Gavop's guide to buying homeowners insurance in Pinellas 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.
| Pinellas County, FL - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Hibiscus Ave S, Rockaway St, Mount Essex Dr NE, Orchard Grove Pl, Maragos St, Taylor Lake Cir, W Klosterman Rd, Windtree Blvd, Kent Dr, Foxcroft Dr E | $164,500 | $150,000 | $150,000-$175,000 | $171,000 | $150,000 | $125,000-$150,000 |
| Dover Ct, 4th Ave SW, Wolford Rd, Gleneagles Dr E, Indigo Pond Dr, Tradewinds Blvd, Brunswick Cir, Milton St, Lake Ave, Kapok Cir | $122,000 | $110,000 | $100,000-$125,000 | $194,500 | $180,000 | $200,000-$250,000 |
| Star St N, Boca Ciega Dr N, Goshen Rd, Northridge St, 111th Ter, Smoketree Ct, E Lake Woodlands Pkwy, Mears Ct, Lebeau St, Meres Blvd | $149,000 | $130,000 | $125,000-$150,000 | $249,500 | $230,000 | $250,000-$300,000 |
| Picardy Cir, E Gulf Blvd, Sunfish Ct, Brighton Bay Blvdne, Blackwood Cir, Pin Oak Ln E, Willow St N, 57th Ter N, Maplewood Dr, 88th Ter N | $73,000 | $60,000 | $75,000-$100,000 | $114,000 | $100,000 | $100,000-$125,000 |
| Land St, Canino Ct, Stetson Dr, Beach Ave, Newbern Dr, 11th Ave, Commerce Blvd, Holiday Ln, Grant St, Savannah Oaks Cir | $265,000 | $250,000 | $250,000-$300,000 | $229,500 | $200,000 | $250,000-$300,000 |
| Windward Psge, Oakley Ave S, 36th Ter N, Dexter Dr, Oak Forest Blvd S, Corkwood Ct, 95th St, Summerlin Dr, Bahia Vista Blvd, Augusta Ln S | $86,000 | $80,000 | $75,000-$100,000 | $79,000 | $70,000 | $75,000-$100,000 |
| Lancaster Dr, Milwaukee Ave, 62nd Way N, Sunny Ln, Mickey Ln, Ambler St, Buena Vista Dr, Washington Ave, Ridge Rd N, Crane Ter | $206,000 | $170,000 | $200,000-$250,000 | $247,000 | $210,000 | $200,000-$250,000 |
| 110th Ave, Morning Dove Pl, Whitcomb Blvd, 25th Ave, 2nd St NE, Teal Ln, Harbor View Ln, Amelia Way, Prince Oak Dr, Coronado Dr | $169,000 | $150,000 | $200,000-$250,000 | $232,000 | $210,000 | $250,000-$300,000 |
| Redfish Ln SE, Meadow View Ave, Damrosch St, 75st N, Inverness Ct, State Rte 582, Bonnie Blvd, Manisha Pl, Idlewild Dr, Drury Ln | $172,500 | $160,000 | $175,000-$200,000 | $153,500 | $140,000 | $150,000-$175,000 |
| Sun Island Dr S, Baymont St, 64th St, 61st Ln N, Timbercrest Cir E, Waltzing Ln, Franklin St, Meadow Oak Ln, Imperial Point Dr S, Columbus Cir | $129,500 | $110,000 | $125,000-$150,000 | $188,000 | $150,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$248 | $1,128 |
| Superior Protection Discount | -$124 | $1,251 |
| Fire & Security Discount | -$138 | $1,238 |
| Hail Resistant Roof Discount | -$28 | $1,348 |
| Newly Constructed Home Discount | -$358 | $1,018 |
| 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 |
| Pinellas County | $2,000 | $1,359 | $3,359 | $987 | $2,987 | $371 |
| Pinellas County, FL | $2,500 | $1,359 | $3,859 | $987 | $3,487 | $371 |
| Indian Shores, FL | $500 | $2,476 | $2,976 | $1,799 | $2,299 | $677 |
| Oldsmar, FL | $700 | $982 | $1,682 | $714 | $1,414 | $268 |
| Hillsborough County, FL | $200 | $1,432 | $1,632 | $1,040 | $1,240 | $391 |
| Brandon, FL | $2,000 | $1,049 | $3,049 | $762 | $2,762 | $287 |
| Bradenton, FL | $100 | $1,357 | $1,457 | $986 | $1,086 | $371 |
| Whitfield, FL | $2,000 | $1,871 | $3,871 | $1,360 | $3,360 | $511 |
| South Sarasota, FL | $200 | $2,694 | $2,894 | $1,958 | $2,158 | $736 |
| Kathleen, FL | $1,500 | $863 | $2,363 | $627 | $2,127 | $236 |
| Hernando Beach, FL | $500 | $986 | $1,486 | $716 | $1,216 | $269 |
| Bradley Junction, FL | $2,500 | $790 | $3,290 | $574 | $3,074 | $216 |
| Home Insurance Company Pinellas County, FL | Homeowners Insurance Agency Pinellas County, FL | Address | Popularity Score | Distance from Pinellas County (miles) |
|---|---|---|---|---|
| State Farm | Rob Sheehan | 2323 Belleair Rd Ste A, Clearwater, FL, 33764-2793 | 2.4 | |
| State Farm | Tim Tran | 9750 Seminole Blvd, Seminole, FL, 33772-2527 | 4.1 | |
| Allstate | Jeff Holman | 10696 Gandy Blvd N, Saint Petersburg, FL, 33702 | 7.5 | |
| State Farm | Dave Cosper | 1164 Belcher Rd, Dunedin, FL, 34698-5679 | 8.1 | |
| Liberty Mutual Independent | Dick Johnson & Jefferson Inc | 1429 60th Ave W Ste 200 , Bradenton, FL, 34207 | 33.8 | |
| Allstate | Hank Brautigam | 5700 4th St N, Saint Petersburg, FL, 33703 | 8.3 | |
| Allstate | Paul Freire | 1365 Main St, Dunedin, FL, 34698 | 8.2 | |
| Allstate | Pell Moore | 2101 Starkey Rd Unit L3, Largo, FL, 33771 | 1.4 | |
| Allstate | Mike Jett | 6393 Mlk St N Ste 104, St Petersburg, FL, 33702 | 7.6 | |
| Allstate | Phillip R. Connell | 10883 Ulmerton Rd, Largo, FL, 33778 | 3.2 |
| 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 |
| Pinellas County, FL | $167,100 | $1,375 | $1,070 | $1,840 | $770 |
| Pinellas County, FL | $167,100 | $1,375 | $1,070 | $1,840 | $770 |
| Indian Shores, FL | $322,100 | $2,506 | $1,950 | $3,360 | $1,410 |
| Oldsmar, FL | $176,100 | $994 | $780 | $1,330 | $550 |
| Hillsborough County, FL | $179,500 | $1,449 | $1,130 | $1,940 | $810 |
| Brandon, FL | $166,700 | $1,061 | $830 | $1,420 | $590 |
| Bradenton, FL | $166,800 | $1,373 | $1,070 | $1,840 | $770 |
| Whitfield, FL | $223,000 | $1,894 | $1,480 | $2,540 | $1,060 |
| South Sarasota, FL | $360,700 | $2,727 | $2,130 | $3,650 | $1,520 |
| Kathleen, FL | $94,600 | $874 | $680 | $1,170 | $490 |
| Hernando Beach, FL | $177,000 | $998 | $780 | $1,340 | $560 |
| Bradley Junction, FL | $59,400 | $800 | $620 | $1,070 | $450 |