Siesta Key Insurance Rates:

Siesta Key, FL homeowners insurance is nearly $1,171 to $1,647, about $97-$137/month. Our extensive research shows customers can save as much as $563 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Siesta Key, FL Homeowners Insurance By Home Value

Siesta Key, FL Home Value Total Homes % of Total Average Siesta Key, FL Homeowners Insurance
Less than $50,000 42 5.0% $56
$100,000 to $124,999 10 1.0% $267
$125,000 to $149,999 16 1.0% $338
$150,000 to $174,999 32 3.0% $394
$175,000 to $199,999 18 2.0% $464
$200,000 to $249,999 148 18.0% $549
$250,000 to $299,999 57 7.0% $676
$300,000 to $399,999 473 58.0% $859

Top Home Insurance Agents Near Siesta Key, FL

Home Insurance Company Near Siesta Key, FL Homeowners Insurance Agency Near Siesta Key, FL Address
Travelers Alliance Insurance Of Sarasota Inc 3658 WEBBER ST, SARASOTA, FL, 34232
Travelers Assure Llc 1931 MANATEE AVE W, BRADENTON, FL, 34205
Travelers Authority Insurance 1715 LAKEWOOD RANCH BLVD, BRADENTON, FL, 34211
Allstate Robert Lewis 216 E Robertson St, Brandon, FL, 33511
Allstate Scott P. Zaccaria 11125 Park Blvd Ste 111, Seminole, FL, 33772

Cost Of Homeowners Insurance By Street Near Siesta Key, FL

Streets in Siesta Key Area Homeowners Insurance Cost
Heron Way, Glencoe Ave, Bayou Louise Ln, Rosewood St, Cll de Costa Rica, Whispering Sands Dr, Kestral Park Ter, Peregrine Point Cir N, Roberts Point Rd, Briarwood Ave$1,320
Columbus Blvd, Worrington St, Glebe Ln, Southwood St, Pintail Way, Givens Ct, Maniac Expy, Winding Way, Cll del Invierno, Cll Miramar$1,472
Driftwood Pl, Primrose Path, Big Oak Ln, Cove II Pl, Crescent St, Red Rock Ln, Peregrine Point Cir E, S Moonmist Ct, Robinhood St, Landings Way$1,315
E Peppertree Dr, Kestral Park Way S, Cll Minorga, Sea House, Mangrove Point Rd, Beechwood Ave, Bay Rd, N Lake Shore Dr, Roberts Point Cir, Ocean Blvd$1,345
Pine Harrier Dr, N Portofino Dr, Cll del Otono, Hidden Harbor Way, Ave Messina, Plovers Way, Meadowood St, Landings Pl, Landings Blvd, Phillippi Shores Dr$1,302

Siesta Key, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Siesta Key$206 to $216
South Sarasota$185
Ridge Wood Heights$174
Gulf Gate Estates$175

Siesta Key, 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
South Sarasota CDP, Florida $155 $206 $309
Ridge Wood Heights CDP, Florida $145 $193 $290
Gulf Gate Estates CDP, Florida $146 $195 $292

Siesta Key, 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
Siesta Key, FL3.8%12.3%
South Sarasota5.05%12.48%
Ridge Wood Heights6.9%19.62%
Gulf Gate Estates6.98%24.21%

Siesta Key Renters Insurance as a Percentage of Rent

Siesta Key Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 8 1.0% $1173
$750 to $999 83 19.0% $2598
$1,000 to $1,499 85 20.0% $3723
$1,500 or more 240 57.0% $5373

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Castle Key Indemnity Company Insurance $3,532
150,000 27 NO Southern Fidelity Insurance $2,283
150,000 27 NO State Farm Florida Insurance $2,942
150,000 27 NO Stillwater Property And Casualty Insurance $2,625
150,000 27 YES Security First Insurance $1,158
150,000 27 YES Stillwater Property And Casualty Insurance $1,261
300,000 12 NA Citizens Property Insurance $1,923
300,000 12 NA Federated National Insurance $2,270
300,000 12 NA Florida Family Insurance $2,713
300,000 12 NA Universal Insurance $2,299

Siesta Key, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$4,900
Yearly Siesta Key Homeowner Insurance Premium Example $10,200$9,200
Out of Pocket Expense During Claim$900$4,900
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $51,900$50,900
Net Savings to Siesta Key Home Owner from High Deductible Plan $1,000

