Palatka Insurance Rates:

Palatka, FL homeowners insurance is approximately $964 to $1,314, about $80-$109/month. Our detailed analysis reveals consumers can save as much as $455 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
Their website isn't too great, but when we run into an issue or just want to change some information they always tell us to come down to their office in person. This is inconvenient and I'd much rather have a company who can simply do these things online for convenience.
Citizens Property Insurance
They have not set up offices in the major towns. They have only a few offices where we can approach them physically.
State Farm
There isn't much communication but it's ok.
People's Trust Insurance
Every time I've called I have been able to get a real human. They've usually been helpful and either solved my problem or directed me to someone who could.
Usaa
I have been concerned lately that my premium is higher than others I know who have different insurance companies. It seems like my premium goes up a little every year.

Palatka, FL Homeowners Insurance By Home Value

Palatka, FL Home Value Total Homes % of Total Average Palatka, FL Homeowners Insurance
Less than $50,000 812 14.0% $250
$50,000 to $59,999 367 6.0% $523
$60,000 to $69,999 412 7.0% $649
$70,000 to $79,999 342 5.0% $751
$80,000 to $89,999 421 7.0% $842
$90,000 to $99,999 299 5.0% $945
$100,000 to $124,999 654 11.0% $1093
$125,000 to $149,999 481 8.0% $1378
$150,000 to $174,999 570 9.0% $1628
$175,000 to $199,999 353 6.0% $1879
$200,000 to $249,999 536 9.0% $2255
$250,000 to $299,999 325 5.0% $2756
$300,000 to $399,999 212 3.0% $3508

Top Home Insurance Agents Near Palatka, FL

Home Insurance Company Near Palatka, FL Homeowners Insurance Agency Near Palatka, FL Address
NA L B Bryan & Company 3036-A Harbor Dr 3036-A Harbor Dr St Augustine, St. Augustine, FL, 32085
NA Allen & Kirk Insurance Agency Llc Dba Home Tree Insurance Agency 3063 Hartley Rd 3063 Hartley Rd, Jacksonville, FL, 32257
Liberty Mutual Independent Bissell & Associates Ins Inc 3305 HENDRICKS AV, JACKSONVILLE, FL, 32207
Travelers Capital Partners Ins & Financial Svcs Inc 298 S Nova Rd, Ste F Ormond Beach, Ormond Beach, FL, 32174
State Farm Ken Henley 119 North 4th Street, Palatka, FL, 32177-3727

Cost Of Homeowners Insurance By Street Near Palatka, FL

Streets in Palatka Area Homeowners Insurance Cost
N Sixth St, Gelis St, Raintree Woods Trl, Sparrow Trl, Foxwood Ln, Stokes Landing Rd, Doe Trl, Timberview Dr, Peniel Church Rd, Hwy 19 S$1,179
Laurel St, S Main St, Beech St, S Eighth St, Heidt Trl, Mango Dr, S 14th St, Lainey Ln, Butler Ln, N 19th St$1,126
Zeagler Dr, Palma Ceia Ter, Lundy Rd, Highlawn Ave, Gaskin Rd, Dogwood Ln, Phillips Dairy Rd, Tanners Wood Cir, SE 8th Ave, Heidt Loop Rd$1,146
Pecan Grove Rd, Roselle Ave, Kirby St, Harbor Farms Dr, Lazy Ln, Robinson Ave, Belmont Dr, St Co Rd 214, Mackerel St, N 17th St$1,136
Devils Elbow, Denise Cir, Lemon Ln, Daisy Trl, Powell St, Palmetto Bluff Rd, Ashbrooke Ln, Kate St, Co Rd 214, Ellis Dr$1,143

Palatka, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Palatka$170 to $173
East Palatka$173
Putnam County$169
Interlachen-Florahome$168

Palatka, 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
East Palatka CCD, Putnam County, Florida $144 $192 $288
Putnam County, Florida $141 $188 $282
Green Cove Springs CCD, Clay County, Florida $145 $193 $289

Palatka, 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
Palatka, FL8.8%29.1%
East Palatka10.15%29.41%
Putnam County9.68%30.85%
Green Cove Springs7.12%23.48%

Palatka Renters Insurance as a Percentage of Rent

Palatka Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 176 6.0% $345
$200 to $299 264 9.0% $795
$300 to $499 502 17.0% $1245
$500 to $749 1,023 35.0% $1920
$750 to $999 623 21.0% $2670
$1,000 to $1,499 316 10.0% $3795

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO American Integrity Insurance $1,271
150,000 27 NO Castle Key Indemnity Company Insurance $1,743
150,000 27 NO First Protective Insurance $1,153
150,000 27 NO Florida Family Insurance $1,335
150,000 27 NO Florida Peninsula Insurance $845
150,000 27 NO Southern Oak Insurance $1,243
150,000 27 NO Universal Property & Casualty Insurance $1,078
150,000 27 YES American Integrity Insurance $985
150,000 27 YES Castle Key Indemnity Company Insurance $1,483
150,000 27 YES Safeway Property Insurance $932
150,000 27 YES Tower Hill Preferred Insurance $938
150,000 27 YES Tower Hill Prime Insurance $727
150,000 27 YES Tower Hill Signature Insurance $1,120
300,000 12 NA American Traditions Insurance $963
300,000 12 NA Auto Club Insurance $1,615
300,000 12 NA First Community Insurance $1,736
300,000 12 NA First Protective Insurance $1,273
300,000 12 NA Safeway Property Insurance $1,067
300,000 12 NA St. Johns Insurance $1,018
300,000 12 NA State Farm Florida Insurance $2,579

