Graceville Insurance Rates:

Graceville, FL home insurance is approximately $954 to $1,314, about $79-$109/month. Our in depth guide indicates shoppers can save as much as $453 by comparing many quotes

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Graceville Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $3190/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $190,000

4 Beds, 4 Baths 2540 sqft Vacation Property Constructed In 1999 with Linoleum, Slate Shingles Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Swimming Pool, Deadbolt Locks, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

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

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1700/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Baths 2040 sqft Vacation Property Constructed In 2013 with Carpet Flooring, Asphalt Shingles Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Single Male who is a Freelancer with household income of $50-$75,000 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 $1020/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $180,000

4 Beds, 4 Baths 2890 sqft Seasonal Residence Constructed In 1985 with Hardwood Flooring, Shingles Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Smoke Alarm, Indoor Sprinklers, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Divorced Male who is Unemployed and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $1060/7 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

4 Beds, 4 Baths 2110 sqft Rental Property Constructed In 1979 with Linoleum, Wood Shake Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

41 Years old Single Male who is a Freelancer with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $3380/7 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $250,000

4 Beds, 4 Bath 3260 sqft Seasonal Residence Constructed In 1970 with Stone Flooring, Metal Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

49 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 :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $220/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Baths 2050 sqft Vacation Property Constructed In 1988 with Linoleum, Metal Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $390/3 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $145,000

4 Beds, 4 Baths 2090 sqft Primary Residence Constructed In 1985 with Carpet over wood flooring, Tile Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Swimming Pool, Smoke Alarm, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

55 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

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

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $970/5 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $110,000

3 Beds, 3 Bath 1610 sqft Seasonal Residence Constructed In 2010 with Carpet Flooring, Tile Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Graceville, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
32440 $96,800 $1,140

Graceville Rates & Quotes Analysis:

Graceville Area Estimated House Insurance
Webb St, Canary Rd, Peanut Rd, Alabama St, Forest Dr, Spears Ave, Max Ln, Danford Bay Rd, Monday Rd, Chapman Ln$1,127
7th Ave, Co Rd 277, Vann Ln, Grahm Dr, Fred Ln, Christy Ln, Galilee Rd, Primrose Ln, Everett Rd, Ame Rd$1,128
Rachel Rd, Barron Rd, Earlston Rd, Parrott Rd, Bunker Rd, Bentley Rd, Reddick Mill Rd, Hope Ave, Jordon St, Piney Woods Rd$1,130
Martin St, Graham Ln, 11th Ave, Forest St, Clearview Ln, Thomas Dr, Mixon St, Forrest Dr, Satelite Rd, Tree Top Rd$1,129
Glory Acres Dr, Doe Run Rd, Jenkins St, Johns Rd, Dekle St, Cherry St, Outback Ln, 10th Ave, Vicki Rd, Tri County Rd$1,128

Insurance rates are influenced by a number of factors including:

  • Year Built: 460 Homes (22% of total) built between 1980 to 1989 in Graceville are paying home insurance between $1,692-$1,709 compared to Altha (+$18), Redbay (+$10), Southport (+$28), Jacob City (-$54) and Noma (-$64).
  • Bedrooms: 993 3 bedrooms homes (49% of total homes ) in Graceville are paying about $840. Areas near to Graceville such as Chipley, Madrid(AL), Slocomb(AL) are costlier by $4, $46, $38 respectively whereas Jacob City and Noma are more economical by $16, $32 respectively for similar homes.
  • Auto Insurance Bundling: 195 Households (19% of all households) in Graceville have 3 or more vehicles available and when it is bundled with home insurance you can save $283. Discounts for similar bundling in close by locations such as Jacob City, Noma, Campbellton come to $274, $272, $279 respectively.
  • Senior Discounts: 583 seniors (more than 55 years) occupied housing units (56% of total) in Graceville get discounts between $168 to $171. The comparative concessions in proximate regions such as Jacob City, Noma and Campbellton are $164, $163 and $167 respectively.
  • New Homes discounts: New homes such as the 872 homes built between 2000 to 2009 in Graceville can save $226 and varies from Jacob City ($219), Noma ($218), Campbellton ($223).

Graceville Homeowners insurance Facts

  • Graceville, FL has 1,024 owner occupied houses which is 64.5% of all units whereas Jacob City, Noma and Campbellton have 70.62%, 92.17% and 89.93% respectively.
  • Graceville, FL homeowners yearly insurance price at $1,134 is 1.08% of the typical house value of $105,000 which is in contrast with 2.43% in Jacob City, 3.26% at Noma & 1.47% in Campbellton.
  • Homeowners in Graceville, FL pay 3.49% of their income ($30,000 to $34,999) in insurance whereas homeowners in Jacob City, Noma and Campbellton pay 3.38%, 3.36% and 3.44% respectively.
  • Graceville, FL’s insurance is 9.0% of monthly housing costs of $1,048/month, for owners with a mortgage compared to 9.15% in Jacob City, 10.7% at Noma & 10.98% in Campbellton. But, for households without a mortgage, insurance is 29.3% of costs ($323 in Graceville, FL) in contrast with 37.04% in Jacob City, 24.84% at Noma & 25.43% in Campbellton.

Graceville, FL Home Values & Insurance rates

For example, insurance for 56 Homes (5.0% of total homes ) valued between $50,000 to $59,999 in Graceville, FL is about $567. Rates in nearby areas in such as Madrid, Rehobeth, Hartford are cheaper by $130, $236, $6 respectively while Jacob City and Noma are costlier by $706 and $1,134 respectively for similar homes.

Graceville, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 241 25.0% $260
$50,000 to $59,999 56 5.0% $567
$60,000 to $69,999 94 9.0% $691
$70,000 to $79,999 39 4.0% $805
$80,000 to $89,999 43 4.0% $907
$90,000 to $99,999 15 1.0% $1020
$100,000 to $124,999 121 12.0% $1179
$125,000 to $149,999 58 6.0% $1474
$150,000 to $174,999 93 9.0% $1746
$175,000 to $199,999 37 3.0% $2018
$200,000 to $249,999 68 7.0% $2426
$250,000 to $299,999 26 2.0% $2971
$300,000 to $399,999 53 5.0% $3776

Renters Insurance in Graceville

  • Average Renters Insurance in Graceville :  $188($15/month)

  • Median Gross Rent in Graceville :  $572

  • Graceville Renters Insurance to Median Rent Ratio:  2.62%

  • Renter occupied housing units in Graceville :  564

Graceville Renters Insurance as a Percentage of Rent

Graceville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 17 3.0% $347
$200 to $299 73 15.0% $797
$300 to $499 146 30.0% $1247
$500 to $749 133 27.0% $1922
$750 to $999 98 20.0% $2672
$1,000 to $1,499 13 2.0% $3797

Protective device discount in Graceville Up to :  $28

Claims-free discount in Graceville Up to :  $37