Key Largo Insurance Rates:

Key Largo, FL homeowners insurance is roughly $1,080 to $1,507, about $90-$125/month. Our comprehensive analysis indicates shoppers can save as much as $517 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Key Largo, FL Homeowners Insurance By Home Value

Key Largo, FL Home Value Total Homes % of Total Average Key Largo, FL Homeowners Insurance
Less than $50,000 169 10.0% $77
$50,000 to $59,999 38 2.0% $181
$60,000 to $69,999 33 2.0% $219
$80,000 to $89,999 23 1.0% $284
$100,000 to $124,999 106 6.0% $375
$125,000 to $149,999 63 3.0% $465
$150,000 to $174,999 148 9.0% $556
$175,000 to $199,999 61 3.0% $647
$200,000 to $249,999 258 16.0% $776
$250,000 to $299,999 316 19.0% $944
$300,000 to $399,999 362 22.0% $1203

Top Home Insurance Agents Near Key Largo, FL

Home Insurance Company Near Key Largo, FL Homeowners Insurance Agency Near Key Largo, FL Address
Liberty Mutual Independent Fortun Insurance 365 Palermo Ave , Coral Gables, FL, 33134
Travelers Frank Crystal & Co Of Fl Inc 600 BRICKELL AVE STE 2575, MIAMI, FL, 33131
Travelers Morris & Reynolds Inc 14821 SW DIXIE HWY, MIAMI, FL, 33176
Travelers Statewide Insurance Consultants Inc 11354 QUAIL ROOST DR, MIAMI, FL, 33157
NA We Insure Florida, Inc. 3900 Nw 79Th Ave Ste 338, Doral, FL, 33166

Cost Of Homeowners Insurance By Street Near Key Largo, FL

Streets in Key Largo Area Homeowners Insurance Cost
Jean Lafitte Ln, Avenue E, Meridian Ave, Gordon Cir, N Ruby Ave, Geiger Cir, Sharon Pl, Abaco Rd, Cagle Rd, King Ave$1,250
Bayridge Rd, Mahogany Cir, Oleander Dr, N Silver Cir, Osprey Ln, Arbor Ln, Colson Dr, Oleander Ave, Arica Dr, Silver Palm Ave$None
Shaw Dr, S Diamond Ave, Marina Dr, Prisonwood Dr, Beach Rd, Brown St, Buttonwood Shores Dr, Royal Palm Ave, Canal St, Grayvik Dr$1,270
Robert St, Transylvania Ave, Michelle Dr, Ocean Way, Atlantic Circle Dr, Marlin Ln, Broadway, Mahogany Ave, Bahia Ave, Albury Blvd$1,224
Tavernier St, Blue Runner St, Dockside Ln, Knoll Ln, Hibiscus Ln, Pirates Dr, Coconut Dr, N Lake Dr, N Blackwater Ln, 1st Ct$1,251

Key Largo, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Key Largo$190 to $197
Upper Keys$200
Tavernier$186
North Key Largo$250

Key Largo, 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
Upper Keys CCD, Monroe County, Florida $200 $267 $401
Tavernier CDP, Florida $186 $248 $372
North Key Largo CDP, Florida $250 $333 $500

Key Largo, 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
Key Largo, FL5.5%17.9%
Upper Keys5.19%16.34%
Tavernier7.29%18.22%
North Key Largo4.98%13.88%

Key Largo Renters Insurance as a Percentage of Rent

Key Largo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 32 2.0% $304
$300 to $499 86 5.0% $1204
$500 to $749 160 10.0% $1879
$750 to $999 175 11.0% $2629
$1,000 to $1,499 638 43.0% $3754
$1,500 or more 374 25.0% $5404

Average Cost Of Home Insurance By Company In Areas Nearby Key Largo For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Asi Preferred Insurance $7,419
150,000 27 NO Federated National Insurance $5,966
150,000 27 NO Security First Insurance $5,145
150,000 27 NO Southern Fidelity Insurance $4,917
150,000 27 NO Tower Hill Prime Insurance $5,839
150,000 27 NO United Property & Casualty Insurance $7,175
150,000 27 YES First Protective Insurance $1,493
150,000 27 YES Florida Family Insurance $809
150,000 27 YES Southern Fidelity Insurance $2,636
150,000 27 YES St. Johns Insurance $3,895
150,000 27 YES State Farm Florida Insurance $2,205
150,000 27 YES Stillwater Property And Casualty Insurance $2,700
150,000 27 YES Tower Hill Preferred Insurance $1,991
150,000 27 YES Tower Hill Signature Insurance $3,052
150,000 27 YES Universal Insurance $2,069
300,000 12 NA Florida Farm Bureau Casualty Insurance $6,504
300,000 12 NA Florida Peninsula Insurance $5,959
300,000 12 NA Tower Hill Select Insurance $3,693
300,000 12 NA Tower Hill Signature Insurance $5,107
300,000 12 NA Universal Insurance $3,395