Palatka, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$4,100
Yearly Palatka Homeowner Insurance Premium Example $9,600$8,100
Out of Pocket Expense During Claim$1,100$4,100
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $29,900$28,400
Net Savings to Palatka Home Owner from High Deductible Plan $1,500

Palatka, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Palatka, FL Home Replacement Value MORE than Home Value Palatka, FL Home Replacement Value LESS than Home Value
Replacement Value $211,500 $125,000
Insurance Premium based on Replacement Value $3,475 $2,050
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $48,500 Risk Exposure from Under Insuring Coverage is $38,000
Premium Impact Insurance cheaper by $625/year Insurance costlier by $800/year

Example Palatka Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmTravelersLiberty Mutual
Monthly Premium 216159535
Year Built 198819602014
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $150000-$175000$100000-$125000$300000-$350000
Deductible $2500-$5000 Deductible$1000-$2500 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2012 265,000 Wood Shake Roof 3,420 5 $2500-$5000 Deductible 320 1 Wood siding No
1983 155,000 Wood Shake Roof 1,720 3 $2500-$5000 Deductible 240 1 Vinyl siding yes
1973 150,000 Tile Roof 2,090 4 $500 Deductible 2340 9 Stucco siding No
1994 180,000 Composition Roof 2,590 4 $5000 to $10,000 Deductible 1100 6 Brick siding No
2010 110,000 Membrane Roof 1,220 3 $500 Deductible 1300 8 Wood siding No
2009 230,000 Metal Roof 2,530 4 $5000 to $10,000 Deductible 2230 8 Brick siding No
1987 190,000 Tile Roof 2,850 4 $1000-$2500 Deductible 530 2 Brick siding yes
2004 150,000 Slate Shingles Roof 1,780 3 $500 Deductible 3860 12 Fiber-Cement Siding yes
1992 220,000 Wood Shake Roof 3,200 5 $500- $1000 Deductible 1040 3 Stone Siding yes
2010 170,000 Wood Shake Roof 2,760 5 $500- $1000 Deductible 650 2 Fiber-Cement Siding No
1962 245,000 Slate Shingles Roof 3,110 5 $1000-$2500 Deductible 1050 3 Brick siding yes
1980 370,000 Wood Shake Roof 4,720 5 $5000 to $10,000 Deductible 2620 9 Vinyl siding No
1989 165,000 Wood Shake Roof 2,380 4 $2500-$5000 Deductible 1960 9 Stone Siding No
1994 135,000 Asphalt Shingles Roof 1,680 5 $2500-$5000 Deductible 380 2 Stucco siding yes
2001 160,000 Membrane Roof 2,250 4 $2500-$5000 Deductible 2320 10 Stone Siding yes
1983 130,000 Wood Shake Roof 1,540 5 $2500-$5000 Deductible 660 4 Fiber-Cement Siding No
1995 165,000 Slate Shingles Roof 1,870 3 $500- $1000 Deductible 770 3 Brick siding No
1998 140,000 Slate Shingles Roof 1,610 3 $500- $1000 Deductible 370 2 Fiber-Cement Siding yes
1985 180,000 Shingles Roof 2,560 4 $2500-$5000 Deductible 390 2 Fiber-Cement Siding No
1999 170,000 Asphalt Shingles Roof 2,480 4 $5000 to $10,000 Deductible 1040 7 Stucco siding yes
1992 155,000 Shingles Roof 2,020 3 $2500-$5000 Deductible 410 2 Brick siding No
1987 165,000 Membrane Roof 2,130 5 $1000-$2500 Deductible 410 2 Wood siding yes
2010 155,000 Composition Roof 1,800 3 $2500-$5000 Deductible 2990 12 Stucco siding No
1976 190,000 Asphalt Shingles Roof 2,120 4 $500 Deductible 3230 12 Vinyl siding No
2010 320,000 Slate Shingles Roof 4,530 5 $5000 to $10,000 Deductible 2890 8 Brick siding yes
1977 150,000 Metal Roof 1,940 4 $1000-$2500 Deductible 1360 6 Brick siding yes
2011 335,000 Membrane Roof 4,670 5 $500- $1000 Deductible 7990 12 Wood siding yes
1989 265,000 Tile Roof 2,950 5 $2500-$5000 Deductible 3310 10 Brick siding No
1990 110,000 Tile Roof 1,750 4 $1000-$2500 Deductible 420 3 Brick siding No
1976 110,000 Asphalt Shingles Roof 1,230 3 $500 Deductible 380 2 Brick siding No
2009 385,000 Metal Roof 4,620 5 $1000-$2500 Deductible 4850 10 Brick siding No
2002 175,000 Tile Roof 2,080 3 $2500-$5000 Deductible 1360 8 Stone Siding yes
1972 95,000 Metal Roof 1,500 5 $500 Deductible 580 4 Vinyl siding No
2010 170,000 Metal Roof 2,180 4 $5000 to $10,000 Deductible 170 1 Fiber-Cement Siding No