Largo Insurance Rates:

Largo, FL homeowners insurance is about $960 to $1,304, about $80-$108/month. Our thorough research indicates shoppers can save upto $452 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
The state farm insurance company is cheapest than other company when your first buying, it can save anymore what auto and home insurance.
Allstate
They are slow at responding to me when i need to file a claim, i have to leave a message and wait for them to call me back.
Allstate
My insurance company applies a discount to my annual rate when i make safety improvements to my home, or add other properties or automobiles to my insurance.
State Farm
Honestly, the premium is rolled into other monthly mortgage payment. We did research and this premium was fair for the amount of coverage we preferred
Progressive
I love Progressive. They are not the cheapest out there, but I am a huge believer that you get what you pay for. I can always count on Progressive to get things done in a quick manner and they have never denied me of a claim.
State Farm
They offer pretty consistent service overall. They are generally pleasant to deal with. They tend to pay claims in an orderly fashion. Their bills are straightforward, which I appreciate.
Utica First Insurance Comany
I do everything online. I don't need to call anyone. Everything is handled online. I love that.
Usaa
They are easy to deal with and have pretty good prices and reputation.

Largo, FL Homeowners Insurance By Home Value

Largo, FL Home Value Total Homes % of Total Average Largo, FL Homeowners Insurance
Less than $50,000 6,018 28.0% $271
$50,000 to $59,999 711 3.0% $577
$60,000 to $69,999 947 4.0% $713
$70,000 to $79,999 1,019 4.0% $826
$80,000 to $89,999 1,326 6.0% $939
$90,000 to $99,999 704 3.0% $1052
$100,000 to $124,999 2,183 10.0% $1222
$125,000 to $149,999 1,472 6.0% $1528
$150,000 to $174,999 2,107 10.0% $1799
$175,000 to $199,999 1,236 5.0% $2082
$200,000 to $249,999 1,638 7.0% $2501
$250,000 to $299,999 891 4.0% $3067
$300,000 to $399,999 778 3.0% $3894

Top Home Insurance Agents Near Largo, FL

Home Insurance Company Near Largo, FL Homeowners Insurance Agency Near Largo, FL Address
NA We Insure Florida, Inc. 200 Frandorson Cir Ste 202 , Apollo Beach, FL, 33572
NA We Insure Florida, Inc. 1845 Collier Pkwy , Lutz, FL, 33549
Liberty Mutual Eric Lynch Lutcf 3550 Buschwood Park Dr Ste. 300, Tampa, FL, 33618
Travelers Mynatt Insurance Agency Inc 1316 W BUSCH BLVD, TAMPA, FL, 33612
Travelers Otero Insurance Group 5201 W Kennedy Blvd Ste 220, Tampa, FL, 33609

Cost Of Homeowners Insurance By Street Near Largo, FL

Streets in Largo Area Homeowners Insurance Cost
Creek Ct, 7th Pl SW, Florence St, Patrick Ct, 21st Ave SW, Doncaster Rd, 19th St SW, Capistrano Ct, Happy Cove, 129th Ave N$1,181
Dorothy Dr, Page Ave, Valencia Dr N, Dorothy Dr, 117th Ave N, Kent Ave, Woodridge Dr, Bourbon St, Cobblestone Way, 105th St$1,188
Sunshine Ct, Adrian Ave, Belle Oak Blvd, Sabal Palm Dr, 22nd St SW, Madison Ave, Carnegie Ave, Rosery Rd NE, Sunny Park Dr, 147th Ave N$1,120
Belleair Ln, Crescent Dr, 5th Ave SE, Beechwood Ln, Chamberlain Ave, Crestmont St, Howard Dr NW, Oak Ln, Knollwood Dr, Orange Blossom Rd$1,197
Oval Dr, Jeffrey Ct, Oakdale Dr, Montara Dr, 140th Ter N, Imperial Way, 21st Pl SW, Duncan Ct, Jacks Ln, Bay Hills Dr$1,180
Ridge Rd N, Stephen Foster Dr, 92nd Way N, Southern Oak Cir, Siesta Ln, Auburn St, Laughing Gull Ln S, Washington Dr, 127th Pl, 6th St SW$1,172
Hickory Dr, Whispering Pines St, 132nd Ave, Hunt Ln, Shirley Ln, 109th Ter, Belcher Rd N, Jonathan Ct, Whitney Pl, 4th Pl SW$1,151
Ashbury Dr, 57th Way N, Dream Way, Forest Lakes Dr, Florence Dr, Shady Bluff Dr, Jerger St, Pembrook Dr, Williams Dr, 21st Ter SE$1,085
112 Pl N, 64th St, Sunset St, Azalea Pl, 12th St SW, 117th Way, 102nd Ter, Roberta Ln, Seacrest Dr, Waverly St$1,196
15th St, 137th Ave N, Balboa Dr, Bonnie Gail Dr, Palm Cir, Wilcox Rd, W Rena Dr, Imperial Grove Dr E, Jacaranda Dr, Malaga Dr$1,161

