Ruskin Insurance Rates:

Ruskin, FL homeowners insurance is roughly $984 to $1,334, about $82-$111/month. Our comprehensive guide indicates shoppers can save as much as $463 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Travelers
I would recommend this company for home insurance as they are always there to answer any of my questions throughout the day along with giving me all information clearly as well as offering a great policy.
Allstate
I will definitely recommend this home insurance company for my friends.
Nationwide
Compared to Geico I think nationwide is about the same in terms of what you're getting. Geico is cheaper and a little easier to use online.
State Farm
They are very comparable to other home insurance policies for the same coverage. With my agent, I think I pay a little more that some of the more dubious companies like Progressive.
Usaa
I would recommend this company to anyone because they actually appear to care about your needs.
State Farm
Sometimes the phone lines are busy for a long time and i am on hold for a while just waiting to get a real person.
State Farm
State farm has always been a very responsive, well priced insurance carrier for my home. during the hurricane's that we're so used to in south florida, they are always very communicative before and after the storm
Assurant Specialty Property
I had some major issues when requesting a refund for a property that i no longer owned. the money was sent to an old bank account and wasn't recovered for some time.
Allstate
The communication has been great. There are complaints that I can think of about my current company. Overall satisfied with the service
Progressive
Our rate has increased only minimally for the 10 years we have lived here. They are easy to get contact and update information over the phone.
Prudential
I think that this insurance company does very well with its new customers as it offers the best tools for new homeowners.
Liberty Mutual
I like that I can access my policies and claims 24 hours a day and 7 days a week and pay online if needed.
Allstate
I like that it is very affordable without feeling like it's too cheap and not going to help me. It seems like the perfect mix of affordability and quality.
Allstate
I would recommend my home insurance company because its offerings are comparable to that of other companies, the cost is fair, and the customer service has been generally good.

Ruskin, FL Homeowners Insurance By Home Value

Ruskin, FL Home Value Total Homes % of Total Average Ruskin, FL Homeowners Insurance
Less than $50,000 1,794 9.0% $197
$50,000 to $59,999 561 3.0% $405
$60,000 to $69,999 632 3.0% $509
$70,000 to $79,999 739 3.0% $591
$80,000 to $89,999 1,138 6.0% $672
$90,000 to $99,999 873 4.0% $741
$100,000 to $124,999 2,164 11.0% $869
$125,000 to $149,999 2,513 13.0% $1077
$150,000 to $174,999 2,582 13.0% $1274
$175,000 to $199,999 1,364 7.0% $1483
$200,000 to $249,999 1,739 9.0% $1784
$250,000 to $299,999 1,167 6.0% $2178
$300,000 to $399,999 1,362 7.0% $2770

Top Home Insurance Agents Near Ruskin, FL

Home Insurance Company Near Ruskin, FL Homeowners Insurance Agency Near Ruskin, FL Address
NA We Insure Florida, Inc. 1845 Collier Pkwy , Lutz, FL, 33549
NA Hap's Cycle Sales Inc 2530 17Th St, Sarasota, FL, 34234
State Farm Elizabeth Lawson 4342 Duhme Rd, Madeira Beach, FL, 33708-2809
State Farm Katherine Jones 575 South Hercules Avenue, Clearwater, FL, 33764-6345
Liberty Mutual Independent Willis Of Florida 3000 Bayport Dr Ste 300, Tampa, FL, 33607

