Neptune Beach Insurance Rates:

Neptune Beach, FL homeowners insurance is approximately $1,065 to $1,470, about $88-$122/month. Our thorough analysis indicates shoppers can save upto $506 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Neptune Beach, FL Homeowners Insurance By Home Value

Neptune Beach, FL Home Value Total Homes % of Total Average Neptune Beach, FL Homeowners Insurance
Less than $50,000 28 2.0% $88
$70,000 to $79,999 16 1.0% $278
$90,000 to $99,999 17 1.0% $354
$100,000 to $124,999 16 1.0% $418
$125,000 to $149,999 40 2.0% $519
$150,000 to $174,999 43 3.0% $620
$175,000 to $199,999 79 5.0% $709
$200,000 to $249,999 189 14.0% $861
$250,000 to $299,999 369 27.0% $1051
$300,000 to $399,999 544 40.0% $1343

Top Home Insurance Agents Near Neptune Beach, FL

Home Insurance Company Near Neptune Beach, FL Homeowners Insurance Agency Near Neptune Beach, FL Address
NA Lamb Insurance Services 87 B. Hawthorne Ln Saint Marys, Saint Marys, GA, 31558
State Farm Chris Frank 9475 Philips Hwy Ste 15, Jacksonville, FL, 32256-1346
Travelers Hardin Insurance Inc 3305 ATLANTIC BLVD STE A, JACKSONVILLE, FL, 32207
State Farm Kathy Scott 6018 San Jose Blvd W, Jacksonville, FL, 32217-2365
Travelers Tim Huber Insurance 28 CLARK ST, ST AUGUSTINE, FL, 32084

Cost Of Homeowners Insurance By Street Near Neptune Beach, FL

Streets in Neptune Beach Area Homeowners Insurance Cost
E Twelve Oaks Ln, Cedar Ct, Sand Castle Way, South St, Marvone Ln, Hagler Dr, Florida Blvd, Bay St, Windward Ln, Davis St$1,281
2nd St, Penman Rd, Lighty Ln, Hall Pl, Oceanwood Dr, Indian Wood Rd, Gaillardia Pl, Lighthouse Ct, Sunrise Cir, Cherokee Dr$1,273
Emma Ln, Tree Split Ln, Landing Ln, Acacia Rd, Midway St, Marshpoint Rd, Oleander Pl, Florida Blvd, Nightfall Dr, Driftwood Rd$1,232
Goldenrod Ln N, Kings Cir S, 7th St, Propose Gate, Shadow Ln, Arrowhead Trl, Hopkins Creek Ln, Rosewood Dr, Big Chief Gate, Bowles Ct$1,246
Sanibel Ct, Lincoln Rd, Hamlet Ln N, Hamlet Ct, Rosebud Ln, Margaret St, Hamlet Ln E, Elizabeth Pl, Jarboe Ln, McCullum Cir$1,260

Neptune Beach, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Neptune Beach$187 to $192
Atlantic Beach$190
Jacksonville Beaches$185
Palm Valley$197

Neptune Beach, 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
Atlantic Beach city, Florida $158 $211 $316
Jacksonville Beaches CCD, Duval County, Florida $155 $206 $309
Jacksonville Beach city, Florida $155 $206 $309

Neptune Beach, 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
Neptune Beach, FL4.9%18.9%
Atlantic Beach5.9%16.05%
Jacksonville Beaches5.67%17.43%
Jacksonville Beach5.37%16.51%

Neptune Beach Renters Insurance as a Percentage of Rent

Neptune Beach Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 110 7.0% $1886
$750 to $999 423 29.0% $2636
$1,000 to $1,499 589 40.0% $3761
$1,500 or more 310 21.0% $5411

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Asi Preferred Insurance $1,570
150,000 27 NO Citizens Property Insurance $1,093
150,000 27 NO First Protective Insurance $1,243
150,000 27 NO Florida Farm Bureau Casualty Insurance $1,843
150,000 27 NO Stillwater Property And Casualty Insurance $1,292
150,000 27 NO Tower Hill Signature Insurance $1,684
150,000 27 YES Auto Club Insurance $1,234
150,000 27 YES Citizens Property Insurance $689
150,000 27 YES Florida Family Insurance $1,062
150,000 27 YES Southern Oak Insurance $873
150,000 27 YES Tower Hill Preferred Insurance $1,309
300,000 12 NA American Integrity Insurance $1,548
300,000 12 NA Safeway Property Insurance $1,300
300,000 12 NA Security First Insurance $1,376
300,000 12 NA State Farm Florida Insurance $2,304
300,000 12 NA Tower Hill Preferred Insurance $1,847
300,000 12 NA Tower Hill Prime Insurance $1,652
300,000 12 NA United Property & Casualty Insurance $1,258
300,000 12 NA Universal Insurance $1,296
300,000 12 NA Universal Property & Casualty Insurance $1,333

