Gavop tells you how to get the best homeowners insurance in Ocean City, FL by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $69,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $136,500 | $130,000 | $125,000-$150,000 |
| 3 Bedroom | $132,500 | $110,000 | $125,000-$150,000 |
| 4 Bedroom | $198,000 | $180,000 | $150,000-$175,000 |
| 5 Bedroom | $283,000 | $250,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$145 | $820 |
| Superior Protection Discount | -$87 | $878 |
| Fire & Security Discount | -$106 | $859 |
| Hail Resistant Roof Discount | -$29 | $936 |
| Newly Constructed Home Discount | -$270 | $695 |
| 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 | $2,000 | $1,390 | $3,390 | $1,010 | $3,010 | $380 |
| Ocean City, FL | $2,000 | $953 | $2,953 | $693 | $2,693 | $261 |
| Fort Walton Beach, FL | $500 | $1,391 | $1,891 | $1,011 | $1,511 | $380 |
| Niceville, FL | $2,500 | $981 | $3,481 | $713 | $3,213 | $268 |
| Okaloosa County, FL | $300 | $1,390 | $1,690 | $1,010 | $1,310 | $380 |
| Garcon Point, FL | $2,500 | $2,436 | $4,936 | $1,771 | $4,271 | $666 |
| Point Baker, FL | $500 | $992 | $1,492 | $721 | $1,221 | $271 |
| Pea Ridge, FL | $300 | $1,166 | $1,466 | $847 | $1,147 | $319 |
| Skyline, FL | $700 | $943 | $1,643 | $685 | $1,385 | $258 |
| Paxton-Darlington, FL | $500 | $898 | $1,398 | $653 | $1,153 | $245 |
| Pine Level, FL | $700 | $877 | $1,577 | $638 | $1,338 | $240 |
| Home Insurance Company Ocean City, FL | Homeowners Insurance Agency Ocean City, FL | Address | Popularity Score | Distance from Ocean City (miles) |
|---|---|---|---|---|
| Travelers | Priority-One Insurance | 98 Nw Beal Pkwy 98 Nw Beal Pkwy Ft. Walton Beach, Fort Walton Beach, FL, 32548 | 1.3 | |
| Travelers | Priority-One Insurance | 98 Beal Pkwy Nw, Fort Walton Beach, FL, 32548 | 1.3 | |
| Allstate | Neal Bern | 21a Eglin Pkwy Ne, Fort Walton Beach, FL, 32548 | 1.9 | |
| Travelers | Niceville Insurance Agency | 109 Bullock Blvd, Niceville, FL, 32578 | 9.8 | |
| Travelers | Niceville Insurance Agency | 109 Bullock Blvd, Niceville, FL, 32578 | 9.8 | |
| Travelers | Harris Insurance Services Inc | 123 Miracle Strip Pkwy Se, Fort Walton Beach, FL, 32548 | 2.5 | |
| Travelers | Affordable Home Insurance Inc | 3999 Commons Drive Suite F, Destin, FL, 32541 | 9.6 | |
| Allstate | Frances Faille | 917 Hospital Dr, Niceville, FL, 32578 | 9.7 | |
| Travelers | Affordable Home Insurance Inc | 3999 Commons Dr W Ste F, Destin, FL, 32541 | 9.9 | |
| Allstate | Dave Morrow | 3997 Commons Dr W Ste H, Destin, FL, 32541 | 9.9 |
| 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 |
| Ocean City, FL | $164,000 | $965 | $750 | $1,290 | $540 |
| Fort Walton Beach, FL | $198,900 | $1,408 | $1,100 | $1,890 | $790 |
| Niceville, FL | $211,800 | $993 | $770 | $1,330 | $560 |
| Okaloosa County, FL | $198,700 | $1,407 | $1,100 | $1,890 | $790 |
| Garcon Point, FL | $315,200 | $2,466 | $1,920 | $3,300 | $1,380 |
| Point Baker, FL | $89,300 | $1,004 | $780 | $1,350 | $570 |
| Pea Ridge, FL | $115,300 | $1,180 | $920 | $1,580 | $660 |
| Skyline, FL | $139,200 | $954 | $740 | $1,280 | $540 |
| Paxton-Darlington, FL | $100,800 | $909 | $710 | $1,220 | $510 |
| Pine Level, FL | $72,300 | $888 | $690 | $1,190 | $500 |