Ruskin, FL Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Ruskin, FL

Streets in Ruskin Area Homeowners Insurance Cost
Grayston Pl, 24th St SE, Luminar Pointe Ln, Greenview Dr, 16th Ave SE, Flamingo Dr, 21st Ave SW, Gulf City Rd, Corinth Greens Dr, Nantucket Field Way$1,120
Red Mangrove Ln, Bahia del Sol Dr, Captiva Ct, 39th Ave SE, Aloha Blvd, Honolulu Loop, Latham Ln, 8th St SW, Washita Stone Dr, Alhambra Crest Dr$1,097
Vine Cliff St, Bayview Dr, Pier Dr, Harbor Blue St, Modica Dr, Gardenia Landings Ln, 1st St SW, Palmas Ln, Eastloch Ct, 9th St NE$1,171
N Pebble Beach Blvd, Lytle St SW, Sterling Glen Ct, N Halcyn Dr, Metro Dr, Delano Trent St, 10th St, 19th St NW, 7th Ave NW, Staffordshire Ln$1,147
Oceanside Cir, 18th Ave SE, Dakota Sky Pl, Brighton Shore Dr, Andover Pl N, 2nd Ave NW, la Jolla Ave, E Brockton Pl, Locksley St, Wild Feather Ln$1,121
Fish Lips Ln, del Webb Blvd W, Layton Ct, Cypress Village Blvd, Princeton Greens Ct, Fairway Ridge Ct, 27th Ave SE, el Rancho Dr, Diamante Ct, 13th St SW$1,161
Bahia Beach Blvd, 6th St SE, 40th Ave SE, 11th St SW, Monmouth Dr, Alcazar Ct, 11th Ave NW, Seagrass Pl, W Shell Point Dr, 22nd St NW$1,194
E College Ave, Bonita Bluff Ct, 9th Ave SW, Simmons Way, Radison Ave, Fern Leaf Dr, Hampshire Garden Pl, Neilan Dr, Piney Pt, Northway Dr$1,199
Cresta Ct, Old US Hwy 41 S, Green Manor Dr, Shenandoah Rd, Orca Ct, Carson White Ln, Interchange St, 30th St SE, 8th Ave SW, Sunset Crest Ct$1,150
5th Ave NW, Rex Hall Ln, McCallister Ave, 30th Ave SE, Orchard Park Cir, 33rd Ave SE, Sedgewick Ct, Universal Dr, Caloosa Woods Ln, Laguna Mill Dr$1,145

Ruskin, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Ruskin$173 to $176
Apollo Beach$179
Palmetto$170
Memphis$171

Ruskin, 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
Apollo Beach CDP, Florida $179 $239 $359
Palmetto CCD, Manatee County, Florida $170 $227 $341
Memphis CDP, Florida $172 $229 $344

Ruskin, 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
Ruskin, FL6.5%19.6%
Apollo Beach5.33%16.69%
Palmetto6.82%25.56%
Memphis7.74%29.36%

Ruskin Renters Insurance as a Percentage of Rent

Ruskin Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 94 2.0% $790
$300 to $499 141 3.0% $1240
$500 to $749 799 17.0% $1915
$750 to $999 775 16.0% $2665
$1,000 to $1,499 1,020 22.0% $3790
$1,500 or more 1,758 38.0% $5440

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Asi Preferred Insurance $2,486
150,000 27 NO Auto Club Insurance $3,979
150,000 27 NO First Community Insurance $2,275
150,000 27 NO First Protective Insurance $2,012
150,000 27 YES Auto Club Insurance $2,716
150,000 27 YES Stillwater Property And Casualty Insurance $1,593
300,000 12 NA Tower Hill Select Insurance $2,567
300,000 12 NA Tower Hill Signature Insurance $2,829

Ruskin, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$2,600
Yearly Ruskin Homeowner Insurance Premium Example $4,700$4,200
Out of Pocket Expense During Claim$600$2,600
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $24,100$23,600
Net Savings to Ruskin Home Owner from High Deductible Plan $500

Ruskin, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Ruskin, FL Home Replacement Value MORE than Home Value Ruskin, FL Home Replacement Value LESS than Home Value
Replacement Value $122,000 $83,500
Insurance Premium based on Replacement Value $2,325 $1,575
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $26,500 Risk Exposure from Under Insuring Coverage is $12,000
Premium Impact Insurance cheaper by $225/year Insurance costlier by $525/year

