Port St. Joe Insurance Rates:

Port St. Joe, FL homeowners insurance is roughly $985 to $1,348, about $82-$112/month. Our thorough analysis reveals consumers can save upto $466 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Port St. Joe, FL Homeowners Insurance By Home Value

Port St. Joe, FL Home Value Total Homes % of Total Average Port St. Joe, FL Homeowners Insurance
Less than $50,000 373 17.0% $174
$50,000 to $59,999 76 3.0% $384
$60,000 to $69,999 86 4.0% $466
$70,000 to $79,999 64 2.0% $548
$80,000 to $89,999 34 1.0% $617
$90,000 to $99,999 62 2.0% $687
$100,000 to $124,999 255 11.0% $804
$125,000 to $149,999 152 7.0% $1002
$150,000 to $174,999 224 10.0% $1189
$175,000 to $199,999 133 6.0% $1364
$200,000 to $249,999 232 10.0% $1644
$250,000 to $299,999 186 8.0% $2017
$300,000 to $399,999 263 12.0% $2565

Top Home Insurance Agents Near Port St. Joe, FL

Home Insurance Company Near Port St. Joe, FL Homeowners Insurance Agency Near Port St. Joe, FL Address
NA Brown Insurance Services, Llc 1418 W 23Rd Ste Ste 200 Panama City, Panama City, FL, 32405
NA Brightway Insurance, Inc. Dba D&K Insurance Group, Llc 855 E 23Rd St Panama City, Panama City, FL, 32405
Allstate Fisher Brn Pnma Cy 114 Harrison Ave, Panama City, FL, 32401
Travelers Hannon Insurance Agency 221 REID AVE, PORT ST JOE, FL, 32456
Allstate Joey Kirkland 3 Miracle Strip Loop Ste B, Panama City Beach, FL, 32407

Cost Of Homeowners Insurance By Street Near Port St. Joe, FL

Streets in Port St. Joe Area Homeowners Insurance Cost
W Morgan St, Bass St, Cape Dunes Dr, Conch St, Indian Pass Rd, Alabama Ave, Snapper St, Pridgeon Rd, Williams Ave, Olive Ave$1,159
Columbus St, Polaris Dr, Martin Luther King Blvd, Hayes Ave, Woodward Ave, Sea Pines Ln, Driftwood Ave, Royal St, Seacliff Dr, 10th St$1,168
Old Dynamite Dock Rd, Pondview Cir, E 4th St, S Canal Dr, Library Dr, Betty Dr, Broad St, Ponce de Leon St, Village Dr, Pearch St$1,155
Third St, Seahorse Dr, Clifford Sims Dr, Secluded Dunes Dr, Tyler Ter, Osprey Rd, Bayberry Dr, Shark Dr, Battles St, Plantation Dr$1,166
Marvin Ave, Co Rd 387, Haven Rd, N Turkey Ave, Mace Martin Rd, Twelfth St, E Rogers Rd, Scrub Oak St, Ponderosa Pine Dr, Floating Bridge Rd$1,172
State Hwy 30, S Oak St, S Osceola St, Bonnet St, 20th St, Painted Pony Rd, Palm Blvd, State Hwy 30E, Porpose Ave, Pluto Way$1,173
Bay View Dr, Industrial Rd, Rosemary Ct, Sailors Cove Dr, Kim Ave, Rutherford St, Seagrass Cir, Redfish St, Narvaez St, Cobia Ave$1,165
Magellan St, Dolphin St, Emerald Isle Dr, Catamaran Dr, Cafe Barn Rd, Barbara Dr, Buccaneer Dr, Cord Grass Way, 16th St, McClelland Ave$1,173
Butler Bay Rd, Avenue E, Parker Ave, Willow St, Periwinkle Dr, Twentieth St, Thirteenth St, Hidden Ridge Rd, E Beatty Ave, Griffin Ave$1,153
Siesta Dr, Coral Dr, Starfish Ave, Old Bay City Rd, Liberty St, Yaupon St, Buckridge Rd, Quarter Horse St, Sixth St, Court St$1,177

Port St. Joe, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Port St. Joe$173 to $176
Gulf County$172
Wewahitchka$169
Mexico Beach$181

Port St. Joe, 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
Gulf County, Florida $172 $229 $344
Wewahitchka CCD, Gulf County, Florida $169 $225 $338
Mexico Beach CCD, Bay County, Florida $181 $241 $362

Port St. Joe, 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
Port St. Joe, FL6.2%22.2%
Gulf County7.43%26.33%
Wewahitchka8.62%29.63%
Mexico Beach4.57%17.51%

Port St. Joe Renters Insurance as a Percentage of Rent

Port St. Joe Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 19 2.0% $788
$300 to $499 27 3.0% $1238
$500 to $749 339 46.0% $1913
$750 to $999 199 27.0% $2663
$1,000 to $1,499 90 12.0% $3788
$1,500 or more 49 6.0% $5438

Average Cost Of Home Insurance By Company In Areas Nearby Port St. Joe For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Auto Club Insurance $3,030
150,000 27 NO Federated National Insurance $2,945
150,000 27 NO Florida Family Insurance $2,635
150,000 27 NO Liberty Mutual Fire Insurance $3,621
150,000 27 NO Safeway Property Insurance $2,581
150,000 27 NO Southern Fidelity Insurance $2,301
150,000 27 NO Tower Hill Preferred Insurance $2,797
150,000 27 NO United Property & Casualty Insurance $2,446
150,000 27 NO Universal Insurance $3,354
150,000 27 YES Auto Club Insurance $1,555
150,000 27 YES Florida Peninsula Insurance $1,523
150,000 27 YES Liberty Mutual Fire Insurance $2,552
150,000 27 YES Security First Insurance $916
150,000 27 YES Tower Hill Preferred Insurance $1,492
300,000 12 NA First Community Insurance $2,961
300,000 12 NA Florida Family Insurance $2,706
300,000 12 NA Florida Farm Bureau Casualty Insurance $1,922
300,000 12 NA Florida Peninsula Insurance $2,450
300,000 12 NA Stillwater Property And Casualty Insurance $1,935
300,000 12 NA Tower Hill Prime Insurance $1,789

