Crystal River Insurance Rates:

Crystal River, FL homeowners insurance is approximately $978 to $1,330, about $81-$110/month. Our complete research reveals consumers can save upto $461 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Usaa
The premium and deductible is comparable to other home insurance policies that i have checked around from other companies. I would not hold this in high regard to make my decision.
Assurant Specialty Property
I would totally recommend them to people who already have Geico as the car insurer. But if you do not, and can't leverage an Assurant policy into a lower car insurance rate, maybe you would want to look elsewhere.
Progressive
The insurance company has provided a lot of help and relief during this hurricane season. they have helped take the stress out of a normally stressful time.
Allstate
I also, don't care for the fact that the fees to pay in installments are a little steep and think they could be lowered.
State Farm
State farm's rates for car and home insurance are competitive with other insurers and the value for what you pay is superior.
Florida 1st Insurance
I rarely use the website because I have not made any claims. I have used it a couple of times to review my policy. It was easy to use and got me the information I needed.
Usaa
The website is very user-friendly. It is divided into very obvious sections so that it is very easy to navigate and find exactly what you are looking for.
Usaa
I think that instead of always bundling for more money, there should be ways to save instead of always ratcheting up the prices.
Usaa
USAA is very responsive. They move very quickly to get you established with service and also whenever there is a change in location. I have moved several times because of my job, USAA has always been able to quickly switch my coverage from state to state right over the phone and my new insurance cards were available instantly.
Citizens Property Insurance
Premium is high and so is deductible. It is not good but very hard to get good choices in an area that gets hurricanes.
Progressive
I would recommend this company. They are not hard to get on the phone, offer good service, and their price point is good. They make it easy to bundle my insurance, which I appreciate.
Geico
I would recommend this company because I have had a good experience with their customer service and the premium seems to be competitive.

Crystal River, FL Homeowners Insurance By Home Value

Crystal River, FL Home Value Total Homes % of Total Average Crystal River, FL Homeowners Insurance
Less than $50,000 3,061 12.0% $207
$50,000 to $59,999 1,309 5.0% $426
$60,000 to $69,999 1,152 4.0% $530
$70,000 to $79,999 1,273 5.0% $623
$80,000 to $89,999 1,177 4.0% $703
$90,000 to $99,999 1,110 4.0% $784
$100,000 to $124,999 2,434 10.0% $911
$125,000 to $149,999 2,096 8.0% $1142
$150,000 to $174,999 2,482 10.0% $1350
$175,000 to $199,999 1,266 5.0% $1557
$200,000 to $249,999 2,652 11.0% $1869
$250,000 to $299,999 1,943 8.0% $2296
$300,000 to $399,999 1,767 7.0% $2908

Top Home Insurance Agents Near Crystal River, FL

Home Insurance Company Near Crystal River, FL Homeowners Insurance Agency Near Crystal River, FL Address
NA South Marion Insurance Agency 5713 Se Abshier Blvd, Belleview, FL, 34420
Travelers Brightway Insurance 10710 Sr 54 Ste 102 Trinity, New Port Richey, FL, 34655
Allstate Jason Aldrich 10004 Cortez Blvd, Spring Hill, FL, 34613
Allstate Kevin W Mcdonald 17350 SE 109th Terrace Rd Unit 5, Summerfield, FL, 34491
Allstate West Cst Crstal Rvr 104 Se 7th Ave, Crystal River, FL, 34429

Crystal River, FL Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Crystal River, FL

