Gavop's guide to buying homeowners insurance in Highlands 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.
| Highlands 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 | |
| W Metuchen Rd, Mar Bet Dr, Augusta Rd NE, Canfield St, W Dixon Rd, 11th St, Wilson Ave NE, Wesley Cir, Arbuckle Creek Rd, Mockingbird Ln | $78,000 | $70,000 | $50,000-$75,000 | $155,500 | $150,000 | $125,000-$150,000 |
| Circle Dr, Loop Dr, Markley St, Tuberose St, Brentwood Dr S, Cardinal Ave, Thunder Rd, Nolana Ave, Prince Ave, Willow Dale | $78,500 | $70,000 | $75,000-$100,000 | $79,000 | $70,000 | $50,000-$75,000 |
| Lilac Rd, Laurel Dr, Penny Ave, Deer Park Ct, Highlands Dr, 17th Ave, Concert Dr, E Gold Tee Dr, Lake Betty Dr, S Seiple Rd | $129,500 | $120,000 | $125,000-$150,000 | $129,000 | $120,000 | $150,000-$175,000 |
| Alderman Dr, Fox Rd, Burr Rd, Caribbean Rd E, Fleetway St, Ernest E Sims St, Bentley Ave, Buffalo Jump, N Maryland Dr, Oak Ridge Ave | $70,500 | $60,000 | $75,000-$100,000 | $86,500 | $70,000 | $75,000-$100,000 |
| Flounder Dr, Ventura Dr, Lantana Ave, Appaloosa Rd, Bottlebrush Ave, Turkey Ln, Parkview Cir, Lake Apthorp Dr, King James Dr, Brighton Rd | $89,500 | $80,000 | $100,000-$125,000 | $143,000 | $120,000 | $150,000-$175,000 |
| Vine Ln, Park Dr, Ecstasy Ave, Sirena Dr, Duane Palmer Blvd, Gloaming Dr, Dauphine St, Willow Run, Robbins Rd, Springdale Rd | $84,500 | $70,000 | $75,000-$100,000 | $77,000 | $70,000 | $50,000-$75,000 |
| Red Beach Ln, N Fantasy Rd, N Ruth Rd, N Prospect Ave, White Popla St, Ecstasy Dr, S Roberta Dr, Beech Ln, Apple Rd, S Fairview Ter | $88,500 | $80,000 | $100,000-$125,000 | $106,500 | $90,000 | $100,000-$125,000 |
| Holmes Rd, Elder Ln, Co Rd 700, Oak Knolls Cir, Roadrunner Ave, Danzi Rd, Burning Tree Cir, N Self Ave, Violet Ter, W Mimosa Rd | $80,500 | $70,000 | $50,000-$75,000 | $78,000 | $60,000 | $50,000-$75,000 |
| N Buckingham Rd, Orday Rd, Sun Ct, NW Josephine Rd, Flower Ter, Crescent Dr, N Vernon Rd, Amy Rd, Ibis Ave, Gabriel St | $96,500 | $90,000 | $75,000-$100,000 | $112,000 | $90,000 | $100,000-$125,000 |
| N Oleander Dr, E Short St, Maya Dr, Dry Tortuga St NE, Page Rd, Fulmar Ter, Melady Ave, S Roberts Rd, Chinaberry Ct, Tangerine Rd NW | $120,500 | $100,000 | $125,000-$150,000 | $195,500 | $170,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$134 | $821 |
| Superior Protection Discount | -$95 | $859 |
| Fire & Security Discount | -$105 | $849 |
| Hail Resistant Roof Discount | -$19 | $935 |
| Newly Constructed Home Discount | -$267 | $687 |
| 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 |
| Highlands County | $700 | $943 | $1,643 | $685 | $1,385 | $258 |
| Highlands County, FL | $2,000 | $943 | $2,943 | $685 | $2,685 | $258 |
| Hardee County, FL | $500 | $787 | $1,287 | $572 | $1,072 | $215 |
| Southwest Glades, FL | $1,000 | $877 | $1,877 | $638 | $1,638 | $240 |
| Buckhead Ridge, FL | $200 | $1,044 | $1,244 | $759 | $959 | $285 |
| Southeast Arcadia, FL | $2,500 | $861 | $3,361 | $625 | $3,125 | $235 |
| Moore Haven, FL | $400 | $824 | $1,224 | $599 | $999 | $225 |
| Arcadia West, FL | $1,000 | $1,182 | $2,182 | $859 | $1,859 | $323 |
| Alturas, FL | $400 | $995 | $1,395 | $723 | $1,123 | $272 |
| Polk County, FL | $300 | $1,120 | $1,420 | $814 | $1,114 | $306 |
| Dundee, FL | $2,500 | $1,136 | $3,636 | $826 | $3,326 | $311 |
| Home Insurance Company Highlands County, FL | Homeowners Insurance Agency Highlands County, FL | Address | Popularity Score | Distance from Highlands County (miles) |
|---|---|---|---|---|
| State Farm | Lori Kennedy | 223 Us Highway 27 N, Sebring, FL, 33870-2132 | 13.0 | |
| Travelers | First Insurance Of Lake Placid Inc | 255 E Interlake Blvd, Lake Placid, FL, 33852 | 3.4 | |
| Allstate | Jessica Hartline | 4325 Sun N Lake Blvd Ste 101, Sebring, FL, 33872 | 16.9 | |
| Allstate | Jason Andrews | 915 Mall Ring Rd Ste A, Sebring, FL, 33870 | 13.7 | |
| Travelers | Wells & Associates Insurance | 309 Us Hwy 27 S, Lake Placid, FL, 33852 | 3.5 | |
| Travelers | Heacock Insurance Group | 1105 Us Hwy 27 North , Sebring, FL, 33870 | 13.7 | |
| Travelers | Southern Insurance Agency | 3019 Us Hwy 27 N, Sebring, FL, 33872 | 15.0 | |
| State Farm | Jack Rhine | 1905 Us 27, Sebring, FL, 33870-1858 | 11.4 | |
| Allstate | Wells-Sebring | 4101 Us Highway 27 N, Sebring, FL, 33870 | 15.5 | |
| Allstate | John E. Snyder | 965 Sebring Square, Sebring, FL, 33870 | 15.0 |
| 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 |
| Highlands County, FL | $87,900 | $954 | $740 | $1,280 | $540 |
| Highlands County, FL | $87,900 | $954 | $740 | $1,280 | $540 |
| Hardee County, FL | $81,200 | $796 | $620 | $1,070 | $450 |
| Southwest Glades, FL | $72,300 | $888 | $690 | $1,190 | $500 |
| Buckhead Ridge, FL | $97,100 | $1,057 | $820 | $1,420 | $600 |
| Southeast Arcadia, FL | $69,800 | $871 | $680 | $1,170 | $490 |
| Moore Haven, FL | $64,400 | $834 | $650 | $1,120 | $470 |
| Arcadia West, FL | $117,700 | $1,196 | $930 | $1,600 | $670 |
| Alturas, FL | $89,800 | $1,007 | $790 | $1,350 | $560 |
| Polk County, FL | $121,100 | $1,134 | $880 | $1,520 | $640 |
| Dundee, FL | $110,800 | $1,150 | $900 | $1,540 | $640 |