Fernandina Beach Insurance Rates:

Fernandina Beach, FL homeowners insurance is about $1,049 to $1,444, about $87-$120/month. Our complete research shows customers can save upto $498 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Traveler's
Representatives are very easy to talk to. they gave me a break down of premiums and coverages with no hassle and did not try to push anything on me. made sure i had coverage that i needed when moving out of state and dropped coverages that i no longer needed.
Usaa
I do not like that they do not have brick and mortar stores. if i did have any confusions they would not be available for me to come to the store.
Allstate
I like allstate insurance because i am able to bundle my insurance and get an even greater discount than i would if i purchased everything separately.

Fernandina Beach, FL Homeowners Insurance By Home Value

Fernandina Beach, FL Home Value Total Homes % of Total Average Fernandina Beach, FL 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

Top Home Insurance Agents Near Fernandina Beach, FL

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

Cost Of Homeowners Insurance By Street Near Fernandina Beach, FL

Streets in Fernandina Beach Area Homeowners Insurance Cost
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 Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Fernandina Beach$184 to $189
Yulee$177
Jacksonville North$175
St. Marys$136

Fernandina Beach, 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
Yulee CCD, Nassau County, Florida $177 $236 $354
Jacksonville North CCD, Duval County, Florida $175 $233 $350
St. Marys CCD, Camden County, Georgia $137 $182 $273

Fernandina Beach, 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
Fernandina Beach, FL5.5%15.6%
Yulee6.57%28.1%
Jacksonville North6.11%24.54%
St. Marys4.8%17.27%

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

Average Cost Of Home Insurance By Company In Areas Nearby Fernandina Beach For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO American Integrity Insurance $1,946
150,000 27 NO American Traditions Insurance $1,693
150,000 27 NO First Community Insurance $1,403
150,000 27 NO Safeway Property Insurance $1,777
150,000 27 YES American Integrity Insurance $1,207
150,000 27 YES Asi Preferred Insurance $1,158
150,000 27 YES Florida Farm Bureau Casualty Insurance $686
150,000 27 YES Liberty Mutual Fire Insurance $1,453
150,000 27 YES Security First Insurance $1,031
150,000 27 YES Southern Fidelity Insurance $821
150,000 27 YES State Farm Florida Insurance $1,433
150,000 27 YES Stillwater Property And Casualty Insurance $874
150,000 27 YES Tower Hill Preferred Insurance $855
150,000 27 YES Universal Insurance $1,042
300,000 12 NA Auto Club Insurance $1,681
300,000 12 NA St. Johns Insurance $1,205
300,000 12 NA State Farm Florida Insurance $2,398
300,000 12 NA Tower Hill Preferred Insurance $1,258
300,000 12 NA Tower Hill Select Insurance $984
300,000 12 NA United Property & Casualty Insurance $1,218

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

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

Sample Home Insurance Rates for Fernandina Beach, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2014 350,000 Composition Roof 1,930 3 $1000-$2500 Deductible 1980 4 Wood siding yes
1995 245,000 Tile Roof 1,540 5 $500- $1000 Deductible 2790 8 Wood siding yes
2000 410,000 Shingles Roof 3,330 4 > $10,000 Deductible 560 2 Wood siding No
2010 215,000 Composition Roof 1,450 3 $1000-$2500 Deductible 320 1 Fiber-Cement Siding No
1993 350,000 Asphalt Shingles Roof 2,720 5 > $10,000 Deductible 980 4 Fiber-Cement Siding No
2006 530,000 Tile Roof 3,140 4 $1000-$2500 Deductible 7180 8 Wood siding No
2014 645,000 Tile Roof 3,710 5 $5000 to $10,000 Deductible 5010 7 Vinyl siding yes
2011 260,000 Wood Shake Roof 1,780 4 $5000 to $10,000 Deductible 260 1 Stone Siding yes
1993 515,000 Shingles Roof 3,170 5 $500 Deductible 5970 8 Fiber-Cement Siding yes
1987 350,000 Composition Roof 2,300 3 $1000-$2500 Deductible 2340 4 Brick siding No
1985 190,000 Composition Roof 1,430 3 $2500-$5000 Deductible 330 1 Vinyl siding No
2001 485,000 Membrane Roof 3,210 5 $500- $1000 Deductible 6530 9 Vinyl siding No
1982 330,000 Tile Roof 2,530 5 $500- $1000 Deductible 4340 12 Vinyl siding No