Gavop shows you how to buy homeowners insurance in Hernando Beach, FL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Hernando Beach, FL - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Bayou Dr, Twelve Oaks Ct, Alexandria Dr, Jomel Dr, Oak Leaf Ln, Co Rd 595, Roxburgh Ct, Arbutus Ave, Algood Rd, Glover Dr | $109,000 | $90,000 | $100,000-$125,000 | $93,500 | $90,000 | $100,000-$125,000 |
| Amberjack Dr, Delta Ct, Plumosa St, Pine Island Dr, Tria Dr, McGinnes Ct, Plumbago Ct, Laurel St, Mangrove Dr, Raoidan Rd | $241,500 | $220,000 | $200,000-$250,000 | $116,500 | $110,000 | $125,000-$150,000 |
| Loblolly Ct, Columbus Dr, Tropical Dr, Lenox Blvd, Theodan St, Co Rd 550, Yellow Frog Ave, Sugar Tree Dr, Cross Bow Ln, Island Dr | $181,000 | $150,000 | $125,000-$150,000 | $95,000 | $80,000 | $75,000-$100,000 |
| Lloyd Dr, Diaz Ct, Suzanne Dr, Anchor Point Dr, Paradise Cir, Jericho Rd, Sunfish Cir, Azalea Dr, Southern Belle Dr, Wade St | $165,500 | $150,000 | $150,000-$175,000 | $114,500 | $90,000 | $100,000-$125,000 |
| Gettysburg Dr, Crestwood Dr, Burmuda Dr, Outer Banks Dr, Co Rd 597, Charleston Dr, Lighthouse Way, Raymond Pl, Fifth Isle Dr, Rhett Ln | $250,000 | $210,000 | $200,000-$250,000 | $185,500 | $160,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$190 | $808 |
| Superior Protection Discount | -$100 | $898 |
| Fire & Security Discount | -$110 | $888 |
| Hail Resistant Roof Discount | -$20 | $978 |
| Newly Constructed Home Discount | -$279 | $718 |
| 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 |
| Hernando County | $2,000 | $1,117 | $3,117 | $812 | $2,812 | $305 |
| Hernando Beach, FL | $700 | $986 | $1,686 | $716 | $1,416 | $269 |
| Timber Pines, FL | $400 | $933 | $1,333 | $678 | $1,078 | $255 |
| Homosassa, FL | $700 | $2,197 | $2,897 | $1,597 | $2,297 | $600 |
| Hernando, FL | $2,500 | $793 | $3,293 | $576 | $3,076 | $217 |
| Bushnell, FL | $200 | $707 | $907 | $514 | $714 | $193 |
| Palm Harbor, FL | $2,500 | $1,368 | $3,868 | $995 | $3,495 | $374 |
| Zephyrhills South, FL | $300 | $606 | $906 | $440 | $740 | $166 |
| Thonotosassa, FL | $1,000 | $923 | $1,923 | $671 | $1,671 | $252 |
| Belleair Bluffs, FL | $300 | $1,609 | $1,909 | $1,170 | $1,470 | $440 |
| Brandon, FL | $2,500 | $1,049 | $3,549 | $762 | $3,262 | $287 |
| Home Insurance Company Hernando Beach, FL | Homeowners Insurance Agency Hernando Beach, FL | Address | Popularity Score | Distance from Hernando Beach (miles) |
|---|---|---|---|---|
| Travelers | First Heritage Insurance Services Inc | 1511 N. West Shore Blvd. Suite 1100, Tampa, FL, 33607 | 42.9 | |
| Travelers | Focus Insurance Group | 1503 S Us Hwy 301 Ste 2, Tampa, FL, 33619 | 47.5 | |
| Travelers | Hopper Insurance Agency Inc | 8910 N Dale Mabry Hwy Ste 25, Tampa, FL, 33614 | 38.0 | |
| State Farm | Rob Sheehan | 2323 Belleair Rd Ste A, Clearwater, FL, 33764-2793 | 43.7 | |
| Travelers | Aa Insurance Consultants | 10440 Us Highway 19n, Port Richey, FL, 34668 | 18.1 | |
| State Farm | Doug Bishop | 2575 Ulmerton Rd Ste 210, Clearwater, FL, 33762-2253 | 46.5 | |
| Travelers | Community Insurance Group Inc | 505 Westbrook Ave, Brandon, FL, 33511 | 49.3 | |
| Allstate | Amanda Green | 12959 Walsingham Rd, Largo, FL, 33774 | 48.4 | |
| Travelers | Johnson Insurance Agency | 7215 Forest Oaks Bl , Spring Hill, FL, 34606 | 6.4 | |
| Allstate | William S. Veres | 5428 Spring Hill Dr, Spring Hill, FL, 34606 | 7.8 |
| 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 |
| Hernando County, FL | $120,600 | $1,131 | $880 | $1,520 | $640 |
| Hernando Beach, FL | $177,000 | $998 | $780 | $1,340 | $560 |
| Timber Pines, FL | $137,200 | $944 | $740 | $1,270 | $530 |
| Homosassa, FL | $275,200 | $2,224 | $1,730 | $2,980 | $1,250 |
| Hernando, FL | $82,200 | $802 | $630 | $1,070 | $440 |
| Bushnell, FL | $47,200 | $716 | $560 | $960 | $400 |
| Palm Harbor, FL | $194,700 | $1,385 | $1,080 | $1,860 | $780 |
| Zephyrhills South, FL | $32,100 | $613 | $480 | $820 | $340 |
| Thonotosassa, FL | $135,100 | $934 | $730 | $1,250 | $520 |
| Belleair Bluffs, FL | $182,300 | $1,629 | $1,270 | $2,180 | $910 |
| Brandon, FL | $166,700 | $1,061 | $830 | $1,420 | $590 |