Key West Insurance Rates:

Key West, FL homeowners insurance is about $1,117 to $1,541, about $93-$128/month. Our all inclusive research reveals consumers can save upto $531 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Usaa
This company has great loyalty incentives and good combination packages. you get discounts for using multiple services and you get a discount for loyalty.
Usaa
Their app is easy to use and we've had to call them before for questions or issues, they are always available and polite. They've waited patiently for us to gather the information.
Usaa
USAA is generally a great insurance company. Their phone based customer service is excellent and the premiums are fair,
Geico
Geico has always been attentive and the customer service people are helpful and polite. They can find answers and explain things well.
State Farm
State farm is nationally known. we've been with them for over 10 years and have never had a single problem with them.
Usaa
I recommend my home insurance to the masses because i believe in them to keep my home safe. they are the best
Allstate
Very fast customer service. Always there when I need to ask a question or if I have an issue that needs solving
Usaa
They email us to keep us informed, and they also mail us information. When we were signing up we called customer service a couple of times and they were readily available and very helpful.
Travelers
I am very satisfied with the premium because when compared to other companies for the same coverage it was way more for six months than I am paying for a year.
Allstate
If I call them for something I need they are great. The also abuse channels of communication for spam and advertising. I get annoyed with this.
Allstate
I think my premium is pretty much in line with other insurance companies. If I wanted to pay less then I would not get as much coverage as I would like
People's Trust Insurance
The premium is quite alright. I pay premiums every six months and the deductible policy is also favorable.
Assurant Specialty Property
I believe Assurant offers the same policies that most other insurance companies provide. It doesn't appear as though they insure anything different.
State Farm
I would recommend State Farm on their policy due to the cost and the coverage. I do not have any experience with their claim process but they came highly recommended by my broker.

Key West, FL Homeowners Insurance By Home Value

Key West, FL Home Value Total Homes % of Total Average Key West, FL Homeowners Insurance
Less than $50,000 231 8.0% $66
$80,000 to $89,999 43 1.0% $252
$100,000 to $124,999 110 4.0% $332
$150,000 to $174,999 226 8.0% $491
$175,000 to $199,999 77 2.0% $571
$200,000 to $249,999 521 19.0% $691
$250,000 to $299,999 367 13.0% $837
$300,000 to $399,999 1,009 37.0% $1063

Top Home Insurance Agents Near Key West, FL

Home Insurance Company Near Key West, FL Homeowners Insurance Agency Near Key West, FL Address
NA Eagle American Insurance Agency Llc Dba Keys Insurance Services 805 Peacock Plaza , Key West, FL, 33040
NA The Fullers, Inc. 1432 Kennedy Drive , Key West, FL, 33040
NA Sawyer Insurance, Inc 27223 Overseas Hwy Ste 4 Ramrod Key, Summerland Key, FL, 33042
Travelers Key West Insurance Inc 646 UNITED ST, KEY WEST, FL, 33040
Allstate Keys Ins Services 805 Peacock Plz, Key West, FL, 33040

Key West, FL Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Key West, FL

Streets in Key West Area Homeowners Insurance Cost
Elizabeth St, Johnson St, Fletcher Ln, Dondi Rd, F Moller Rd, Stump Ln, 17th Ter, Duval St, Prado Cir, Fogarty Ave$1,272
Rose St, 18th St, Geraldine St, 14th St, Harriet Ave, 6th Ave, Two Turtles Ln, Caraballo Ln, Robyn Ln, Florida St$1,275
Roosevelt Blvd, Felton Rd, Northside Dr, Geiger Rd, Telegraph Ln, Eagle Ave, Shavers Ln, Vonphister St, Duck Ave, Dolphin Rd$1,341
18th Ter, Virginia St, Douglas Cir, Johnson Ln, Patterson Ave, Miriam St, Key Haven Blvd, Riviera Dr, Sunset Ln, 8th Ave$1,278
Bertha St, Randolf, 10th Ave, Pine St, Spalding Ct, 2nd Ave, Halsey Dr, Knowles Ln, Glenn Archer Jr St, Bahama St$1,371

Key West, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Key West$196 to $201
Stock Island$181
Big Coppitt Key$192
Cudjoe Key$200

Key West, 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
Stock Island CDP, Florida $151 $201 $302
Big Coppitt Key CDP, Florida $160 $213 $320
Cudjoe Key CDP, Florida $167 $223 $334

Key West, 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 West, FL4.3%15.1%
Stock Island5.32%28.81%
Big Coppitt Key4.17%20.62%
Cudjoe Key4.14%19.32%

Key West Renters Insurance as a Percentage of Rent

Key West Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 162 2.0% $744
$300 to $499 213 3.0% $1194
$500 to $749 302 5.0% $1869
$750 to $999 697 12.0% $2619
$1,000 to $1,499 1,741 31.0% $3744
$1,500 or more 2,472 44.0% $5394

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Auto Club Insurance $10,570
150,000 27 NO Citizens Property Insurance $9,447
150,000 27 NO Florida Family Insurance $1,341
150,000 27 NO Florida Farm Bureau Casualty Insurance $13,014
150,000 27 NO Florida Peninsula Insurance $8,014
150,000 27 NO Security First Insurance $5,145
150,000 27 NO State Farm Florida Insurance $4,391
150,000 27 NO Tower Hill Prime Insurance $5,839
150,000 27 NO Universal Property & Casualty Insurance $11,644
150,000 27 YES American Traditions Insurance $1,689
150,000 27 YES Castle Key Indemnity Company Insurance $1,258
150,000 27 YES Federated National Insurance $1,766
150,000 27 YES Liberty Mutual Fire Insurance $4,384
150,000 27 YES Safeway Property Insurance $2,693
150,000 27 YES Southern Oak Insurance $2,499
150,000 27 YES Stillwater Property And Casualty Insurance $2,700
300,000 12 NA Liberty Mutual Fire Insurance $9,741
300,000 12 NA Tower Hill Prime Insurance $4,443
300,000 12 NA United Property & Casualty Insurance $3,617
300,000 12 NA Universal Insurance $3,395

