Bay County Insurance Rates:

Bay County, FL homeowners insurance is nearly $992 to $1,346, about $82-$112/month. Our comprehensive guide shows customers can save upto $467 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
The company's insurance product prices are little high though, i afford since the kind of service they provide is good
State Farm
My insurance company is constantly making mistakes. i am always having to call in to get them to correct stuff that they have got wrong.
Geico
They are very good at customer service both over the phone and through emails. they also have very good service times.
Travelers
The app is very user friendly, as is the website. It’s easy to understand and to navigate without much learning curve.
Universal Property & Casualty Insurance Company
I recently switched to this company from another insurer. I now get much better coverage at a lesser premium and deductible. I also have learned that this company has a higher customer rating versus the previous insurer I was with.
Stillwater Insurance Group
I love this company because they are helpful, reasonably priced, and I can bundle with my auto insurance. I have never had to file a claim so I cannot speak to how something like that would be handled.
Assurant Specialty Property
They have very reasonable rates to begin with. We had a water damage claim and it was handled immediately and professionally. The agent assigned to our case was always available for any concerns we had.
Usaa
I think our premium is a good price. We also get a discount if we pay ahead for 6 months or annually. I love that my insurance provider offers this.
Geico
The premium that I paid was in line with the other companies for which I received quotes for. This was a good combination of value and price and I decided to go with Geico.
Liberty Mutual
I haven't spoken with customer service since I purchased years ago. I haven't had a reason to, I have only responded to an email about getting rid of paper statements.
Usaa
I do not like the customer service, although they have improved a lot. I would also very much like to attend more to my needs
Liberty Mutual
I feel that their premiums have gotten much too high, they don't offer very good discounts, and they take too long to process claim payments.
Usaa
I don't really dislike them, I have heard that after the first claim and payout, they are likely to drop you as a customer, and I think that's pretty horrible for a company to do that to someone who has been paying premiums. After all, that's what insurance is for.
People's Trust Insurance
I am satisfied with them because for me the price is right. Their customer service is great as well which is a plus in my book. I have used them for 5 years now and feel like I will continue to use them.
Allstate
I like absolutely everything from the company starting with the customer service, the complaint area etc ... I feel that everyone does a very good job
Usaa
I have been dealing with this company for a long time, including before home insurance. I have been using them with car insurance as well as renters prior to this and I will never change companies. I know they are superior even if their premium is a little higher than the competition.

Bay County, FL Homeowners Insurance By Home Value

Bay County, FL Home Value Total Homes % of Total Average Bay County, FL Homeowners Insurance
Less than $50,000 3,609 8.0% $175
$50,000 to $59,999 1,008 2.0% $374
$60,000 to $69,999 998 2.0% $455
$70,000 to $79,999 1,640 4.0% $537
$80,000 to $89,999 2,404 5.0% $607
$90,000 to $99,999 1,501 3.0% $678
$100,000 to $124,999 4,530 11.0% $783
$125,000 to $149,999 3,571 8.0% $981
$150,000 to $174,999 5,210 12.0% $1157
$175,000 to $199,999 3,233 7.0% $1344
$200,000 to $249,999 5,470 13.0% $1613
$250,000 to $299,999 3,843 9.0% $1975
$300,000 to $399,999 3,401 8.0% $2501

Top Home Insurance Agents Near Bay County, FL

Home Insurance Company Near Bay County, FL Homeowners Insurance Agency Near Bay County, FL Address
NA Inner Harbour Insurance Of Florida 36474A Emerald Coast Pkwy Bldg A Ste 1201, Destin, FL, 32541
NA Durant Insurance Inc 507 S Waukesha St, Bonifay, FL, 32425
Travelers Brightway Insurance Inc 4507 FURLING LN STE 103, DESTIN, FL, 32541
Travelers Brown & Brown Of Fl Inc-Panama City 647 LUVERNE AVE, PANAMA CITY, FL, 32401
Travelers Sims Insurance Agency 410 N Waukesha St, Bonifay, FL, 32425

