Fernandina Beach Insurance Rates:

Fernandina Beach, FL home insurance is about $1,049 to $1,444, about $87-$120/month. Our complete research shows customers can save upto $498 by getting many quotes

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Fernandina Beach Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $7180/8 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $530,000

4 Beds, 4 Baths 3140 sqft Primary Residence Constructed In 2006 with Stone Flooring, Tile Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Central Air Conditioning, Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

37 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $5010/7 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $645,000

5 Beds, 5 Bath 3710 sqft Vacation Property Constructed In 2014 with Linoleum, Tile Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Swimming Pool, Smoke Alarm, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $260/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $260,000

4 Beds, 4 Bath 1780 sqft Rental Property Constructed In 2011 with Stone Flooring, Wood Shake Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

51 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

Home Insurance Rate of $5970/8 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $515,000

5 Beds, 5 Bath 3170 sqft Seasonal Residence Constructed In 1993 with Ceramic Tile Flooring, Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Swimming Pool, Indoor Sprinklers, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Single Male who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $2340/4 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $350,000

3 Beds, 3 Baths 2300 sqft Primary Residence Constructed In 1987 with Hardwood Flooring, Composition Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

74 Years old Married Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $330/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Baths 1430 sqft Vacation Property Constructed In 1985 with Carpet Flooring, Composition Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Single Male who is a Freelancer with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $6530/9 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $485,000

5 Beds, 5 Baths 3210 sqft Rental Property Constructed In 2001 with Wood Flooring, Membrane Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Married Female who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $4340/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $330,000

5 Beds, 5 Baths 2530 sqft Rental Property Constructed In 1982 with Ceramic Tile Flooring, Tile Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Deadbolt Locks, Copper Water Pipes, Central Air Conditioning, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Single Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

Fernandina Beach Rates & Quotes Analysis:

Fernandina Beach Area Estimated House Insurance
13th Ter N, Inverness Rd, Delorean St, 1st Ave, Bonnie Oaks Dr, Foxtail Rd, N 14th Pl, N 21st St, Nottingham Dr, Sea Marsh Rd$1,213
Simmons Rd, Mary Ave, The Buccaneer Trl, Centre St, Ocean Ave, Dunewood Pl, Eastwind Dr, S 12th St, Captain Hook Dr, Ruskin Ln$1,208
Atlantic View Dr, Leon St, Arbor Dr, Sewart Ave, Fairway Dr, Safe Harbor Ln, Jasmine St, Someruelus St, Irene Ct, Sea Island Ct$1,338
S 14th St, Racheal Ave, Ellen St, Sussex Dr, Penbrook Dr, Pappys Pl, Amelia Green, Long Boat Dr, Sea Grove Ln, Hanging Moss Dr$1,219
Sterling Ln, Cashen Wood Rd, Ocean Bluff Dr, S 10th St, McGregor Blvd, Kimberly St, Hammock Ct, Bridal Rd, Belvedere Ave, Lemond Cay Ct$1,211

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,286 Homes (16% of total) built between 1970 to 1979 in Fernandina Beach are paying home insurance between $2,020-$2,039 and varies from Atlantic Beach (+$35), Palm Valley (+$119), Ponte Vedra (+$142), Yulee (-$106) and Jacksonville North (-$125).
  • Bedrooms: 3,393 2 bedrooms homes (24% of total homes ) in Fernandina Beach are paying about $723 in contrast with Atlantic Beach (+$12), Palm Valley (+$43), Ponte Vedra (+$51), Yulee (-$38) and Jacksonville North (-$44).
  • Auto Insurance Bundling: 3,408 Households (48% of all households) in Fernandina Beach have 2 vehicles available and when it is bundled with home insurance you can save $249. Discounts for similar bundling in close by locations such as Yulee, Jacksonville North, St. Marys (GA)come to $236, $233, $182 respectively.
  • Senior Discounts: 4,856 seniors (more than 55 years) occupied housing units (69% of total) in Fernandina Beach get discounts between $184 to $189 and differs from Yulee ($177), Jacksonville North ($175), St. Marys(GA) ($136).
  • New Homes discounts: New homes such as the 6,100 homes built between 2000 to 2009 in Fernandina Beach can save $249 and similar new home insurance discounts in nearby towns and cities like Yulee, Jacksonville North and St. Marys(GA) are $236, $233 and $182 respectively.

Fernandina Beach Homeowners insurance Facts

  • Fernandina Beach, FL has 7,013 owner occupied houses which is 78.0% of all units whereas Yulee, Jacksonville North and St. Marys have 77.87%, 73.46% and 59.47% respectively.
  • Fernandina Beach, FL homeowners yearly insurance price at $1,246 is 0.42% of the typical house value of $293,500 which is in contrast with 0.64% in Yulee, 0.72% at Jacksonville North & 0.5% in St. Marys.
  • Homeowners in Fernandina Beach, FL pay 1.66% of their income ($75,000 or more) in insurance whereas homeowners in Yulee, Jacksonville North and St. Marys pay 1.57%, 1.56% and 1.21% respectively.
  • Fernandina Beach, FL’s insurance is 5.5% of monthly housing costs of $1,906/month, for owners with a mortgage compared to 6.57% in Yulee, 6.11% at Jacksonville North & 4.8% in St. Marys. But, for households without a mortgage, insurance is 15.6% of costs ($664 in Fernandina Beach, FL) in contrast with 28.1% in Yulee, 24.54% at Jacksonville North & 17.27% in St. Marys.

Fernandina Beach, FL Home Values & Insurance rates

For example, insurance for 360 Homes (7.0% of total homes ) valued between $125,000 to $149,999 in Fernandina Beach, FL is about $573. Rates in nearby areas in such as Atlantic Beach, Neptune Beach, Palm Valley are cheaper by $54, $54, $138 respectively while Yulee and Jacksonville North are costlier by $312 and $408 respectively for similar homes.

Fernandina Beach, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 182 3.0% $99
$70,000 to $79,999 170 3.0% $311
$90,000 to $99,999 64 1.0% $398
$100,000 to $124,999 194 4.0% $461
$125,000 to $149,999 360 7.0% $573
$150,000 to $174,999 478 10.0% $685
$175,000 to $199,999 217 4.0% $784
$200,000 to $249,999 1,148 25.0% $946
$250,000 to $299,999 737 16.0% $1158
$300,000 to $399,999 949 20.0% $1482

Renters Insurance in Fernandina Beach

  • Average Renters Insurance in Fernandina Beach :  $68($5/month)

  • Median Gross Rent in Fernandina Beach :  $953

  • Fernandina Beach Renters Insurance to Median Rent Ratio:  0.52%

  • Average household size of renter-occupied unit :  2.21

Fernandina Beach Renters Insurance as a Percentage of Rent

Fernandina Beach Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 47 2.0% $767
$300 to $499 201 10.0% $1217
$500 to $749 251 13.0% $1892
$750 to $999 549 29.0% $2642
$1,000 to $1,499 632 33.0% $3767
$1,500 or more 190 10.0% $5417

Protective device discount in Fernandina Beach Up to :  $10

Claims-free discount in Fernandina Beach Up to :  $13