexibility, reduced boredom and increased productivity.

Date: October 01, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Policy Offerings
It includes Financial security, including work and retirement, Healthcare, Long-term care services and supports, Communities where all can thrive, Ensuring that our democracy works better for all.


Date: August 31, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Premium
provides insurance in health, financial and travel. The schemes are looking good by comparing with other insurance companies.

Date: May 05, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Website/App
The affordability is expensive and offers irrelevant operations. The quality and accessibility are also average. Features, benefits, and regulations that members can easily understand.

Date: November 19, 2017    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
Satisfaction being so subjective. While an individual customer may consider a service, a product, or technical support satisfactory, another may not. Sometimes the disconnect is a matter of opinion.

GEICO Home Insurance Reviews

Date: December 23, 2019    Age: 50 to 59    Gender: Female    Marital Status: Married

Premium
My premiums are not bad at all I have compared others and they really are about the same all around.

Date: October 22, 2019    Age: Above 60    Gender: Male    Marital Status: Married

Customer Service
I like Geico because I've bundled everything together so I only have to pay one bill. They did give us some issue when they claimed we had to replace our chimney.

Date: July 25, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Policy Offerings
One of the policies is home repair and personal item replacement. I'm a comic collector and lost a fair amount of my collection in a flood a while back.


Date: December 25, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Premium
I really don't have much to say on the premium of my home insurance policy, so I'm going to rate it a 5 because I'm satisfied with it.

Progressive Home Insurance Reviews

Date: December 30, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Policy Offerings
they work well in my opinion for my standards and personal needs and the pricing is affordable and they treat me somewhat well


State Farm Home Insurance Reviews

Date: September 05, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
they have similar offerings, we bundle our insurance to receive a discount.


Farmer's Insurance Home Insurance Reviews

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