St. Augustine Beach Insurance Rates:

St. Augustine Beach, FL homeowners insurance is roughly $1,049 to $1,448, about $87-$120/month. Our all inclusive analysis reveals consumers can save upto $499 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

St. Augustine Beach, FL Homeowners Insurance By Home Value

St. Augustine Beach, FL Home Value Total Homes % of Total Average St. Augustine Beach, FL Homeowners Insurance
$90,000 to $99,999 72 4.0% $386
$125,000 to $149,999 61 3.0% $574
$150,000 to $174,999 200 13.0% $673
$175,000 to $199,999 83 5.0% $786
$200,000 to $249,999 186 12.0% $936
$250,000 to $299,999 338 21.0% $1148
$300,000 to $399,999 548 35.0% $1460

Top Home Insurance Agents Near St. Augustine Beach, FL

Home Insurance Company Near St. Augustine Beach, FL Homeowners Insurance Agency Near St. Augustine Beach, FL Address
NA Tomlinson & Co., Inc. 1734 Kingsley Ave #4 , Orange Park, FL, 32073
Liberty Mutual Independent Business & Auto Ins Specialist 5111 CRILL AVE, PALATKA, FL, 32177
Liberty Mutual Diane Whittington 11112 San Jose Boulevard Suite 32, Jacksonville, FL, 32223
Allstate Felisha Foote 2640 Blanding Blvd Ste 206, Middleburg, FL, 32068
State Farm Yuleen Broome 3120 Atlantic Blvd, Jacksonville, FL, 32207-8814

Cost Of Homeowners Insurance By Street Near St. Augustine Beach, FL

Streets in St. Augustine Beach Area Homeowners Insurance Cost
10th St, D Ln, Village Las Palmas Cir, Beach St, Versaggi Dr, Laughing Gull Cir, Barefoot Beach Ln, Island Hammock Way, Woodland Ave, Agnes Cir E$1,254
Old Beach Rd, Kimberly Ln, Lockhart Ln, Oceanside Dr, 8th St, Rosewood St, Hoot Owl Ct, Ocean Gate Ln, Pacifica Vista Way, Sea Fair Dr$1,244
Amberjack Ln, Pope Rd, Turnberry Ln, Azalea Ct, Dondanville Rd, Bowers Ct, Atlantic Oaks Cir, Ocean Trace Rd, Minnie St, 16th St$1,248
Sandy Beach Cir, Poinsettia St, Bailey Bunker Ct, Sunset Cir S, 12th St, 11th St, Caribe Vista Way, Ocean Pines Dr, Mulligan Way, Brigantine Ct$1,259
2nd Ln, Sea Oaks Pl, Floridian Ave, Orange Ave, Schooner Ct, Montigo Bay Ct, Biscayne Ave, 14th St, Jellison Rd, Linda Mar Dr$1,236

St. Augustine Beach, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
St. Augustine Beach$185 to $189
St. Augustine South$175
Butler Beach$188
Matanzas$178

St. Augustine Beach, 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
St. Augustine South CDP, Florida $146 $195 $292
Butler Beach CDP, Florida $157 $209 $313
St. Augustine Shores CDP, Florida $146 $195 $292

St. Augustine Beach, 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
St. Augustine Beach, FL5.9%19.0%
St. Augustine South6.63%27.86%
Butler Beach5.37%16.43%
St. Augustine Shores8.09%24.68%

St. Augustine Beach Renters Insurance as a Percentage of Rent

St. Augustine Beach Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 62 7.0% $1891
$750 to $999 234 27.0% $2641
$1,000 to $1,499 537 62.0% $3766
$1,500 or more 33 3.0% $5416

Average Cost Of Home Insurance By Company In Areas Nearby St. Augustine Beach For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO American Traditions Insurance $1,858
150,000 27 NO Florida Farm Bureau Casualty Insurance $2,034
150,000 27 NO Liberty Mutual Fire Insurance $1,792
150,000 27 NO Security First Insurance $1,057
150,000 27 NO Stillwater Property And Casualty Insurance $1,407
150,000 27 NO Tower Hill Prime Insurance $1,422
150,000 27 YES Florida Peninsula Insurance $988
150,000 27 YES State Farm Florida Insurance $1,306
150,000 27 YES Tower Hill Signature Insurance $1,096
300,000 12 NA American Integrity Insurance $1,673
300,000 12 NA Florida Farm Bureau Casualty Insurance $1,394
300,000 12 NA State Farm Florida Insurance $2,195
300,000 12 NA Stillwater Property And Casualty Insurance $1,130
300,000 12 NA Tower Hill Preferred Insurance $1,475
300,000 12 NA Tower Hill Prime Insurance $1,582
300,000 12 NA Tower Hill Signature Insurance $1,628