Streets in Crystal River Area Homeowners Insurance Cost
N Knoll Rd, N Flagstaff Ave, W Berrigan Ct, S Canadian Way, Gibralter Rd, W Ranch Dr, S Palmer Ave, W Missy Pl, W Camino Ln, N Silk Ter$1,144
W Costello Ln, US Hwy 98, S Hatteray Pt, N Hasting Dr, S Nutshell Ter, W Destiny Ln, Honeyhill Ln, W Grecian Dr, S Acree Pt, W Mistflower Pl$1,119
West Virginia St, N Van Nortwick Rd, Sandpine Ct W, N Butternut Ave, N Ensign Pt, W Poplar Springs Cir, W Customer Ct, W Starlite Path, N Bladle Way, N Sierra Ter$1,150
Dogwood Dr, W Crosbeck Ct, W Oak St, Mangrove Ct W, W Cherub Ct, N Lupi Pt, W Lightbody Ct, W Woodside Cir, S Riverside Dr, S Kindness Ter$1,123
W Mau Pas Path, Smilax Ct S, S Willow Ter, W Huntington Dr, N Quarry Way, N Sonnet Ter, N Sacramento Ave, S Iroquois Ave, S Portland Ter, W Ozello Trl$1,128
N Heart Path, S Lookout Pt, Hazelwood Dr, N Foxdale Dr, SE 12th Ave, N Keystone Dr, W Stockel Ct, N Airmont Dr, W Sunview Ln, N Himalayas Pt$1,232
N Fairchild Ter, N Caddy Way, N Flame Vine Way, W Ivorywood Dr, N Selkirk Pt, N Hammond Way, W Sovereign Path, W Heronsbill Ln, Euphoria Ct, W Ridge Ct$1,146
S Candycane Dr, S Jeffrey Pt, S Nine Lake Loop, W Parnell Ter, N Mojave Ter, N Peardale Ter, N Orva Dr, Donavon St, N Cedarhouse Ter, S Devon Ter$1,145
W Burgandy Dr, S Falstaff Pt, N Danube Loop, Longfellow St, N Statue Pt, W Nadel Dr, W Fair Acres Pl, N Kildare Ter, W Inspiration Ct, N Bernzott Pt$1,232
S Skylark Ter, N Chelic Dr, W Sunnycrest Ln, N Family Pt, S Sandspur Pt, State Hwy 490A, N Stirrup Dr, W Fisherman Ln, S Trellis Dr, W Barlow Pl$1,116

Crystal River, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Crystal River$172 to $175
Homosassa$184
Citrus County$172
Homosassa Springs$168

Crystal River, 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
Homosassa CDP, Florida $185 $246 $369
Citrus County, Florida $172 $229 $344
Homosassa Springs CDP, Florida $168 $224 $336

Crystal River, 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
Crystal River, FL8.4%25.2%
Homosassa5.87%18.12%
Citrus County8.53%27.39%
Homosassa Springs10.53%36.75%

Crystal River Renters Insurance as a Percentage of Rent

Crystal River Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 147 3.0% $791
$300 to $499 410 10.0% $1241
$500 to $749 1,069 26.0% $1916
$750 to $999 1,292 32.0% $2666
$1,000 to $1,499 890 22.0% $3791
$1,500 or more 156 3.0% $5441

Average Cost Of Home Insurance By Company In Areas Nearby Crystal River For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO American Traditions Insurance $2,518
150,000 27 NO Citizens Property Insurance $1,479
150,000 27 NO First Protective Insurance $1,840
150,000 27 NO Florida Peninsula Insurance $2,203
150,000 27 NO Liberty Mutual Fire Insurance $3,135
150,000 27 NO Southern Fidelity Insurance $1,577
150,000 27 NO Tower Hill Prime Insurance $1,725
150,000 27 NO Universal Insurance $3,072
150,000 27 YES State Farm Florida Insurance $2,411
150,000 27 YES Tower Hill Prime Insurance $1,123
300,000 12 NA Asi Preferred Insurance $2,346
300,000 12 NA Auto Club Insurance $7,412
300,000 12 NA Citizens Property Insurance $1,792
300,000 12 NA First Protective Insurance $1,894
300,000 12 NA Safeway Property Insurance $2,074
300,000 12 NA Tower Hill Preferred Insurance $1,352
300,000 12 NA Tower Hill Signature Insurance $2,960

Crystal River, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$3,500
Yearly Crystal River Homeowner Insurance Premium Example $2,600$2,100
Out of Pocket Expense During Claim$500$3,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $21,300$20,300
Net Savings to Crystal River Home Owner from High Deductible Plan $1,000

Crystal River, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Crystal River, FL Home Replacement Value MORE than Home Value Crystal River, FL Home Replacement Value LESS than Home Value
Replacement Value $288,000 $213,000
Insurance Premium based on Replacement Value $4,725 $3,500
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $46,500 Risk Exposure from Under Insuring Coverage is $28,500
Premium Impact Insurance cheaper by $475/year Insurance costlier by $750/year

