Merritt Island Insurance Rates:

Merritt Island, FL homeowners insurance is approximately $1,010 to $1,376, about $84-$114/month. Our exhaustive research indicates shoppers can save upto $476 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Tower Hill Insurance
I would be willing to recommend them to people because of their deduction, policy and their customer relation, it is a time response to solve any issue you have.
State Farm
I would recommend State Farm because they are a long established insurer with a lot of experience and capital to throw around. They offer agents in your area instead of a faceless person online.
Assurant Specialty Property
I receive an email every month before payment is withdrawn from my bank account. it shows me the remaining balance for my policy.
Travelers
I feel like overall this company is just fine. They are engaging and proactive and do not rest on their laurels. I believe they make it a point to try to stay at the forefront- and be progressive with their innovations.
Geico
I didn't do much shopping around honestly. It was easy to combine my policy with ones I already had. I do know many people unhappy with their insurance companies that have jumped ship for mine.
Usaa
Deductibles used to be rock bottom now they are slowly creeping up each year so that they are more inline with the rest of the industry.
Usaa
The sign-up process was very simple. i was able to talk to a native english speaker on the phone that was able to set up everything i needed. it was extremely helpful having someone there to explain the different coverage options.
Usaa
I also do not like that my current insurance company is more expensive than every other company. i feel like they have better coverage but we are definitely paying for it.
Florida 1st Insurance
I review my policy and costs every year. I shop with other companies to compare rates and have found mine to be lower than other companies.
Liberty Mutual
I like that my claims were handled in a speedy and uncomplicated fashion. I like the professionalism I received from all parties related to the company.
Allstate
Their customer service department has always taken care of my needs immediately and been super helpful in resolving any issues that have come up.
Allstate
Premium is right in line with expectations. Not significantly higher or lower.
Progressive
I like this policy more because it is more convenient for my family, since it offers us additional services. thanks
Progressive
I would absolutely recommend. They're helpful, affordable, and available whenever needed.
Farmer's Insurance
My homeowner's insurance company has excellent customer service! The wait time can be a bit long if you call at certain times, but they are always courteous and happy to help.

Merritt Island, FL Homeowners Insurance By Home Value

Merritt Island, FL Home Value Total Homes % of Total Average Merritt Island, FL Homeowners Insurance
Less than $50,000 915 7.0% $143
$50,000 to $59,999 133 1.0% $298
$60,000 to $69,999 269 2.0% $369
$70,000 to $79,999 478 3.0% $429
$80,000 to $89,999 584 4.0% $488
$90,000 to $99,999 375 3.0% $548
$100,000 to $124,999 1,088 9.0% $631
$125,000 to $149,999 931 7.0% $798
$150,000 to $174,999 1,345 11.0% $941
$175,000 to $199,999 770 6.0% $1096
$200,000 to $249,999 2,014 16.0% $1311
$250,000 to $299,999 1,579 13.0% $1609
$300,000 to $399,999 1,491 12.0% $2038

Top Home Insurance Agents Near Merritt Island, FL

Home Insurance Company Near Merritt Island, FL Homeowners Insurance Agency Near Merritt Island, FL Address
NA John Feirick Insurance 2100 Alafaya Trl Ste 110, Oviedo, FL, 32765
NA Southern States Ins.Agency Dba Lakes Agency Of Florida Inc 719 Garden St, Titusville, FL, 32796
NA Lassiter-Ware Insurance 2701 Ctr Pkwy, Ste 110 , Maitland, FL, 32751
Allstate Haidar Ali 10376 E Colonial Dr Ste 108, Orlando, FL, 32817
Allstate Kathryn Delong 809 Mabbette St, Kissimmee, FL, 34741

Merritt Island, FL Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Merritt Island, FL

Streets in Merritt Island Area Homeowners Insurance Cost
Dragon Point Dr, Hibiscus Ave, Wainai Dr, Cormorant Dr, Biscayne Dr, Cactus Pl, Killarney Ct, Horizon Ct, Stewart Dr, Girard Blvd$1,214
Harbor Pines Dr, Sykes Creek Dr, S Plumosa St, Queen Ann St, Lucas Pl, Harbor Point Dr, Jason St, Marlin Dr, Yount Dr, Larkview St$1,196
Peck Ave, Pluto St, Glen Haven Dr, Pine Lake Dr, Treehouse Ln, Trinidad Dr, Lynwood Ct, 8th St, Laurel Oak Ln, Chub St$1,203
Twelve Oaks Cir, Rio Vista Ln, Hudson Ave, Ursa Ave, Barr St, Alma Blvd, Lake Front Ct, Sun Pointe Pl, Parkside Ave, Mourning Dove Dr$1,196
Orion Ct, Nina Ct, Leeward Ln, Cepheus Ct, Florida Blvd, Joshua Pl, E Scots Ave, la Havre Ct, Cunningham Ave, Borman Dr$1,224

Merritt Island, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Merritt Island$178 to $181
Cocoa Beach$183
Rockledge$174
Cocoa$170

Merritt Island, 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
Cocoa Beach city, Florida $183 $244 $366
Rockledge city, Florida $175 $233 $350
Cocoa city, Florida $170 $227 $341

Merritt Island, 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
Merritt Island, FL5.7%19.6%
Cocoa Beach5.49%15.62%
Rockledge6.39%22.95%
Cocoa8.72%25.65%

Merritt Island Renters Insurance as a Percentage of Rent

Merritt Island Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 85 2.0% $781
$300 to $499 285 9.0% $1231
$500 to $749 634 20.0% $1906
$750 to $999 1,026 32.0% $2656
$1,000 to $1,499 799 25.0% $3781
$1,500 or more 285 9.0% $5431

