Fruit Cove Insurance Rates:

Fruit Cove, FL homeowners insurance is about $1,060 to $1,447, about $88-$120/month. Our all inclusive analysis indicates shoppers can save upto $501 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
I would recommend State Farm insurance for home and car insurance. They are very easy to work with and have great rates that compare to others.
State Farm
I would rate service at a 5.State Farm has always been good to me. We recently had an issue where I needed to file a claim and they were responsive and helpful and were with me every step of the way in the process.
Metlife
I love the agent that we dealt with, was a very close friend of ours. we did our due diligence with price comparison and nothing else compared. i always love to give a friend some business. good for the relationship.
Farmer's Insurance
Farmers send me a lot of email reminders for products and services i don't need nor do i intend on ever purchasing.
State Farm
I like my home owners insurance policy because the company is very easy to work with. if i ever have a question, they answer the phone promptly and have provided good customer service.
Usaa
I think my premium is probably too high and too complicated to compare.
Safeco Insurance
I like that Safe Co gave me a great premium and when I bundled my car, I got even a better deal. The coverage was a few dollars more on the car, but the coverage was a lot more too. I paid late once too by accident and it was no problem.
Safeco Insurance
I changed from AAA to Safeco several years ago because I was offered a much lower premium. My premium has remained pretty stable throughout the years.
State Farm
I have not experienced issues so far and find my payments simple. In addition, I feel reasonably confident about them meeting my future needs and secure in my policy.
Usaa
We have insurance on our home in LA and GA. We dropped Allstate because they didn't offer wind/tornado damage on our home in LA. USAA did offer it but of course at a much higher rate.

Fruit Cove, FL Homeowners Insurance By Home Value

Fruit Cove, FL Home Value Total Homes % of Total Average Fruit Cove, FL Homeowners Insurance
Less than $50,000 131 1.0% $100
$100,000 to $124,999 326 3.0% $451
$125,000 to $149,999 238 2.0% $563
$150,000 to $174,999 375 4.0% $664
$175,000 to $199,999 706 8.0% $764
$200,000 to $249,999 1,682 20.0% $914
$250,000 to $299,999 1,684 20.0% $1127
$300,000 to $399,999 3,027 36.0% $1428

Top Home Insurance Agents Near Fruit Cove, FL

Home Insurance Company Near Fruit Cove, FL Homeowners Insurance Agency Near Fruit Cove, FL Address
NA Crystal Pittman Insurance Agency 57 Powder Horn Rd. Saint Mary'S, St Marys, GA, 31558
NA Hall Insurance Services, Inc. 4751 E Moody Blvd Ste 1C, Bunnell, FL, 32110
Travelers Brightway Insurance 5000 Us Hwy 17 Ste 19 , Fleming Island, FL, 32003
State Farm Debra Braddock 9310 Old Kings Rd S Ste 1901, Jacksonville, FL, 32257-8101
State Farm Parvez Sahotra 3267 Hodges Blvd, Jacksonville, FL, 32224

Fruit Cove, FL Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Fruit Cove, FL

Streets in Fruit Cove Area Homeowners Insurance Cost
Lochamy Ln, W Pleasant Pl, Avondale Pl, Edgewater Dr, Executive Cove Dr, Oak Cove Ct, Grove Bluff Cir N, Foxhunt Trl, Cloudberry Branch Way, Sparrow Branch Cir$1,267
Grove Parke Ct, Lotus Ln S, Pratt Pl, Grape Ln, Bittersweet Branch Ct, Flower of Scotland Ave, Orangewood Rd, Nottingham Forest Cir, Pinewood Ct, Fruit Cove Rd$1,243
Loveland Pl, Rear Admiral Ln, Middle Branch Way, Beaumont St, Spring Branch Rd, Lande Ln, Honeysuckle Dr, Crane Ct, Cullaig Ct, N Lilac Loop$1,274
Hummingbird Ct, Carolina Jasmine Ln, Catalpa Ct, Fairfax Ct N, Sweetbay Ct, N Bridgestone Ave, Sailview Rd, Tatum Trce, Jody Ct, Wilshire Ct S$1,277
Westwood Dr, Autumnbrook Ln, Jessica Way, Haida Ct, E Betony Branch Way, Stonewell Dr, Crystal Ct, Shetland Dr, Estate Way, Wedgewood Rd$1,272

Fruit Cove, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Fruit Cove$187 to $189
Fleming Island$182
Orange Park$176
World Golf Village$180

Fruit Cove, 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
Fleming Island CDP, Florida $152 $203 $304
Orange Park CCD, Clay County, Florida $147 $196 $294
World Golf Village CDP, Florida $151 $201 $301

Fruit Cove, 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
Fruit Cove, FL4.8%17.5%
Fleming Island5.23%18.24%
Orange Park6.28%22.11%
World Golf Village5.4%17.8%

Fruit Cove Renters Insurance as a Percentage of Rent

Fruit Cove Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$750 to $999 103 10.0% $2640
$1,000 to $1,499 219 22.0% $3765
$1,500 or more 660 67.0% $5415

Average Cost Of Home Insurance By Company In Areas Nearby Fruit Cove For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Auto Club Insurance $2,037
150,000 27 NO Citizens Property Insurance $1,257
150,000 27 NO First Community Insurance $1,643
150,000 27 NO Florida Farm Bureau Casualty Insurance $2,034
150,000 27 YES Asi Preferred Insurance $1,326
150,000 27 YES Citizens Property Insurance $627
150,000 27 YES First Protective Insurance $540
150,000 27 YES Florida Farm Bureau Casualty Insurance $798
150,000 27 YES Southern Fidelity Insurance $858
150,000 27 YES Tower Hill Prime Insurance $921
300,000 12 NA Castle Key Indemnity Company Insurance $1,792
300,000 12 NA First Protective Insurance $1,001
300,000 12 NA Liberty Mutual Fire Insurance $2,782
300,000 12 NA Stillwater Property And Casualty Insurance $1,130
300,000 12 NA Tower Hill Prime Insurance $1,582
300,000 12 NA Universal Property & Casualty Insurance $1,522

