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.
| 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 |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Neptune Beach | $187 to $192 |
| Atlantic Beach | $190 |
| Jacksonville Beaches | $185 |
| Palm Valley | $197 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Neptune Beach, FL | 4.9% | 18.9% |
| Atlantic Beach | 5.9% | 16.05% |
| Jacksonville Beaches | 5.67% | 17.43% |
| Jacksonville Beach | 5.37% | 16.51% |
| 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% | $5411 |
| Home value ($) | 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 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | Travelers | Allstate | State Farm |
| Monthly Premium | 498 | 598 | 594 |
| Year Built | 1975 | 1952 | 1943 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 3 Baths | 5 Beds, 3 Baths |
| Coverage Amount | $300000-$350000 | $500000-$600000 | $400000-$500000 |
| Deductible | $500 Deductible | $5000 to $10,000 Deductible | $5000 to $10,000 Deductible |
| 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 |