Key Largo, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,500$3,500
Yearly Key Largo Homeowner Insurance Premium Example $8,400$8,000
Out of Pocket Expense During Claim$1,500$3,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $68,700$67,500
Net Savings to Key Largo Home Owner from High Deductible Plan $1,200

Key Largo, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Key Largo, FL Home Replacement Value MORE than Home Value Key Largo, FL Home Replacement Value LESS than Home Value
Replacement Value $1,190,000 $700,000
Insurance Premium based on Replacement Value $22,725 $13,375
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $300,000 Risk Exposure from Under Insuring Coverage is $190,000
Premium Impact Insurance cheaper by $3,625/year Insurance costlier by $5,725/year

Example Key Largo Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAllstateLiberty Mutual
Monthly Premium 631468364
Year Built 198119732003
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths3 Beds, 1 Baths
Coverage Amount $400000-$500000$500000-$600000$300000-$350000
Deductible $500- $1000 Deductible> $10,000 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Key Largo, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1993 540,000 Metal Roof 2,920 4 $5000 to $10,000 Deductible 5840 9 Vinyl siding yes
1998 365,000 Composition Roof 1,930 3 $500- $1000 Deductible 2120 4 Brick siding No
2008 560,000 Shingles Roof 3,350 4 $500 Deductible 1530 2 Brick siding yes
1971 365,000 Tile Roof 1,660 4 $500 Deductible 1940 4 Vinyl siding yes
1972 255,000 Asphalt Shingles Roof 1,700 3 $2500-$5000 Deductible 870 3 Stucco siding yes
2005 385,000 Wood Shake Roof 1,720 3 $2500-$5000 Deductible 4920 10 Vinyl siding No
1995 370,000 Shingles Roof 1,980 4 > $10,000 Deductible 3490 12 Fiber-Cement Siding No
1996 520,000 Asphalt Shingles Roof 2,340 4 $2500-$5000 Deductible 6440 10 Wood siding yes
1996 510,000 Tile Roof 2,850 4 $500- $1000 Deductible 2330 4 Wood siding No
1989 460,000 Slate Shingles Roof 2,720 4 $2500-$5000 Deductible 900 2 Fiber-Cement Siding yes
1995 475,000 Asphalt Shingles Roof 2,360 3 $1000-$2500 Deductible 3310 5 Wood siding No
1996 300,000 Slate Shingles Roof 1,670 4 $1000-$2500 Deductible 3650 8 Brick siding No
1998 295,000 Membrane Roof 1,480 3 $500- $1000 Deductible 4070 10 Fiber-Cement Siding yes
2000 330,000 Metal Roof 2,200 3 $2500-$5000 Deductible 370 1 Stucco siding yes
1977 590,000 Membrane Roof 3,280 4 $2500-$5000 Deductible 6210 10 Stucco siding No
2003 325,000 Metal Roof 2,060 4 $2500-$5000 Deductible 1340 4 Brick siding yes
1990 345,000 Asphalt Shingles Roof 1,910 3 $5000 to $10,000 Deductible 4510 12 Brick siding yes
1990 390,000 Asphalt Shingles Roof 2,230 3 $500 Deductible 1900 3 Stucco siding yes
1988 185,000 Slate Shingles Roof 1,240 3 $500- $1000 Deductible 210 1 Stone Siding yes
1992 335,000 Metal Roof 2,180 3 > $10,000 Deductible 1860 7 Fiber-Cement Siding yes
1972 395,000 Metal Roof 1,840 3 $5000 to $10,000 Deductible 5290 12 Stone Siding No
1991 310,000 Shingles Roof 1,560 3 > $10,000 Deductible 1620 5 Fiber-Cement Siding yes
1993 590,000 Membrane Roof 3,240 4 $1000-$2500 Deductible 7530 8 Stucco siding No
1990 320,000 Slate Shingles Roof 1,720 3 $2500-$5000 Deductible 4810 12 Brick siding yes
1989 320,000 Slate Shingles Roof 1,940 3 $5000 to $10,000 Deductible 970 3 Fiber-Cement Siding yes
2003 450,000 Wood Shake Roof 2,130 3 > $10,000 Deductible 1760 4 Vinyl siding No
1983 410,000 Membrane Roof 2,270 3 $500 Deductible 5360 7 Vinyl siding No
1991 550,000 Membrane Roof 2,770 4 $5000 to $10,000 Deductible 540 1 Stone Siding yes
1977 415,000 Membrane Roof 2,260 4 $1000-$2500 Deductible 5740 10 Stucco siding yes
1984 435,000 Composition Roof 2,910 4 $500 Deductible 5040 8 Brick siding yes
1995 260,000 Tile Roof 1,720 3 $5000 to $10,000 Deductible 1600 6 Fiber-Cement Siding yes
1999 505,000 Composition Roof 3,110 4 $500- $1000 Deductible 6240 6 Stucco siding No