Gavop's guide to buying homeowners insurance in Gulf 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $44,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $121,500 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $151,500 | $130,000 | $125,000-$150,000 |
| 4 Bedroom | $258,000 | $230,000 | $300,000-$350,000 |
| 5 Bedroom | $276,000 | $230,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$152 | $860 |
| Superior Protection Discount | -$101 | $911 |
| Fire & Security Discount | -$111 | $900 |
| Hail Resistant Roof Discount | -$30 | $981 |
| Newly Constructed Home Discount | -$243 | $769 |
| 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 |
| Gulf County | $1,500 | $1,000 | $2,500 | $726 | $2,226 | $273 |
| Gulf County, FL | $2,000 | $1,000 | $3,000 | $726 | $2,726 | $273 |
| Mexico Beach, FL | $400 | $986 | $1,386 | $717 | $1,117 | $270 |
| East Liberty, FL | $1,500 | $835 | $2,335 | $607 | $2,107 | $228 |
| Calhoun County, FL | $300 | $780 | $1,080 | $567 | $867 | $213 |
| Lower Grand Lagoon, FL | $1,000 | $1,646 | $2,646 | $1,196 | $2,196 | $450 |
| Youngstown, FL | $300 | $764 | $1,064 | $555 | $855 | $209 |
| Lake Mystic, FL | $2,000 | $842 | $2,842 | $612 | $2,612 | $230 |
| Bristol, FL | $200 | $988 | $1,188 | $718 | $918 | $270 |
| West Wakulla, FL | $2,500 | $1,099 | $3,599 | $798 | $3,298 | $300 |
| Laguna Beach, FL | $500 | $1,750 | $2,250 | $1,272 | $1,772 | $478 |
| Home Insurance Company Gulf County, FL | Homeowners Insurance Agency Gulf County, FL | Address | Popularity Score | Distance from Gulf County (miles) |
|---|---|---|---|---|
| Allstate | Pamela Johnson | 2555 Huntcliff Ln, Panama City, FL, 32405 | 31.4 | |
| Allstate | Nancy S Ramsey | 1501 Mulberry Ave Ste 2, Panama City, FL, 32405 | 30.7 | |
| Allstate | Amy Dalton | 1315 E 14th St, Lynn Haven, FL, 32444 | 32.1 | |
| Allstate | Joe Brown | 17206 Panama City Beach Pkwy, Panama City Beach, FL, 32413 | 44.0 | |
| Travelers | Anderson Insurance Services | 611 Camelia St, Panama City, FL, 32407 | 40.4 | |
| Allstate | Joey Kirkland | 3 Miracle Strip Loop Ste B, Panama City Beach, FL, 32407 | 38.0 | |
| Travelers | Brian Taylor Insurance Inc | 8406 Pcb Pkwy Ste L Panama City Beach, Panama City Beach, FL, 32407 | 38.0 | |
| Travelers | Hannon Insurance Agency | 221 Reid Ave Port St. Joe, Port St Joe, FL, 32456 | 7.0 | |
| Allstate | Marks Ins Agcy Inc | 61 Ave E Po Box 129, Apalachicola, FL, 32329 | 20.6 | |
| Allstate | Gaskin Graddy Ins | 156 2nd St. N., Wewahitchka, FL, 32465 | 14.7 |
| 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 |
| Gulf County, FL | $151,400 | $1,012 | $790 | $1,360 | $570 |
| Gulf County, FL | $151,400 | $1,012 | $790 | $1,360 | $570 |
| Mexico Beach, FL | $213,400 | $998 | $780 | $1,340 | $560 |
| East Liberty, FL | $66,000 | $845 | $660 | $1,130 | $470 |
| Calhoun County, FL | $80,000 | $790 | $620 | $1,060 | $440 |
| Lower Grand Lagoon, FL | $187,900 | $1,666 | $1,300 | $2,230 | $930 |
| Youngstown, FL | $77,100 | $773 | $600 | $1,040 | $440 |
| Lake Mystic, FL | $67,000 | $852 | $660 | $1,140 | $480 |
| Bristol, FL | $88,800 | $1,000 | $780 | $1,340 | $560 |
| West Wakulla, FL | $105,300 | $1,112 | $870 | $1,490 | $620 |
| Laguna Beach, FL | $204,000 | $1,771 | $1,380 | $2,370 | $990 |