Flagler Beach Insurance Rates:

Flagler Beach, FL homeowners insurance is roughly $1,027 to $1,404, about $85-$117/month. Our extensive guide reveals consumers can save as much as $486 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
The pricing on the plans are more affordable compared to other insurance companies. they also have a good range of coverage to fit everyone's need.
Allstate
They did not carry vacant home insurance when we needed it, so wee had to go with a more expensive company.
Safeco Insurance
I can also recommend their rental insurance. i have been a customer of their rental insurance for a number of years now and i have been entirely satisfied with their ability to easily handle all of my needs.
Security First Home Insurance
There wasn't a lot of companies to choose from in that particular area so we chose security first based on their service as well as the premium which in Florida, we thought was fair.
Tower Hill Insurance
Our premium is very comparable to other companies. When we first moved in it was hard to find real quotes from companies since we were a new construction house.
Farmer's Insurance
Overall the company has been easy to deal with and provided a great premium. I have not had to file a claim however so I am unsure as to how quick they would be to respond and how much they would actually cover.
State Farm
They are very informative at times, but they still make me think that I am a stranger and not someone who has been a customer for so very long.
Usaa
I like the fact that if I do not understand the info on the website, I can actually call the company. I also like the fact that there is a password recovery system. The site is pretty easy to navigate.

Flagler Beach, FL Homeowners Insurance By Home Value

Flagler Beach, FL Home Value Total Homes % of Total Average Flagler Beach, FL Homeowners Insurance
Less than $50,000 310 3.0% $121
$70,000 to $79,999 135 1.0% $364
$80,000 to $89,999 147 1.0% $425
$90,000 to $99,999 383 4.0% $474
$100,000 to $124,999 819 9.0% $547
$125,000 to $149,999 801 9.0% $680
$150,000 to $174,999 755 9.0% $814
$175,000 to $199,999 860 10.0% $936
$200,000 to $249,999 1,306 15.0% $1130
$250,000 to $299,999 1,179 14.0% $1374
$300,000 to $399,999 1,516 18.0% $1751

Top Home Insurance Agents Near Flagler Beach, FL

Home Insurance Company Near Flagler Beach, FL Homeowners Insurance Agency Near Flagler Beach, FL Address
NA Mark B Kennedy Insurance 30 Faulkner St , New Smyrna Beach, FL, 32168
NA Brightway Insurance, Inc. 55 Plaza Dr. Ste 5 Palm Coast, Palm Coast, FL, 32137
Allstate Flagler Cnty Plm Cst 12 Office Park Dr, Palm Coast, FL, 32137
Travelers Hayward Brown Flagler Inc 3200 E Moody Blvd, Bunnell, FL, 32110
Travelers Town And Country Insurance Agency Inc 1525 HERBERT ST STE 106, PORT ORANGE, FL, 32129

Cost Of Homeowners Insurance By Street Near Flagler Beach, FL

Streets in Flagler Beach Area Homeowners Insurance Cost
Viscaya Ln, 11th St S, Falls Pl, Forest Grove Dr, Knox St, Whitehall Ct, Blackwell Pl, Covington Ln, Fallen Oak Ln, Fallen Oak Ln$1,179
19th St S, Midden Ln, Craft Ct, S Central Ave, N Daytona Ave, Bryan St, Fairchild Ln, Lakeshore Dr, Claridge Ct N, Fifer Ln$1,228
Lambert Ave, Clementon Ln, Fircrest Ln, Fernham Ln, 7th St S, Silver Moon Rd, Via Salerno, N 4th St, Clementina Ct, Florida Park Dr S$1,240
Sabal Bend, Forest Hill Dr, Players Cir, Ferngate Ln, Blaine Dr, Fitzgerald Ln, Cooper Ln, Maple St, Colechester Ln, Fairways Cir$1,230
Eastlake Dr, Bulow Woods Cir, Cam del Mar, Central Pl, Front St, Lambert Cove, la Costa Pl, Clearview Ct S, Cris Ln, Old Kings Rd N$1,228

Flagler Beach, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Flagler Beach$181 to $183
Beverly Beach$172
Palm Coast$176
Bunnell$175

Flagler 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
Beverly Beach town, Florida $173 $230 $345
Palm Coast city, Florida $176 $235 $353
Flagler County, Florida $176 $235 $353

Flagler 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
Flagler Beach, FL5.8%19.7%
Beverly Beach7.06%25.42%
Palm Coast6.87%23.09%
Flagler County6.73%22.69%

Flagler Beach Renters Insurance as a Percentage of Rent

Flagler Beach Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 23 1.0% $1225
$500 to $749 310 15.0% $1900
$750 to $999 680 34.0% $2650
$1,000 to $1,499 646 32.0% $3775
$1,500 or more 303 15.0% $5425