Port St. Joe, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$8,700
Yearly Port St. Joe Homeowner Insurance Premium Example $4,100$2,500
Out of Pocket Expense During Claim$700$8,700
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $25,300$23,700
Net Savings to Port St. Joe Home Owner from High Deductible Plan $1,600

Port St. Joe, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Port St. Joe, FL Home Replacement Value MORE than Home Value Port St. Joe, FL Home Replacement Value LESS than Home Value
Replacement Value $183,000 $140,500
Insurance Premium based on Replacement Value $3,250 $2,500
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $23,000 Risk Exposure from Under Insuring Coverage is $19,500
Premium Impact Insurance cheaper by $350/year Insurance costlier by $400/year

Example Port St. Joe Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceGEICO InsuranceState Farm
Monthly Premium 119370388
Year Built 198320131998
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $100000-$125000$200000-$250000$200000-$250000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Port St. Joe, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2008 140,000 Slate Shingles Roof 1,240 3 $500 Deductible 1610 7 Wood siding yes
2012 245,000 Slate Shingles Roof 3,160 4 > $10,000 Deductible 1650 8 Fiber-Cement Siding No
2013 270,000 Shingles Roof 2,780 5 $5000 to $10,000 Deductible 540 2 Brick siding No
2014 455,000 Metal Roof 4,990 5 $5000 to $10,000 Deductible 1700 5 Stone Siding yes
2000 525,000 Metal Roof 4,810 5 $1000-$2500 Deductible 6300 12 Vinyl siding yes
1986 235,000 Wood Shake Roof 2,770 4 $1000-$2500 Deductible 1240 4 Brick siding yes
1987 235,000 Membrane Roof 2,110 3 $500 Deductible 3670 10 Fiber-Cement Siding No
1984 235,000 Membrane Roof 2,070 4 $500 Deductible 4030 10 Vinyl siding yes
2009 135,000 Asphalt Shingles Roof 1,650 5 $500 Deductible 1350 6 Wood siding No
1968 360,000 Membrane Roof 4,750 5 $500- $1000 Deductible 5360 9 Brick siding No
1960 180,000 Asphalt Shingles Roof 1,930 4 $1000-$2500 Deductible 2720 8 Fiber-Cement Siding yes
1995 165,000 Membrane Roof 2,160 3 $1000-$2500 Deductible 3620 12 Wood siding yes
2004 300,000 Wood Shake Roof 2,770 5 $500 Deductible 4960 8 Wood siding No
1992 155,000 Shingles Roof 1,920 5 $500- $1000 Deductible 2200 9 Stucco siding yes
1993 250,000 Metal Roof 2,820 4 $500- $1000 Deductible 1320 4 Fiber-Cement Siding yes
2005 230,000 Wood Shake Roof 2,190 4 > $10,000 Deductible 1430 7 Fiber-Cement Siding yes
2004 170,000 Slate Shingles Roof 1,680 3 $500- $1000 Deductible 380 2 Vinyl siding No
2009 275,000 Composition Roof 3,150 4 $500 Deductible 3440 8 Fiber-Cement Siding yes
1961 135,000 Wood Shake Roof 1,650 5 $1000-$2500 Deductible 170 1 Brick siding No
2011 130,000 Membrane Roof 1,610 3 $2500-$5000 Deductible 2800 12 Stone Siding No
1960 355,000 Slate Shingles Roof 3,360 5 $5000 to $10,000 Deductible 4370 12 Vinyl siding No
1981 265,000 Membrane Roof 3,410 5 $1000-$2500 Deductible 1700 4 Brick siding No
2011 195,000 Metal Roof 1,870 3 $1000-$2500 Deductible 2890 8 Brick siding yes
1987 375,000 Shingles Roof 4,490 5 $500 Deductible 4900 6 Stucco siding yes
1998 405,000 Wood Shake Roof 3,550 5 $5000 to $10,000 Deductible 1950 5 Brick siding No
1997 165,000 Asphalt Shingles Roof 2,090 4 $500- $1000 Deductible 1750 8 Vinyl siding yes
1969 160,000 Composition Roof 2,080 4 $2500-$5000 Deductible 1070 6 Fiber-Cement Siding yes
2011 265,000 Wood Shake Roof 2,760 4 $2500-$5000 Deductible 4550 12 Vinyl siding yes
1993 140,000 Shingles Roof 1,630 4 $2500-$5000 Deductible 2680 12 Brick siding yes
2010 205,000 Wood Shake Roof 1,860 3 $5000 to $10,000 Deductible 2700 12 Fiber-Cement Siding No
1993 210,000 Slate Shingles Roof 2,020 5 $1000-$2500 Deductible 2880 9 Brick siding yes
1989 415,000 Tile Roof 3,720 5 $2500-$5000 Deductible 4010 6 Stucco siding No
1964 245,000 Slate Shingles Roof 2,540 4 $2500-$5000 Deductible 2470 9 Wood siding yes
1966 105,000 Wood Shake Roof 1,250 3 $500 Deductible 1360 8 Vinyl siding yes