Fruit Cove, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$3,100
Yearly Fruit Cove Homeowner Insurance Premium Example $5,900$4,900
Out of Pocket Expense During Claim$1,100$3,100
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $18,800$17,800
Net Savings to Fruit Cove Home Owner from High Deductible Plan $1,000

Fruit Cove, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Fruit Cove, FL Home Replacement Value MORE than Home Value Fruit Cove, FL Home Replacement Value LESS than Home Value
Replacement Value $395,000 $237,500
Insurance Premium based on Replacement Value $7,075 $4,250
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $83,500 Risk Exposure from Under Insuring Coverage is $74,000
Premium Impact Insurance cheaper by $1,325/year Insurance costlier by $1,500/year

Example Fruit Cove Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateLiberty MutualState Farm
Monthly Premium 535412594
Year Built 200520132013
Home Details 4 Beds, 1 Baths5 Beds, 4 Baths4 Beds, 3 Baths
Coverage Amount $400000-$500000$400000-$500000$500000-$600000
Deductible $2500-$5000 Deductible> $10,000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Fruit Cove, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2005 395,000 Metal Roof 2,230 4 $2500-$5000 Deductible 5070 10 Vinyl siding No
2008 300,000 Tile Roof 2,180 4 $500 Deductible 2350 7 Vinyl siding No
2004 525,000 Wood Shake Roof 3,240 4 > $10,000 Deductible 630 1 Stone Siding yes
2012 460,000 Metal Roof 2,820 5 > $10,000 Deductible 1310 4 Vinyl siding yes
2007 855,000 Slate Shingles Roof 4,740 5 $1000-$2500 Deductible 9990 9 Stucco siding yes
2014 650,000 Asphalt Shingles Roof 4,730 5 $500 Deductible 5120 4 Stone Siding yes
2011 490,000 Tile Roof 3,000 5 $500- $1000 Deductible 10340 10 Brick siding yes
2002 430,000 Shingles Roof 3,050 5 $500- $1000 Deductible 2440 5 Brick siding No
2012 310,000 Tile Roof 2,480 4 $1000-$2500 Deductible 4850 10 Vinyl siding No
2010 505,000 Composition Roof 3,110 5 $2500-$5000 Deductible 5240 8 Vinyl siding No
2011 285,000 Metal Roof 2,130 4 > $10,000 Deductible 1640 9 Stucco siding No
2010 815,000 Composition Roof 4,460 5 $500- $1000 Deductible 14590 12 Stucco siding No
2012 355,000 Tile Roof 2,440 4 $2500-$5000 Deductible 5390 9 Fiber-Cement Siding No
2013 355,000 Slate Shingles Roof 2,210 4 $500 Deductible 4840 9 Wood siding No
2013 385,000 Wood Shake Roof 2,050 4 $500- $1000 Deductible 550 1 Fiber-Cement Siding No
2004 355,000 Asphalt Shingles Roof 2,690 4 > $10,000 Deductible 860 3 Vinyl siding yes
2008 425,000 Composition Roof 2,490 4 $5000 to $10,000 Deductible 4500 12 Vinyl siding yes
2000 305,000 Membrane Roof 2,330 4 $500 Deductible 2020 4 Vinyl siding yes
2011 600,000 Membrane Roof 3,820 5 $500- $1000 Deductible 7020 10 Stone Siding No
2001 265,000 Wood Shake Roof 1,770 4 $1000-$2500 Deductible 3190 10 Vinyl siding yes
2000 455,000 Composition Roof 3,280 4 $1000-$2500 Deductible 460 1 Stucco siding No
2006 245,000 Slate Shingles Roof 1,560 5 $1000-$2500 Deductible 5410 12 Stucco siding yes
2000 530,000 Wood Shake Roof 2,990 4 $1000-$2500 Deductible 5820 7 Vinyl siding No
2005 510,000 Membrane Roof 3,800 5 $500 Deductible 6890 9 Wood siding yes
2013 715,000 Metal Roof 4,860 5 $2500-$5000 Deductible 10820 12 Brick siding No
2011 305,000 Tile Roof 2,000 4 $2500-$5000 Deductible 2030 5 Stone Siding yes
2010 395,000 Slate Shingles Roof 2,190 4 $5000 to $10,000 Deductible 1920 6 Wood siding yes
2007 535,000 Asphalt Shingles Roof 3,290 4 $2500-$5000 Deductible 6030 7 Wood siding No
2014 310,000 Shingles Roof 1,820 5 $2500-$5000 Deductible 2160 6 Brick siding yes
2010 425,000 Asphalt Shingles Roof 2,460 5 $500 Deductible 6610 9 Fiber-Cement Siding No
2013 310,000 Asphalt Shingles Roof 2,360 4 > $10,000 Deductible 1550 5 Wood siding yes
2006 685,000 Membrane Roof 4,010 5 $2500-$5000 Deductible 3420 5 Brick siding yes
2011 475,000 Composition Roof 3,020 4 > $10,000 Deductible 1320 4 Stucco siding No
2012 240,000 Slate Shingles Roof 1,600 4 $1000-$2500 Deductible 870 3 Stone Siding No

How To Make Your Fruit Cove, FL Home Insurance Cheaper

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