Treasure Island Insurance Rates:

Treasure Island, FL home insurance is about $1,074 to $1,498, about $89-$124/month. Our thorough guide shows customers can save as much as $514 by getting multiple quotes

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Treasure Island Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $3090/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $255,000

3 Beds, 3 Baths 1390 sqft Seasonal Residence Constructed In 1990 with Ceramic Tile Flooring, Tile Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Central Air Conditioning, Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

65 Years old Single Male who is Retired with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $1750/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $285,000

4 Beds, 4 Baths 1640 sqft Seasonal Residence Constructed In 1995 with Ceramic Tile Flooring, Asphalt Shingles Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Indoor Sprinklers, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Married Female who has a Full Time Job with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

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

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $520/1 month for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $370,000

3 Beds, 3 Bath 2190 sqft Vacation Property Constructed In 1992 with Carpet over wood flooring, Membrane Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $1670/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $265,000

2 Beds, 2 Bath 1760 sqft Rental Property Constructed In 1998 with Wood Flooring, Membrane Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Central Air Conditioning, Fireplace, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

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 Smoker

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

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $3020/6 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $635,000

4 Beds, 4 Baths 2990 sqft Rental Property Constructed In 1977 with Stone Flooring, Shingles Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

55 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $3270/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $295,000

4 Beds, 4 Baths 2020 sqft Seasonal Residence Constructed In 1969 with Carpet Flooring, Shingles Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Fireplace, Copper Water Pipes, Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Married Male who is a Freelancer with household income of more than $150,000 and has No Pets and is a Non-Smoker

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

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $3210/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $280,000

2 Beds, 2 Bath 1380 sqft Primary Residence Constructed In 1979 with Linoleum, Composition Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Central Air Conditioning, Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Divorced Female who has a Full Time Job with household income of $75-$100,000 and has 1 Pet and is a Non-Smoker

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

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $440/1 month for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $375,000

4 Beds, 4 Bath 1820 sqft Vacation Property Constructed In 1974 with Linoleum, Shingles Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Indoor Sprinklers, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Divorced Male who is Unemployed and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $870/2 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $440,000

4 Beds, 4 Bath 2260 sqft Seasonal Residence Constructed In 1969 with Hardwood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Fireplace, Fire Extinguisher, Copper Water Pipes, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Married Female who has a Full Time Job with household income of $75-$100,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1220/3 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $465,000

4 Beds, 4 Baths 2730 sqft Seasonal Residence Constructed In 1977 with Hardwood Flooring, Composition Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Copper Water Pipes, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Married Female who is a Freelancer with household income of more than $150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Treasure Island Rates & Quotes Analysis:

Treasure Island Area Estimated House Insurance
126th Ave W, Treasure Island Cswy, W Gulf Blvd, 79th Ter, Kingfish Dr, 125th Ave, 7th St E, Sea Mist Dr, Bay Plz, Capri Cir S$1,268
Paradise Blvd, Blind Pass Dr, 127th Ave E, 88th Ave Exd, 125th Ave, 118th Ave, Yacht Club Dr, Lagoon Ln, 6th St E, Treasure Island Cswy$1,325
Sun Ketch Ct, Sun Isle Cir, Capri Blvd, Nautilus Way, 115th Ave, Capri Cir N, 126th Ave E, 120th Ave, 112th Avenue B, Tarpon Dr$1,304
1st St W, Harrell Ave, Sun Vista Ct W, 127th Ave, Dolphin Dr, 5th St E, Bounty Ct, Sunshine Ln, 122nd Ave W, Sun Vista Ct N$1,270
95th Ave, Treasure Ln, S Yacht Club Dr, 124th Ave, 80th Ter, 119th Ave, 110th Ave, 112th Avenue B, Orion Ln, 117th Ave$1,252

Insurance rates are influenced by a number of factors including:

  • Year Built: 841 Homes (14% of total) built between 1980 to 1989 in Treasure Island are paying home insurance between $1,919-$1,938 in contrast with North Redington Beach (+$157), Tierra Verde (+$16), Indian Rocks Beach (+$44), South Pasadena (-$153) and Madeira Beach (-$15).
  • Bedrooms: 1,283 1 bedroom homes (22% of total homes ) in Treasure Island are paying about $708. Areas near to Treasure Island such as St. Pete Beach, North Redington Beach, Redington Shores are costlier by $3, $58, $8 respectively whereas South Pasadena and Madeira Beach are more economical by $45, $6 respectively for similar homes.
  • Auto Insurance Bundling: 280 Households (11% of all households) in Treasure Island have 3 or more vehicles available and when it is bundled with home insurance you can save $321. Discounts for similar bundling in close by locations such as St. Pete Beach, South Pasadena, Madeira Beach come to $322, $295, $319 respectively.
  • Senior Discounts: 1,845 seniors (more than 55 years) occupied housing units (75% of total) in Treasure Island get discounts between $189 to $196. The comparative concessions in proximate regions such as St. Pete Beach, South Pasadena and Madeira Beach are $193, $177 and $191 respectively.
  • New Homes discounts: New homes such as the 1,402 homes built between 2000 to 2009 in Treasure Island can save $257 and similar new home insurance discounts in nearby towns and cities like St. Pete Beach, South Pasadena and Madeira Beach are $258, $236 and $255 respectively.

Treasure Island Homeowners insurance Facts

  • Treasure Island, FL has 2,434 owner occupied houses which is 66.9% of all units whereas St. Pete Beach, South Pasadena and Madeira Beach have 66.34%, 59.54% and 58.31% respectively.
  • Treasure Island, FL homeowners yearly insurance price at $1,286 is 0.36% of the typical house value of $360,600 which is in contrast with 0.35% in St. Pete Beach, 0.64% at South Pasadena & 0.37% in Madeira Beach.
  • Homeowners in Treasure Island, FL pay 1.91% of their income ($60,000 to $74,999) in insurance whereas homeowners in St. Pete Beach, South Pasadena and Madeira Beach pay 1.91%, 1.75% and 1.89% respectively.
  • Treasure Island, FL’s insurance is 4.2% of monthly housing costs of $2,550/month, for owners with a mortgage compared to 4.33% in St. Pete Beach, 6.65% at South Pasadena & 4.68% in Madeira Beach. But, for households without a mortgage, insurance is 13.1% of costs ($819 in Treasure Island, FL) in contrast with 13.28% in St. Pete Beach, 15.87% at South Pasadena & 14.27% in Madeira Beach.

Treasure Island, FL Home Values & Insurance rates

For example, insurance for 19 Homes (1.0% of total homes ) valued between $80,000 to $89,999 in Treasure Island, FL is about $295. Rates in nearby areas in such as Indian Rocks Beach, Anna Maria, Longboat Key are cheaper by $32, $42, $109 respectively while South Pasadena and Bear Creek are costlier by $237 and $225 respectively for similar homes.

Treasure Island, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 35 2.0% $77
$80,000 to $89,999 19 1.0% $295
$100,000 to $124,999 75 5.0% $385
$125,000 to $149,999 35 2.0% $488
$150,000 to $174,999 138 10.0% $578
$175,000 to $199,999 48 3.0% $655
$200,000 to $249,999 336 24.0% $797
$250,000 to $299,999 288 21.0% $977
$300,000 to $399,999 358 26.0% $1247

Renters Insurance in Treasure Island

  • Average Renters Insurance in Treasure Island :  $24($2/month)

  • Median Gross Rent in Treasure Island :  $1,080

  • Treasure Island Renters Insurance to Median Rent Ratio:  0.19%

  • Renter occupied housing units in Treasure Island :  1,202

Treasure Island Renters Insurance as a Percentage of Rent

Treasure Island Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 24 2.0% $1206
$500 to $749 175 16.0% $1881
$750 to $999 239 22.0% $2631
$1,000 to $1,499 343 31.0% $3756
$1,500 or more 297 27.0% $5406

Rent Affordability in Treasure Island:

Approximately 43.0% (526) of households are spending more than 35% of their income on gross rent in Treasure Island

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 96 7.0%
15.0 to 19.9 percent 58 4.0%
20.0 to 24.9 percent 209 17.0%
25.0 to 29.9 percent 92 7.0%
30.0 to 34.9 percent 221 18.0%
35.0 percent or more 526 43.0%

Treasure Island Renters Insurance Discounts:

Treasure Island Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Treasure Island, FL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 656 54.0% $2.4
2 vehicles available 381 31.0% $3.6

Treasure Island Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 170 14.0% $108
60 to 64 years 83 6.0% $86
65 to 74 years 24 1.0% $70
75 years and over 24 1.0% $54

Protective device discount in Treasure Island Up to :  $3

Claims-free discount in Treasure Island Up to :  $4