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Fernandina Beach, FL Home Values & Insurance Rates

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

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

Example Fernandina Beach Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersState FarmChubb Group of Insurance
Monthly Premium 484346537
Year Built 200020131991
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $350000-$400000$250000-$300000$500000-$600000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible$5000 to $10,000 Deductible

Top Home Insurance Agents Near Fernandina Beach, FL

Home Insurance Company Near Fernandina Beach, FL Homeowners Insurance Agency Near Fernandina Beach, FL Address Distance from Fernandina Beach, FL (miles)
Cecil W Powell & Co 219 N. Newnan St, Jacksonville, FL, 32202 24.3
Hazel Partners, Llc 326 Paseo Reyes Dr , St Augustine, FL, 32095 46.7
Surety Markets, Inc. 4033 San Servera Drive N, Jacksonville, FL, 32217 29.6
Travelers Brightway Insurance 1515 County Rd 210 W Ste 103 Jacksonsville, Jacksonville, FL, 32259 33.5
Travelers Rust Insurance Inc 1835-4 EAST WEST PKWY, FLEMING ISLAND, FL, 32003 39.9


Estimated Home Insurance By Street Area Near Fernandina Beach, FL

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

Fernandina Beach, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$2,700
Yearly Fernandina Beach Homeowner Insurance Premium Example $8,400$7,900
Out of Pocket Expense During Claim$1,700$2,700
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $26,900$26,400
Net Savings to Fernandina Beach Home Owner from High Deductible Plan $500

Fernandina Beach, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Fernandina Beach, FL Home Replacement Value MORE than Home Value Fernandina Beach, FL Home Replacement Value LESS than Home Value
Replacement Value $500,000 $390,500
Insurance Premium based on Replacement Value $9,950 $7,775
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $48,000 Risk Exposure from Under Insuring Coverage is $61,500
Premium Impact Insurance cheaper by $1,225/year Insurance costlier by $950/year