St. Augustine Beach, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$4,600
Yearly St. Augustine Beach Homeowner Insurance Premium Example $6,000$5,200
Out of Pocket Expense During Claim$600$4,600
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $42,600$41,000
Net Savings to St. Augustine Beach Home Owner from High Deductible Plan $1,600

St. Augustine Beach, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario St. Augustine Beach, FL Home Replacement Value MORE than Home Value St. Augustine Beach, FL Home Replacement Value LESS than Home Value
Replacement Value $444,000 $274,500
Insurance Premium based on Replacement Value $9,800 $6,075
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $86,500 Risk Exposure from Under Insuring Coverage is $83,000
Premium Impact Insurance cheaper by $1,825/year Insurance costlier by $1,900/year

Example St. Augustine Beach Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersGEICO InsuranceLiberty Mutual
Monthly Premium 534295949
Year Built 200219922014
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths4 Beds, 1 Baths
Coverage Amount $350000-$400000$200000-$250000$600000-$700000
Deductible $500- $1000 Deductible$500- $1000 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for St. Augustine Beach, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2009 215,000 Metal Roof 1,690 4 $2500-$5000 Deductible 1260 4 Wood siding No
2010 225,000 Asphalt Shingles Roof 1,390 3 $500 Deductible 1780 4 Stone Siding No
1998 315,000 Composition Roof 1,870 4 $2500-$5000 Deductible 900 2 Stucco siding No
2013 315,000 Wood Shake Roof 1,810 3 $1000-$2500 Deductible 4400 10 Fiber-Cement Siding yes
2012 235,000 Metal Roof 1,900 3 $2500-$5000 Deductible 2880 7 Wood siding No
1996 535,000 Asphalt Shingles Roof 3,080 4 $2500-$5000 Deductible 4960 10 Vinyl siding No
1997 245,000 Tile Roof 1,800 4 $2500-$5000 Deductible 2260 10 Wood siding yes
2004 415,000 Composition Roof 2,380 3 $1000-$2500 Deductible 5280 12 Fiber-Cement Siding yes
2009 350,000 Membrane Roof 2,180 4 > $10,000 Deductible 4660 12 Wood siding yes
2010 400,000 Tile Roof 2,220 4 $500 Deductible 7050 8 Brick siding yes
1992 330,000 Wood Shake Roof 2,170 4 $2500-$5000 Deductible 1380 4 Vinyl siding No
1995 365,000 Asphalt Shingles Roof 2,290 3 $500 Deductible 6900 10 Vinyl siding yes
2010 210,000 Tile Roof 1,420 3 $500- $1000 Deductible 2460 7 Fiber-Cement Siding No
2014 255,000 Metal Roof 1,530 3 $1000-$2500 Deductible 2220 5 Vinyl siding yes
2012 460,000 Metal Roof 3,060 4 $500 Deductible 3040 5 Brick siding No
1992 395,000 Membrane Roof 2,300 4 $2500-$5000 Deductible 390 1 Brick siding yes
2014 435,000 Composition Roof 2,370 3 $5000 to $10,000 Deductible 1510 4 Fiber-Cement Siding yes
1994 445,000 Composition Roof 2,620 4 $2500-$5000 Deductible 620 1 Stone Siding yes
2011 280,000 Composition Roof 2,110 4 $5000 to $10,000 Deductible 610 2 Vinyl siding yes
1997 345,000 Tile Roof 2,330 3 > $10,000 Deductible 350 1 Vinyl siding yes
1993 415,000 Asphalt Shingles Roof 2,390 3 $2500-$5000 Deductible 2610 4 Stone Siding yes
2014 555,000 Wood Shake Roof 3,180 4 $5000 to $10,000 Deductible 2730 4 Fiber-Cement Siding yes
2013 275,000 Membrane Roof 1,670 4 $5000 to $10,000 Deductible 2690 10 Stone Siding yes
2011 465,000 Asphalt Shingles Roof 3,380 4 > $10,000 Deductible 3730 8 Stucco siding yes
2014 300,000 Tile Roof 1,660 4 > $10,000 Deductible 1180 4 Wood siding yes
2014 300,000 Tile Roof 2,020 3 $5000 to $10,000 Deductible 2010 7 Stone Siding yes
2012 365,000 Slate Shingles Roof 2,090 4 $500- $1000 Deductible 930 2 Brick siding No
2003 225,000 Tile Roof 1,740 4 $500 Deductible 4600 9 Vinyl siding No
2003 460,000 Shingles Roof 2,730 4 > $10,000 Deductible 3060 9 Stucco siding yes
1999 480,000 Asphalt Shingles Roof 3,070 4 $2500-$5000 Deductible 2880 5 Fiber-Cement Siding No
1990 430,000 Composition Roof 2,700 4 $2500-$5000 Deductible 6080 12 Stone Siding yes