Neptune Beach, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$2,700
Yearly Neptune Beach Homeowner Insurance Premium Example $8,400$7,900
Out of Pocket Expense During Claim$1,700$2,700
Total Home Insurance Premium for 4 years + Out of Pocket Expense for Claim $35,300$34,300
Net Savings to Neptune Beach Home Owner from High Deductible Plan $1,000

Neptune Beach, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Neptune Beach, FL Home Replacement Value MORE than Home Value Neptune Beach, FL Home Replacement Value LESS than Home Value
Replacement Value $439,500 $278,000
Insurance Premium based on Replacement Value $8,225 $5,200
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $65,500 Risk Exposure from Under Insuring Coverage is $96,000
Premium Impact Insurance cheaper by $1,800/year Insurance costlier by $1,225/year

Example Neptune Beach Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersAllstateState Farm
Monthly Premium 498598594
Year Built 197519521943
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $300000-$350000$500000-$600000$400000-$500000
Deductible $500 Deductible$5000 to $10,000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Neptune Beach, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1986 405,000 Metal Roof 2,960 5 $500 Deductible 3580 4 Brick siding yes
1959 665,000 Composition Roof 4,600 5 $500 Deductible 2190 2 Fiber-Cement Siding yes
1957 325,000 Metal Roof 1,700 4 > $10,000 Deductible 1110 4 Stucco siding No
1956 310,000 Membrane Roof 1,790 4 $500- $1000 Deductible 4090 10 Brick siding No
1956 985,000 Membrane Roof 4,940 5 $1000-$2500 Deductible 10340 9 Fiber-Cement Siding yes
1976 430,000 Slate Shingles Roof 3,040 5 $500 Deductible 4100 7 Vinyl siding No
1998 460,000 Metal Roof 2,780 4 > $10,000 Deductible 1700 4 Stone Siding yes
1998 660,000 Membrane Roof 4,320 5 $2500-$5000 Deductible 690 1 Wood siding No
1945 275,000 Tile Roof 1,690 4 $1000-$2500 Deductible 1010 2 Stone Siding yes
1948 380,000 Composition Roof 2,040 4 $5000 to $10,000 Deductible 660 2 Stone Siding No
1943 560,000 Tile Roof 2,850 5 > $10,000 Deductible 4580 8 Wood siding yes
1990 305,000 Membrane Roof 2,210 4 $1000-$2500 Deductible 860 3 Wood siding No
1988 305,000 Tile Roof 1,740 4 $2500-$5000 Deductible 2710 6 Fiber-Cement Siding yes
1975 235,000 Metal Roof 1,270 3 $500 Deductible 2150 4 Brick siding yes
1958 480,000 Shingles Roof 3,100 4 $1000-$2500 Deductible 5290 8 Wood siding yes
1989 400,000 Composition Roof 2,980 5 > $10,000 Deductible 1030 4 Vinyl siding yes
1996 455,000 Wood Shake Roof 3,040 4 $5000 to $10,000 Deductible 4860 8 Wood siding yes
1997 225,000 Wood Shake Roof 1,390 3 $500 Deductible 4320 12 Stone Siding yes
1974 485,000 Wood Shake Roof 2,700 5 $2500-$5000 Deductible 1570 2 Fiber-Cement Siding No
1952 210,000 Tile Roof 1,560 3 $1000-$2500 Deductible 300 1 Fiber-Cement Siding yes
1949 460,000 Metal Roof 2,320 3 $5000 to $10,000 Deductible 3340 8 Brick siding No
1977 320,000 Wood Shake Roof 1,970 3 $5000 to $10,000 Deductible 3680 12 Stone Siding No
1945 760,000 Asphalt Shingles Roof 4,740 5 > $10,000 Deductible 10050 10 Stucco siding No
1987 435,000 Composition Roof 2,370 4 > $10,000 Deductible 1460 3 Vinyl siding yes
1977 465,000 Wood Shake Roof 2,880 4 $500 Deductible 5540 7 Vinyl siding No
1992 245,000 Asphalt Shingles Roof 1,770 4 $500- $1000 Deductible 1630 4 Stone Siding yes
1947 670,000 Shingles Roof 4,820 5 > $10,000 Deductible 3680 6 Fiber-Cement Siding yes
1999 350,000 Tile Roof 2,400 4 $5000 to $10,000 Deductible 3430 12 Stone Siding No
1988 290,000 Membrane Roof 2,050 3 > $10,000 Deductible 1100 5 Stucco siding No
1947 360,000 Shingles Roof 2,430 4 $1000-$2500 Deductible 4500 12 Stucco siding yes
1986 225,000 Slate Shingles Roof 1,350 3 > $10,000 Deductible 490 2 Vinyl siding No
1970 205,000 Asphalt Shingles Roof 1,490 3 $500 Deductible 2470 8 Stone Siding yes
1950 510,000 Asphalt Shingles Roof 3,790 5 $500- $1000 Deductible 2540 4 Fiber-Cement Siding No
1980 370,000 Metal Roof 2,100 4 $500 Deductible 6070 12 Stone Siding yes