Example Crystal River Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceLiberty MutualAllstate
Monthly Premium 126198148
Year Built 198020101992
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths3 Beds, 2 Baths
Coverage Amount $75000-$100000$125000-$150000$100000-$125000
Deductible $500- $1000 Deductible$2500-$5000 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Crystal River, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2011 260,000 Slate Shingles Roof 3,040 4 $2500-$5000 Deductible 850 2 Vinyl siding No
1997 180,000 Metal Roof 2,460 4 $5000 to $10,000 Deductible 1430 8 Brick siding yes
1984 120,000 Wood Shake Roof 1,210 3 $500- $1000 Deductible 1580 8 Wood siding No
2011 145,000 Tile Roof 1,970 4 $500- $1000 Deductible 2390 10 Vinyl siding No
1996 95,000 Tile Roof 1,350 3 $500- $1000 Deductible 1450 7 Vinyl siding yes
1985 165,000 Wood Shake Roof 1,630 4 $1000-$2500 Deductible 1820 8 Vinyl siding No
1980 305,000 Shingles Roof 2,950 4 $2500-$5000 Deductible 1520 5 Wood siding No
2000 215,000 Wood Shake Roof 2,320 3 $500 Deductible 710 2 Vinyl siding No
1982 160,000 Membrane Roof 2,170 3 $500- $1000 Deductible 600 3 Stone Siding No
2012 200,000 Composition Roof 2,070 3 > $10,000 Deductible 1620 10 Wood siding No
2003 315,000 Membrane Roof 3,180 4 $500- $1000 Deductible 2020 6 Brick siding No
2013 225,000 Membrane Roof 2,400 3 $500- $1000 Deductible 3540 10 Stone Siding No
2012 140,000 Tile Roof 1,650 4 $1000-$2500 Deductible 200 1 Brick siding No
1981 215,000 Shingles Roof 3,050 4 $1000-$2500 Deductible 530 2 Stone Siding No
2008 285,000 Asphalt Shingles Roof 2,920 4 $500- $1000 Deductible 3480 10 Brick siding No
1981 205,000 Asphalt Shingles Roof 2,260 3 > $10,000 Deductible 2050 12 Stone Siding No
1984 125,000 Tile Roof 1,410 3 $500 Deductible 990 6 Stone Siding yes
1992 260,000 Tile Roof 3,100 4 $5000 to $10,000 Deductible 300 1 Fiber-Cement Siding No
2009 205,000 Shingles Roof 2,380 4 $500- $1000 Deductible 2020 6 Wood siding No
2006 200,000 Asphalt Shingles Roof 2,000 3 $500- $1000 Deductible 1970 6 Wood siding yes
1993 170,000 Membrane Roof 1,870 3 $1000-$2500 Deductible 1190 5 Stone Siding No
1992 175,000 Composition Roof 2,230 3 $5000 to $10,000 Deductible 1590 6 Vinyl siding No
2002 105,000 Shingles Roof 1,310 3 $500 Deductible 160 1 Fiber-Cement Siding No
1998 200,000 Asphalt Shingles Roof 2,310 3 $500 Deductible 3010 8 Stone Siding No
1984 165,000 Tile Roof 2,200 4 $500 Deductible 2470 10 Stucco siding yes
2008 205,000 Wood Shake Roof 2,230 3 $5000 to $10,000 Deductible 3180 12 Wood siding yes
1987 230,000 Asphalt Shingles Roof 2,350 3 $500 Deductible 4380 12 Fiber-Cement Siding No
1996 180,000 Asphalt Shingles Roof 1,930 4 $1000-$2500 Deductible 1960 9 Vinyl siding yes
1999 245,000 Tile Roof 2,490 4 $500- $1000 Deductible 3790 8 Vinyl siding yes
2012 175,000 Slate Shingles Roof 2,110 4 $1000-$2500 Deductible 3070 10 Stone Siding No
1982 120,000 Slate Shingles Roof 1,390 3 $500- $1000 Deductible 1830 9 Vinyl siding No
2004 205,000 Shingles Roof 2,600 4 $1000-$2500 Deductible 3140 10 Wood siding yes
2014 220,000 Tile Roof 2,790 4 $500 Deductible 2060 5 Fiber-Cement Siding No
1984 145,000 Membrane Roof 2,120 4 $500- $1000 Deductible 430 2 Vinyl siding yes

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