Cost Of Homeowners Insurance By Street Near Bay County, FL

Streets in Bay County Area Homeowners Insurance Cost
Arrowhead Blvd, Suwannee Ave, E 2nd Ct, Natalie St, Washington St, 29th St, Oak Ave, N Star Ave, Kraft Ave, Bayview Ave$1,213
Huff St, Hogan St, Grand Bay Blvd, College Oaks Ln, Massachusetts St, E Lakeshore Dr, Flower Ave, 1st Plz, Watermark Way, N Bay Dr$1,197
Park Ave, Ashlee Way, N Center Ave, Westchester Dr, Rigsby Ln, E 2nd Plz, S Lakeview Dr, St Andrews Blvd, Irwin Ave, Laurel St$1,118
Duval Ave, Newberry Rd, Flower Ave, Bonaire Dr, Pembroke Ln, Wedgewood Ln, Emory Ln, Banyan St, Smugglers Cove Ct, Tech Dr$1,197
Stewart Dr, Oakshore Dr, Bollinger Rd, Silverleaf Ave, Pippin Rd, E 2nd Pl, E 34th Pl, Deerwood Rd, Belgrade Ave, Tara Ln$1,174
Turner Wood Ln, S Lagoon Dr, Bass Warren Dr, E 25th Plz, Segrest Ct, Sea Oats Dr, E el Centro Blvd, Robin Ln, Gainous Rd, E Park Rd$1,160
Palermo Rd, W 22nd St, Velma Ave, Harvard Blvd, Game Farm Rd, Hale Ave, Pattho Ln, Sutherland Plz, Lark Ln, Laux Dr$1,137
Utes St, French Lane Dr, Harlem Ave, Dunnett Ct, Beach Blvd, Whitehead Blvd, Vista Ln, E Baldwin Rd, Parker Pkwy, Bozy Dr$1,143
Little Dirt Rd, Mockingbird Rd, Summerwood Dr, Flowers Dr, George C Wallace Blvd, Le Grand Dr, S Silver Lake Rd, E Ohenry Dr, Pisa Dr, Harlow Ln$1,137
la Fontaine, Amherst Rd, Sanctuary Dr, John Pitts Rd, Oxford, April Ave, Stephen Dr, Hibiscus Ave, Wildwood Rd, Oak St$1,116

Bay County, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Bay County$175 to $177
Cedar Grove$168
Lynn Haven$176
Springfield$171

Bay County, FL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Cedar Grove CDP, Florida $169 $225 $338
Lynn Haven CCD, Bay County, Florida $176 $235 $353
Springfield city, Florida $171 $228 $342

Bay County, FL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Bay County, FL7.0%24.5%
Cedar Grove7.42%24.82%
Lynn Haven6.5%23.71%
Springfield8.34%26.36%

Bay County Renters Insurance as a Percentage of Rent

Bay County Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 299 1.0% $787
$300 to $499 1,151 4.0% $1237
$500 to $749 4,612 19.0% $1912
$750 to $999 7,578 32.0% $2662
$1,000 to $1,499 7,453 31.0% $3787
$1,500 or more 2,146 9.0% $5437

Average Cost Of Home Insurance By Company In Areas Nearby Bay County For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Asi Preferred Insurance $2,592
150,000 27 NO Southern Oak Insurance $2,881
150,000 27 NO Tower Hill Preferred Insurance $3,057
150,000 27 NO United Property & Casualty Insurance $2,865
150,000 27 NO Universal Property & Casualty Insurance $2,581
150,000 27 YES Castle Key Indemnity Company Insurance $1,526
150,000 27 YES First Protective Insurance $838
150,000 27 YES Florida Family Insurance $1,683
150,000 27 YES Florida Farm Bureau Casualty Insurance $1,242
150,000 27 YES Stillwater Property And Casualty Insurance $1,324
150,000 27 YES Universal Insurance $1,391
150,000 27 YES Universal Property & Casualty Insurance $1,172
300,000 12 NA American Integrity Insurance $2,250
300,000 12 NA Castle Key Indemnity Company Insurance $2,629
300,000 12 NA First Community Insurance $3,000
300,000 12 NA First Protective Insurance $1,661
300,000 12 NA St. Johns Insurance $2,921
300,000 12 NA Universal Insurance $2,540
300,000 12 NA Universal Property & Casualty Insurance $2,288