Key West, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$3,800
Yearly Key West Homeowner Insurance Premium Example $4,200$3,800
Out of Pocket Expense During Claim$1,800$3,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $31,200$30,400
Net Savings to Key West Home Owner from High Deductible Plan $800

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

Scenario Key West, FL Home Replacement Value MORE than Home Value Key West, FL Home Replacement Value LESS than Home Value
Replacement Value $400,000 $235,000
Insurance Premium based on Replacement Value $7,000 $4,100
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $82,500 Risk Exposure from Under Insuring Coverage is $82,500
Premium Impact Insurance cheaper by $1,450/year Insurance costlier by $1,450/year

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

Insurance Company AllstateTravelersState Farm
Monthly Premium 885243333
Year Built 198319622005
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 3 Baths
Coverage Amount $400000-$500000$250000-$300000$300000-$350000
Deductible $500 Deductible$5000 to $10,000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1996 315,000 Slate Shingles Roof 1,300 3 $2500-$5000 Deductible 3050 10 Brick siding yes
1960 470,000 Wood Shake Roof 2,160 4 $1000-$2500 Deductible 1020 2 Vinyl siding yes
1964 575,000 Membrane Roof 2,520 4 > $10,000 Deductible 460 1 Stone Siding No
1999 345,000 Tile Roof 1,530 3 $2500-$5000 Deductible 1950 4 Vinyl siding No
1968 380,000 Membrane Roof 1,720 2 $500- $1000 Deductible 2060 5 Brick siding yes
1943 260,000 Shingles Roof 1,020 2 $500- $1000 Deductible 2530 9 Brick siding yes
1941 230,000 Metal Roof 1,020 2 $1000-$2500 Deductible 2150 6 Stucco siding No
1963 585,000 Tile Roof 2,410 4 $500 Deductible 10720 12 Vinyl siding yes
1990 400,000 Tile Roof 1,800 4 $500- $1000 Deductible 3790 5 Fiber-Cement Siding yes
1972 340,000 Composition Roof 1,780 4 $500- $1000 Deductible 6900 12 Vinyl siding No
1943 480,000 Metal Roof 2,510 4 $500- $1000 Deductible 6430 9 Brick siding No
1972 375,000 Composition Roof 1,950 4 $5000 to $10,000 Deductible 3500 6 Fiber-Cement Siding yes
1973 270,000 Asphalt Shingles Roof 1,490 3 $2500-$5000 Deductible 1310 4 Brick siding yes
2006 295,000 Tile Roof 1,430 2 $500 Deductible 3590 8 Stone Siding No
1967 380,000 Tile Roof 1,920 3 $2500-$5000 Deductible 3790 8 Wood siding yes
1983 380,000 Asphalt Shingles Roof 1,750 2 $2500-$5000 Deductible 2280 4 Fiber-Cement Siding No
1982 435,000 Metal Roof 1,750 3 $500- $1000 Deductible 7430 9 Stucco siding yes
1944 230,000 Shingles Roof 1,010 2 $1000-$2500 Deductible 2870 8 Vinyl siding No
1961 280,000 Metal Roof 1,220 2 $5000 to $10,000 Deductible 2380 10 Vinyl siding yes
1998 600,000 Metal Roof 2,650 4 > $10,000 Deductible 1020 2 Stucco siding yes
1982 515,000 Metal Roof 2,890 4 $500- $1000 Deductible 1590 2 Stone Siding No
1992 390,000 Composition Roof 1,650 4 $1000-$2500 Deductible 3560 9 Stucco siding No
1978 605,000 Wood Shake Roof 2,390 3 $500 Deductible 1250 1 Fiber-Cement Siding yes
2008 250,000 Shingles Roof 1,380 2 $1000-$2500 Deductible 560 2 Wood siding yes
1940 290,000 Metal Roof 1,590 3 $500 Deductible 470 1 Stone Siding yes
1983 310,000 Shingles Roof 1,600 2 $500- $1000 Deductible 3790 10 Stucco siding yes
2003 490,000 Metal Roof 1,950 4 > $10,000 Deductible 1780 5 Stucco siding No
2005 620,000 Shingles Roof 3,180 4 $2500-$5000 Deductible 6660 7 Wood siding No
1945 600,000 Asphalt Shingles Roof 3,400 4 $2500-$5000 Deductible 7210 10 Stucco siding yes
1966 610,000 Tile Roof 2,570 4 $5000 to $10,000 Deductible 1630 3 Stone Siding yes
1993 330,000 Wood Shake Roof 1,820 4 $500- $1000 Deductible 2160 5 Stone Siding yes
2005 670,000 Asphalt Shingles Roof 3,100 4 $5000 to $10,000 Deductible 6560 9 Vinyl siding yes
1979 575,000 Metal Roof 3,070 4 $500- $1000 Deductible 2000 2 Brick siding yes
2004 370,000 Metal Roof 2,000 3 $2500-$5000 Deductible 410 1 Stucco siding No

How To Make Your Key West, FL Home Insurance Cheaper

How Much Does Key West, FL Home Insurance Cost?