Largo, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Largo$169 to $172
Pinellas County$175
Ridgecrest$174
Belleair Bluffs$178

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
Pinellas County, Florida $175 $233 $350
Ridgecrest CDP, Florida $175 $233 $350
Belleair Bluffs city, Florida $178 $237 $356

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
Largo, FL7.2%19.4%
Pinellas County6.29%18.92%
Ridgecrest7.02%24.39%
Belleair Bluffs6.45%17.68%

Largo Renters Insurance as a Percentage of Rent

Largo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 306 2.0% $1247
$500 to $749 2,844 19.0% $1922
$750 to $999 5,912 40.0% $2672
$1,000 to $1,499 4,093 28.0% $3797
$1,500 or more 1,235 8.0% $5447

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Asi Preferred Insurance $3,557
150,000 27 NO Auto Club Insurance $4,640
150,000 27 NO Southern Fidelity Insurance $2,561
150,000 27 NO Tower Hill Preferred Insurance $3,251
150,000 27 YES United Property & Casualty Insurance $1,136
300,000 12 NA Auto Club Insurance $3,557
300,000 12 NA Castle Key Indemnity Company Insurance $2,572
300,000 12 NA Florida Farm Bureau Casualty Insurance $2,330

Largo, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$5,700
Yearly Largo Homeowner Insurance Premium Example $2,300$1,500
Out of Pocket Expense During Claim$1,700$5,700
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $17,800$16,200
Net Savings to Largo Home Owner from High Deductible Plan $1,600

Largo, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Largo, FL Home Replacement Value MORE than Home Value Largo, FL Home Replacement Value LESS than Home Value
Replacement Value $169,500 $119,000
Insurance Premium based on Replacement Value $3,200 $2,250
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $29,500 Risk Exposure from Under Insuring Coverage is $21,000
Premium Impact Insurance cheaper by $400/year Insurance costlier by $550/year

Example Largo Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceState FarmLiberty Mutual
Monthly Premium 169304228
Year Built 199919781989
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 3 Baths
Coverage Amount $100000-$125000$150000-$175000$125000-$150000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for 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
1977 145,000 Wood Shake Roof 2,080 3 $500 Deductible 1390 5 Fiber-Cement Siding No
1973 75,000 Composition Roof 1,250 3 $500- $1000 Deductible 160 2 Wood siding No
1976 75,000 Wood Shake Roof 1,320 2 $2500-$5000 Deductible 1040 12 Stucco siding No
1973 160,000 Wood Shake Roof 2,380 3 $500 Deductible 1830 8 Vinyl siding yes
1985 145,000 Asphalt Shingles Roof 2,260 4 $500 Deductible 320 1 Brick siding No
1998 105,000 Metal Roof 1,580 3 $2500-$5000 Deductible 600 6 Fiber-Cement Siding yes
1999 140,000 Metal Roof 1,840 3 $500- $1000 Deductible 1130 6 Stucco siding No
1973 60,000 Asphalt Shingles Roof 920 2 $500 Deductible 270 3 Stone Siding yes
1979 220,000 Composition Roof 3,250 4 $1000-$2500 Deductible 3680 10 Stucco siding No
1986 165,000 Slate Shingles Roof 2,020 4 $5000 to $10,000 Deductible 990 5 Brick siding yes
1991 145,000 Shingles Roof 2,240 3 $1000-$2500 Deductible 660 5 Stone Siding yes
1985 55,000 Membrane Roof 940 2 $500 Deductible 690 8 Vinyl siding No
1981 85,000 Membrane Roof 1,210 3 $500 Deductible 130 1 Stucco siding yes
1981 105,000 Membrane Roof 1,430 2 $2500-$5000 Deductible 830 5 Stone Siding No
1990 100,000 Composition Roof 1,270 3 $2500-$5000 Deductible 640 4 Brick siding No
1995 105,000 Membrane Roof 1,480 3 $500- $1000 Deductible 2260 12 Wood siding yes
1989 155,000 Shingles Roof 1,800 3 $5000 to $10,000 Deductible 680 4 Stone Siding yes
1981 160,000 Metal Roof 2,200 3 $2500-$5000 Deductible 1260 6 Fiber-Cement Siding yes
1978 150,000 Shingles Roof 1,870 3 $1000-$2500 Deductible 690 3 Stone Siding No
1992 170,000 Slate Shingles Roof 2,320 4 $2500-$5000 Deductible 770 3 Wood siding yes
1972 130,000 Composition Roof 2,030 3 $500 Deductible 1370 7 Wood siding No
1996 90,000 Shingles Roof 1,570 2 $500- $1000 Deductible 1120 6 Stucco siding yes
1985 230,000 Shingles Roof 3,090 4 $1000-$2500 Deductible 520 2 Vinyl siding No
1984 155,000 Asphalt Shingles Roof 2,390 3 $5000 to $10,000 Deductible 1480 10 Stone Siding No
1992 100,000 Composition Roof 1,610 3 $500 Deductible 740 6 Fiber-Cement Siding No