St. Augustine ,FL Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the St. Augustine, FL homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in St. Augustine, FL is $2045. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in St. Augustine, FL. VHome Insurance will help you navigate the world of homeowners insurance coverages in St. Augustine, FL.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $818 |
| $200,000 | $1,391 |
| $300,000 | $1,718 |
| $400,000 | $2,618 |
| $500,000 | $3,292 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in St. Augustine, FL, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,097 |
| $1000 Deductible | $1,875 |
| $1500 Deductible | $1,769 |
| $2500 Deductible | $1,595 |
| $5000 Deductible | $1,350 |
| Home Insurance Company Near St. Augustine, FL | Homeowners Insurance Agency Near St. Augustine, FL | Address |
|---|---|---|
| NA | Rbh Insurance Llc Dba Ancient City Insurance | 2800 N Fifth St Ste 301 St. Augustine, St Augustine, FL, 32084 |
| GEICO | Frank Butterfield | 1600 Park Avenue Suite 2, Orange Park, FL, 32073 |
| State Farm | Kathy Scott | 6018 San Jose Blvd, Jacksonville, FL, 32217-2325 |
| Allstate | Margaret Deese | 12192 Beach Blvd Ste 6, Jacksonville, FL, 32246 |
| Travelers | Shapiro Insurance Group | 9313 OLD KINGS RD S, JACKSONVILLE, FL, 32257 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| World Golf Village CDP, Florida | $151 | $201 | $301 |
| St. Johns County, Florida | $153 | $204 | $306 |
| Villano Beach CDP, Florida | $157 | $209 | $314 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| St. Augustine, FL | 5.8% | 22.2% |
| World Golf Village | 5.4% | 17.8% |
| St. Johns County | 5.49% | 20.13% |
| Villano Beach | 5.27% | 19.01% |
| St. Augustine Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 267 | 2.0% | $1226 |
| $500 to $749 | 1,549 | 14.0% | $1901 |
| $750 to $999 | 3,195 | 30.0% | $2651 |
| $1,000 to $1,499 | 3,880 | 37.0% | $3776 |
| $1,500 or more | 1,293 | 12.0% | $5426 |
| Streets in St. Augustine Area | Homeowners Insurance Cost |
|---|---|
| Ocean Ave, Ocean Woods Dr E, W Willow Branch Ln, Magnolia Dunes Cir, Willow Falls Trl, State Hwy 5a, Coronado St, Lena St, San Nicolas Way, Sunset Cir N | $1,294 |
| Saint Augustine Blvd, Lake George Ct, Medoras Ave, N Stratton Rd, Citara Ct, Lobelia Rd, Pelican Rd, N Champions Way, Legendary Dr, 16th St | $1,219 |
| Whitehall Dr, Lewis Blvd, Azalea Ct, Kenmore Ave, Hercules Rd, Davis St, West St, Varella Ave, Powis Rd, Katnack Rd | $1,153 |
| Altedena Ave, Ocean Gate Ln, Shamrock Rd, Avista Cir, Grant St, Asturias St, S Cappero Dr, Istoria Dr, Douglas Ave, Madison St | $1,295 |
| Mayan Ter, Sea Hammock Way, Buckhorn Way, 12th St, S Hampton Club Way, Manresa Rd, Marjories Way, Murat St, Saint Johns Golf Dr, Cll Madrid | $1,219 |
| Sidney St, 2nd Ln, Sky Ridge Ct, Oxford Dr, Mission Park Ln, River of May St, Green Acres Rd Exd, Old Dixie Dr, Snail Kite Ct, Busam St | $1,211 |
| W Castillo Dr, San Juan St Exd, Kon Tiki Cir, Antler Hill Ct, Lighthouse Ave, Lawrence Ave, Champions Way, N Volusia St, Lake Apopka Ct, Matanzas Ave | $1,214 |
| Diesel Rd, Van Gogh Cir, Merroway Ln, Tall Pine Ct, Owl Creek Rd, Ravenswood Dr, Sugarcane Ave, S Beach Dr, Oakes Ave, N Cranbrook Ave | $1,225 |
| Magnolia Beach Trl, Holly Rd, Isabel St, Island Hammock Way, Shenandoah St, W Pisa Pl, Crested Heron Ct, Majestic Oak Pkwy, Pinehurst Pointe Dr, Indian Trace Rd | $1,220 |
| Palencia St, San Juline Cir, Sienna Pl, Heron Rd, Mackinaw Trl, Roosevelt Dr, Osprey Rd, Putnam St, Ocean Trace Rd, Alcarzar St | $1,172 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| St. Augustine | $180 to $182 |
| World Golf Village | $180 |
| St. Johns County | $183 |
| Villano Beach | $188 |
| Home value ($) | Age of home (years) | Wind mitigation | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150,000 | 27 | NO | Asi Preferred Insurance | $1,841 |
| 150,000 | 27 | NO | Castle Key Indemnity Company Insurance | $1,673 |
| 150,000 | 27 | NO | Federated National Insurance | $1,891 |
| 150,000 | 27 | NO | Southern Fidelity Insurance | $1,234 |
| 150,000 | 27 | NO | St. Johns Insurance | $2,020 |
| 150,000 | 27 | NO | State Farm Florida Insurance | $1,643 |
| 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 | Citizens Property Insurance | $627 |
| 150,000 | 27 | YES | Federated National Insurance | $894 |
| 150,000 | 27 | YES | Stillwater Property And Casualty Insurance | $901 |
| 150,000 | 27 | YES | Tower Hill Preferred Insurance | $1,005 |
| 300,000 | 12 | NA | Southern Fidelity Insurance | $1,709 |
| 300,000 | 12 | NA | Southern Oak Insurance | $1,677 |
| 300,000 | 12 | NA | Tower Hill Select Insurance | $1,126 |
| 300,000 | 12 | NA | Tower Hill Signature Insurance | $1,628 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,000 | $5,000 |
| Yearly St. Augustine Homeowner Insurance Premium Example | $5,400 | $4,600 |
| Out of Pocket Expense During Claim | $1,000 | $5,000 |
| Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim | $33,400 | $32,600 |
| Net Savings to St. Augustine Home Owner from High Deductible Plan | $800 | |
| Scenario | St. Augustine, FL Home Replacement Value MORE than Home Value | St. Augustine, FL Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $114,000 | $86,000 |
| Insurance Premium based on Replacement Value | $2,300 | $1,725 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $17,500 | Risk Exposure from Under Insuring Coverage is $10,500 |
| Premium Impact | Insurance cheaper by $225/year | Insurance costlier by $350/year |
| Insurance Company | Liberty Mutual | State Farm | GEICO Insurance |
| Monthly Premium | 460 | 312 | 439 |
| Year Built | 2003 | 1990 | 2010 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 3 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $300000-$350000 | $175000-$200000 | $400000-$500000 |
| Deductible | $500 Deductible | $500 Deductible | > $10,000 Deductible |