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO State Farm Florida Insurance $3,474
150,000 27 NO Stillwater Property And Casualty Insurance $2,482
150,000 27 NO Tower Hill Prime Insurance $2,386
150,000 27 YES Southern Oak Insurance $1,711
150,000 27 YES Stillwater Property And Casualty Insurance $1,305
150,000 27 YES Tower Hill Select Insurance $1,345
300,000 12 NA Citizens Property Insurance $2,375
300,000 12 NA First Protective Insurance $2,021
300,000 12 NA Southern Fidelity Insurance $3,149
300,000 12 NA State Farm Florida Insurance $3,689

Merritt Island, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$6,700
Yearly Merritt Island Homeowner Insurance Premium Example $3,900$2,700
Out of Pocket Expense During Claim$700$6,700
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $24,100$22,900
Net Savings to Merritt Island Home Owner from High Deductible Plan $1,200

Merritt Island, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Merritt Island, FL Home Replacement Value MORE than Home Value Merritt Island, FL Home Replacement Value LESS than Home Value
Replacement Value $193,000 $106,000
Insurance Premium based on Replacement Value $4,225 $2,325
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $43,500 Risk Exposure from Under Insuring Coverage is $43,500
Premium Impact Insurance cheaper by $950/year Insurance costlier by $950/year

Example Merritt Island Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmLiberty MutualGEICO Insurance
Monthly Premium 192409373
Year Built 201019881995
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $250000-$300000$300000-$350000$200000-$250000
Deductible > $10,000 Deductible$1000-$2500 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Merritt Island, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1998 530,000 Slate Shingles Roof 3,950 5 > $10,000 Deductible 4420 7 Wood siding No
1975 220,000 Shingles Roof 2,160 3 $500 Deductible 810 2 Stone Siding No
1985 505,000 Wood Shake Roof 4,450 5 $500 Deductible 5780 7 Fiber-Cement Siding No
2003 280,000 Composition Roof 2,590 4 $1000-$2500 Deductible 2950 9 Stucco siding yes
2013 145,000 Membrane Roof 1,490 3 $1000-$2500 Deductible 700 4 Brick siding No
2010 410,000 Tile Roof 3,160 5 $2500-$5000 Deductible 1400 3 Stone Siding No
1984 255,000 Asphalt Shingles Roof 2,380 3 $2500-$5000 Deductible 2090 6 Wood siding No
1970 125,000 Shingles Roof 1,330 3 $500 Deductible 1320 8 Stone Siding No
2013 190,000 Shingles Roof 1,960 3 $2500-$5000 Deductible 1150 5 Stone Siding yes
2007 215,000 Slate Shingles Roof 2,190 3 $5000 to $10,000 Deductible 1710 6 Vinyl siding yes
2001 335,000 Tile Roof 3,430 5 $500- $1000 Deductible 3900 8 Stucco siding yes
1986 275,000 Slate Shingles Roof 2,370 3 $5000 to $10,000 Deductible 1920 7 Stone Siding yes
1974 220,000 Slate Shingles Roof 1,780 5 $1000-$2500 Deductible 2300 6 Stucco siding No
2004 180,000 Composition Roof 1,830 4 $2500-$5000 Deductible 2660 10 Vinyl siding No
1993 205,000 Slate Shingles Roof 2,070 4 $2500-$5000 Deductible 2060 8 Vinyl siding yes
1978 330,000 Tile Roof 2,740 4 $500 Deductible 3120 6 Stone Siding No
2013 235,000 Composition Roof 1,930 3 $1000-$2500 Deductible 3890 12 Vinyl siding No
2001 275,000 Asphalt Shingles Roof 2,160 4 $1000-$2500 Deductible 3130 9 Brick siding No
2001 165,000 Metal Roof 1,790 5 $1000-$2500 Deductible 1640 6 Wood siding No
2012 140,000 Composition Roof 1,280 3 $1000-$2500 Deductible 1470 8 Vinyl siding No
2012 300,000 Tile Roof 3,260 4 $500- $1000 Deductible 2630 6 Wood siding yes
1970 210,000 Metal Roof 1,870 4 > $10,000 Deductible 2350 12 Stucco siding No
1983 150,000 Wood Shake Roof 1,410 3 $500 Deductible 1520 6 Stucco siding No
1991 185,000 Membrane Roof 1,690 4 $1000-$2500 Deductible 1720 5 Wood siding No
2002 360,000 Composition Roof 3,690 5 $5000 to $10,000 Deductible 3650 8 Wood siding No
1995 275,000 Wood Shake Roof 2,530 4 $1000-$2500 Deductible 2830 6 Fiber-Cement Siding yes
2010 270,000 Metal Roof 2,790 4 $1000-$2500 Deductible 2990 9 Wood siding No
1976 220,000 Asphalt Shingles Roof 2,290 4 $5000 to $10,000 Deductible 1520 7 Vinyl siding No
1980 320,000 Shingles Roof 3,080 5 $500 Deductible 5000 9 Stucco siding No
1995 320,000 Shingles Roof 2,610 5 $1000-$2500 Deductible 3370 8 Fiber-Cement Siding yes
1973 315,000 Wood Shake Roof 2,390 4 $1000-$2500 Deductible 3120 8 Wood siding No
1993 225,000 Membrane Roof 2,200 4 $500 Deductible 2720 7 Brick siding yes
1993 275,000 Wood Shake Roof 2,340 3 > $10,000 Deductible 800 4 Vinyl siding No
1979 205,000 Asphalt Shingles Roof 1,590 3 $500 Deductible 1300 4 Stone Siding No

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