Example Ruskin Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualTravelersAllstate
Monthly Premium 135263307
Year Built 201419821991
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $100000-$125000$250000-$300000$200000-$250000
Deductible $2500-$5000 Deductible> $10,000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2011 415,000 Slate Shingles Roof 4,120 5 > $10,000 Deductible 2440 8 Stone Siding No
1992 230,000 Wood Shake Roof 2,970 5 $1000-$2500 Deductible 2380 9 Fiber-Cement Siding yes
2011 150,000 Composition Roof 1,620 3 $1000-$2500 Deductible 1030 5 Stone Siding yes
2007 190,000 Slate Shingles Roof 1,780 3 $5000 to $10,000 Deductible 1320 8 Stone Siding yes
2014 330,000 Metal Roof 3,340 4 $500 Deductible 4720 8 Stucco siding No
1987 200,000 Membrane Roof 2,740 5 $1000-$2500 Deductible 1770 9 Stucco siding yes
1989 185,000 Tile Roof 1,900 3 $5000 to $10,000 Deductible 320 2 Stone Siding No
1983 225,000 Shingles Roof 2,190 3 $500- $1000 Deductible 3430 9 Vinyl siding yes
2011 220,000 Shingles Roof 2,200 3 $500- $1000 Deductible 2210 8 Fiber-Cement Siding No
1980 225,000 Tile Roof 2,140 3 $500- $1000 Deductible 2790 7 Fiber-Cement Siding yes
1982 380,000 Wood Shake Roof 3,700 5 > $10,000 Deductible 3700 10 Stone Siding yes
2014 210,000 Composition Roof 2,200 5 $5000 to $10,000 Deductible 2070 10 Vinyl siding No
1985 260,000 Tile Roof 2,630 4 $5000 to $10,000 Deductible 1820 7 Stucco siding No
2013 160,000 Membrane Roof 1,680 3 $500- $1000 Deductible 440 2 Stone Siding No
1994 300,000 Tile Roof 3,690 5 > $10,000 Deductible 2450 9 Stucco siding No
1986 285,000 Slate Shingles Roof 3,270 5 > $10,000 Deductible 2850 10 Fiber-Cement Siding No
1995 135,000 Composition Roof 1,540 3 $500 Deductible 1900 8 Stucco siding No
2010 365,000 Membrane Roof 4,400 5 $1000-$2500 Deductible 1150 2 Fiber-Cement Siding No
2011 165,000 Slate Shingles Roof 1,600 5 $1000-$2500 Deductible 2230 9 Wood siding No
2004 470,000 Shingles Roof 4,560 5 > $10,000 Deductible 1140 2 Stone Siding yes
2010 230,000 Tile Roof 2,310 3 $1000-$2500 Deductible 1550 6 Vinyl siding yes
1985 175,000 Wood Shake Roof 2,240 4 $500- $1000 Deductible 2860 8 Fiber-Cement Siding No
2007 185,000 Shingles Roof 2,090 3 $1000-$2500 Deductible 2300 7 Stucco siding yes
2006 110,000 Slate Shingles Roof 1,380 3 $500- $1000 Deductible 2060 10 Wood siding yes
2005 195,000 Metal Roof 2,220 5 $500- $1000 Deductible 1940 8 Wood siding yes
1994 165,000 Membrane Roof 1,680 3 $1000-$2500 Deductible 1000 4 Stucco siding No
1984 175,000 Slate Shingles Roof 2,280 3 $1000-$2500 Deductible 1580 5 Fiber-Cement Siding yes
1995 415,000 Slate Shingles Roof 4,170 5 $1000-$2500 Deductible 2870 5 Brick siding yes
2012 305,000 Tile Roof 3,900 5 $500 Deductible 1400 3 Stone Siding No
1998 130,000 Asphalt Shingles Roof 1,450 3 $500- $1000 Deductible 610 3 Vinyl siding yes
2013 255,000 Membrane Roof 2,370 3 $1000-$2500 Deductible 380 1 Stucco siding No
2014 120,000 Shingles Roof 1,410 3 $500 Deductible 430 2 Vinyl siding No
2009 170,000 Wood Shake Roof 2,080 3 $1000-$2500 Deductible 1110 4 Wood siding No
1994 215,000 Wood Shake Roof 2,720 4 $5000 to $10,000 Deductible 220 1 Stucco siding No

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