Siesta Key, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Siesta Key, FL Home Replacement Value MORE than Home Value Siesta Key, FL Home Replacement Value LESS than Home Value
Replacement Value $501,000 $351,500
Insurance Premium based on Replacement Value $11,375 $7,975
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $88,000 Risk Exposure from Under Insuring Coverage is $61,500
Premium Impact Insurance cheaper by $1,400/year Insurance costlier by $2,000/year

Example Siesta Key Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmGEICO InsuranceLiberty Mutual
Monthly Premium 576498776
Year Built 199819711989
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 1 Baths
Coverage Amount $400000-$500000$400000-$500000$700000-$800000
Deductible $500- $1000 Deductible$1000-$2500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1993 415,000 Composition Roof 1,350 2 $2500-$5000 Deductible 3790 9 Wood siding No
1970 350,000 Shingles Roof 1,410 2 > $10,000 Deductible 1400 6 Brick siding No
1997 765,000 Slate Shingles Roof 3,380 4 > $10,000 Deductible 3950 6 Stucco siding No
1976 1,020,000 Shingles Roof 3,340 4 $5000 to $10,000 Deductible 3810 4 Wood siding No
1994 330,000 Metal Roof 1,100 2 $500- $1000 Deductible 4970 10 Fiber-Cement Siding No
1991 240,000 Tile Roof 1,040 2 $500- $1000 Deductible 1860 5 Stucco siding No
1988 565,000 Membrane Roof 1,810 4 $2500-$5000 Deductible 9550 12 Stucco siding No
1983 370,000 Composition Roof 1,570 2 > $10,000 Deductible 1630 6 Wood siding yes
1992 675,000 Membrane Roof 2,670 4 $500- $1000 Deductible 3300 4 Fiber-Cement Siding No
1990 585,000 Slate Shingles Roof 2,270 4 > $10,000 Deductible 4100 7 Fiber-Cement Siding No
1986 530,000 Tile Roof 2,330 3 $1000-$2500 Deductible 2180 3 Fiber-Cement Siding No
1971 330,000 Membrane Roof 1,030 2 > $10,000 Deductible 590 3 Wood siding No
1998 260,000 Composition Roof 1,140 2 $5000 to $10,000 Deductible 2020 10 Wood siding yes
1990 390,000 Slate Shingles Roof 1,550 2 $500- $1000 Deductible 6530 12 Stucco siding No
1994 375,000 Membrane Roof 1,270 3 $500 Deductible 5780 8 Stucco siding No
1997 275,000 Wood Shake Roof 1,200 2 > $10,000 Deductible 1950 8 Stone Siding No
1994 245,000 Membrane Roof 1,130 2 > $10,000 Deductible 2710 10 Vinyl siding yes
1999 965,000 Metal Roof 3,130 4 > $10,000 Deductible 7590 8 Fiber-Cement Siding No
1983 235,000 Membrane Roof 1,030 2 $2500-$5000 Deductible 1130 3 Stucco siding yes
1988 245,000 Asphalt Shingles Roof 980 2 $2500-$5000 Deductible 1930 6 Stone Siding No
1988 505,000 Composition Roof 1,630 3 $500- $1000 Deductible 4520 5 Stone Siding yes
1973 380,000 Shingles Roof 1,560 3 $500 Deductible 5060 9 Stone Siding yes
1990 400,000 Wood Shake Roof 1,750 3 $500- $1000 Deductible 2040 3 Stucco siding No
1989 285,000 Composition Roof 1,250 2 > $10,000 Deductible 220 1 Vinyl siding No
1981 270,000 Wood Shake Roof 960 2 $2500-$5000 Deductible 1490 4 Stucco siding yes
1974 225,000 Wood Shake Roof 930 2 > $10,000 Deductible 220 1 Fiber-Cement Siding No
1990 690,000 Wood Shake Roof 2,390 4 $500 Deductible 8830 7 Vinyl siding yes
1997 750,000 Slate Shingles Roof 2,620 4 $500 Deductible 6760 5 Stucco siding No
1981 505,000 Tile Roof 2,040 3 $500- $1000 Deductible 7630 10 Vinyl siding yes
1983 265,000 Shingles Roof 970 2 $2500-$5000 Deductible 2180 7 Vinyl siding yes
1981 540,000 Membrane Roof 1,700 3 $500- $1000 Deductible 9610 12 Stucco siding No
1986 455,000 Tile Roof 1,900 3 $5000 to $10,000 Deductible 860 2 Stone Siding No
1999 615,000 Slate Shingles Roof 2,820 4 $500 Deductible 5880 6 Wood siding yes
1991 400,000 Slate Shingles Roof 1,800 4 $500- $1000 Deductible 580 1 Fiber-Cement Siding yes