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Auto Club Insurance $2,047
150,000 27 NO First Community Insurance $1,745
150,000 27 NO Liberty Mutual Fire Insurance $2,264
150,000 27 NO Tower Hill Preferred Insurance $1,455
150,000 27 NO Universal Insurance $1,548
150,000 27 YES Castle Key Indemnity Company Insurance $1,344
150,000 27 YES Florida Family Insurance $1,074
150,000 27 YES Safeway Property Insurance $1,223
150,000 27 YES Security First Insurance $757
150,000 27 YES Southern Oak Insurance $1,128
150,000 27 YES St. Johns Insurance $908
150,000 27 YES Tower Hill Select Insurance $1,039
150,000 27 YES Universal Insurance $695
150,000 27 YES Universal Property & Casualty Insurance $998
300,000 12 NA American Traditions Insurance $1,364
300,000 12 NA Federated National Insurance $1,593
300,000 12 NA Florida Farm Bureau Casualty Insurance $1,400
300,000 12 NA Liberty Mutual Fire Insurance $3,287
300,000 12 NA State Farm Florida Insurance $2,337
300,000 12 NA Tower Hill Preferred Insurance $1,241

Flagler Beach, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$5,900
Yearly Flagler Beach Homeowner Insurance Premium Example $4,600$3,800
Out of Pocket Expense During Claim$1,900$5,900
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $29,500$28,700
Net Savings to Flagler Beach Home Owner from High Deductible Plan $800

Flagler Beach, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Flagler Beach, FL Home Replacement Value MORE than Home Value Flagler Beach, FL Home Replacement Value LESS than Home Value
Replacement Value $180,000 $117,000
Insurance Premium based on Replacement Value $4,175 $2,725
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $41,000 Risk Exposure from Under Insuring Coverage is $22,000
Premium Impact Insurance cheaper by $500/year Insurance costlier by $950/year

Example Flagler Beach Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersChubb Group of InsuranceAllstate
Monthly Premium 221375336
Year Built 199320072011
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $175000-$200000$300000-$350000$200000-$250000
Deductible $1000-$2500 Deductible$5000 to $10,000 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Flagler 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
1982 315,000 Tile Roof 2,640 5 > $10,000 Deductible 2070 6 Wood siding yes
1995 505,000 Composition Roof 3,980 5 > $10,000 Deductible 4250 9 Wood siding No
2012 290,000 Slate Shingles Roof 2,130 5 > $10,000 Deductible 2330 9 Wood siding No
1996 225,000 Slate Shingles Roof 2,120 3 $1000-$2500 Deductible 3060 9 Fiber-Cement Siding yes
2012 340,000 Slate Shingles Roof 2,330 3 $2500-$5000 Deductible 2850 8 Wood siding yes
1995 350,000 Metal Roof 2,410 4 $5000 to $10,000 Deductible 5020 9 Vinyl siding yes
2004 220,000 Metal Roof 1,560 3 $1000-$2500 Deductible 1000 4 Brick siding No
1981 255,000 Shingles Roof 2,420 5 $2500-$5000 Deductible 920 3 Fiber-Cement Siding No
1989 325,000 Tile Roof 2,360 3 $5000 to $10,000 Deductible 330 1 Stone Siding yes
2008 325,000 Wood Shake Roof 2,890 4 $500 Deductible 1700 3 Stone Siding No
2002 375,000 Membrane Roof 2,420 4 > $10,000 Deductible 2570 8 Stone Siding No
2007 595,000 Tile Roof 4,010 5 $500- $1000 Deductible 10440 9 Stucco siding No
1994 175,000 Asphalt Shingles Roof 1,360 3 $2500-$5000 Deductible 1740 8 Stucco siding yes
2014 210,000 Membrane Roof 1,850 3 $2500-$5000 Deductible 960 4 Fiber-Cement Siding No
1995 245,000 Tile Roof 1,810 3 $1000-$2500 Deductible 650 2 Wood siding yes
1994 230,000 Composition Roof 2,190 4 $500- $1000 Deductible 690 2 Stone Siding yes
2006 375,000 Asphalt Shingles Roof 2,890 4 $500 Deductible 660 1 Vinyl siding No
2012 255,000 Shingles Roof 1,810 3 $5000 to $10,000 Deductible 1130 6 Vinyl siding yes
1997 260,000 Composition Roof 2,070 3 > $10,000 Deductible 2090 9 Stone Siding No
2007 420,000 Tile Roof 3,030 5 $2500-$5000 Deductible 2500 4 Stucco siding yes
1993 205,000 Wood Shake Roof 1,720 4 $1000-$2500 Deductible 350 1 Stucco siding No
2004 635,000 Shingles Roof 4,710 5 $1000-$2500 Deductible 8240 9 Vinyl siding yes
1994 320,000 Composition Roof 2,550 4 > $10,000 Deductible 2220 6 Fiber-Cement Siding yes
1991 385,000 Composition Roof 2,840 4 $5000 to $10,000 Deductible 1680 6 Stucco siding yes
1987 255,000 Slate Shingles Roof 1,850 4 $500 Deductible 720 2 Stone Siding yes
1992 470,000 Composition Roof 3,170 4 $500 Deductible 4520 6 Wood siding No