St. Augustine Insurance Rates:

St. Augustine, FL homeowners insurance is nearly $1,025 to $1,394, about $85-$116/month. Our in depth research shows customers can save upto $484 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

So far, it's been 6 months since I've been with this insurance company and I have no regrets about switching. They're great!
I would recommend this company for home insurance. I am lucky to have USAA due to my father and grandfather serving in the military. USAA treats their people good
Farmer's Insurance
This insurance has been very easy to manage and work with, easy to set up, auto-bill pay, and we've had no problems with using them at all. The customer service is great.
USAA is the best, hands down. The scope of what they cover is fantastic, and given that they focus on military families they are great at making sure your insurance claim is handled correctly and efficiently.
I think my premium is pretty fair, but there's always room for improvement for a lower rate. They're compatible with most other quotes.
I originally had liberty Mutual homeowners insurance and their rates seemed really high so I got a quote from Allstate and found that I got more benefits with a lower premium.
I have had auto, boat and Home insurance through Geico for many years and they have excelled at reasonable rates, fairness, customer service and claim redemption. They have gone out of their way to serve me well and have earned a lifetime customer, multiple times over. They even covered a total wreck of my car while it wasn't technically insured! (Due to an underwriting mixup I hadn't caught -- mistakes made on both sides, but they took full responsibility. Impressive for a large company with plenty of access to lawyers).
Frontline Insurance
The premium and deductible for my insurance policy is much higher than for other plans that are similar.
They seem to have decent deals about the kind of insurance they offer and the coverages that are included with their services.
Citizens Property Insurance
they don't cover very much, but charge like they do, there are better options out there, they offer much the same things other company offer, but just less
Farmer's Insurance
I like it . They are always ready to help out and doing everything to resolve problems.
Liberty Mutual
Liberty mutual offer a great policy for a great price compared to other insurance companies in the field that I know of
State Farm
They were there for me during my automobile crash where i got rear-ended, and they helped cover my fees.
Sometimes it can be hard to discover what discounts there are for the type of coverage i need, and confusing to figure out what applies for a discount or deduction and what doesn't.
State Farm
State farm is easy and convenient. they send me all the information i need. and i have it set up on auto-pay so i don't have to do anything for rest of the year!
Farmer's Insurance
I know for a fact that I pay more than I should for my insurance. I compare myself to others all the time, however, I have a relationship with my agent in that he holds all of my policies so changing it would be weird.
Liberty Mutual
I don't like that some of the policy documents are difficult to understand because there is so much wording in them. I would hope the language could be put in everyday language for me to understand better.
Security First Home Insurance
Their customer service, they are slow to answer queries other than to arrange an adjuster. Also I can't seem to get consistent answers to questions.
Getting service at my local office is easy and they have been very quick to respond or set up a meeting. I have not had to submit any claims locally so I don't know that side of the company is good or not.
Tower Hill Insurance
Customer service only happened when we called for the price estimation but nothing was followed up on, no calls, no email or form of communication after we enrolled in home insurance. I wish there are more customer service like sending educational brochures on how we can take care of our home and such.
People's Trust Insurance
What I do not like about the company is that they have days that they do not work and their payment methods make it very complicated to pay them, they have very few employees and the administration is not very good
Liberty Mutual
The company is reasonably priced, and they offer a full range of services. I can log in and easily check all of my different products, pay bills, and change payment methods. Friendly staff, prompt responses, and I trust them to help me through the claims process.
I like USAA as a company, but I have come to realize that their costs are much higher than other companies. That is frustrating to me since they cater to veterans and military members, who should be getting better rates and quality products, but instead, it seems like they are often being duped into higher costs instead.
I honestly don't really have anything I dislike. They are a great company that gives good service.
Citizens Property Insurance
I would say I'm very happy with them. They are covering my house in case of any damage and protecting the people that are on my property. What more could I ask for?
State Farm
Nothing I love dealing with my insurance company and really do not have a complaint about them at all
This is hard for me to say because I don't have many complaints. I have not had any bad experience yet personally. I dislike the high cost but that applies to every insurance company so I cant truly dislike the company as a whole.
Assurant Specialty Property
I would recommend Assurant because they are very nice and they are associated with Geico so we get a bundle deal with our car and homeowners insurance.
I have not comparison shopped in a long while so I'm not sure how they compare to other insurance company offerings. I am putting it on my list of things to do
Liberty Mutual
I recommended this insurance company if you are looking for excellent selection of discounts, but i am little bit concerned about the quality of service they are providing about the claim processing.
There is nothing I dislike about this company. I wish every company was as responsive and caring about their customers and provided such good customer service.
State Farm
I dislike the bad customer service however that experience is specifically when dealing directly with the office I am assigned to. When I call the general number for the company I receive better customer service however my point person is generally someone from the office and they are rude. If I could get a cheaper bundled deal with another company I'd likely switch from this one.
State Farm
The insurance premium is reasonable and to date, the service I have received has been fine.
Website could be more clear and would like ability to test adjusting different changes to coverage to see how price would be affected. My auto insurance (USAA) allows you to see how much your premium goes up or down with little changes.

St. Augustine, FL Homeowners Insurance By Home Value

St. Augustine, FL Home Value Total Homes % of Total Average St. Augustine, FL Homeowners Insurance
Less than $50,000 1,184 5.0% $121
$50,000 to $59,999 348 1.0% $266
$70,000 to $79,999 703 3.0% $387
$80,000 to $89,999 461 2.0% $435
$90,000 to $99,999 689 3.0% $484
$100,000 to $124,999 2,038 9.0% $568
$125,000 to $149,999 1,534 6.0% $713
$150,000 to $174,999 2,971 13.0% $847
$175,000 to $199,999 1,554 6.0% $968
$200,000 to $249,999 4,086 18.0% $1173
$250,000 to $299,999 3,040 13.0% $1427
$300,000 to $399,999 3,850 17.0% $1815

Top Home Insurance Agents Near St. Augustine, FL

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

St. Augustine, FL Home Insurance Agents for Top Companies

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

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

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

PlaceSavings For Senior Occupied Homes
St. Augustine$180 to $182
World Golf Village$180
St. Johns County$183
Villano Beach$188

St. Augustine, 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
World Golf Village CDP, Florida $151 $201 $301
St. Johns County, Florida $153 $204 $306
Villano Beach CDP, Florida $157 $209 $314

St. Augustine, 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, FL5.8%22.2%
World Golf Village5.4%17.8%
St. Johns County5.49%20.13%
Villano Beach5.27%19.01%

St. Augustine Renters Insurance as a Percentage of Rent

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

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

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

St. Augustine, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
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

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

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

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

Insurance Company Liberty MutualState FarmGEICO Insurance
Monthly Premium 460312439
Year Built 200319902010
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $300000-$350000$175000-$200000$400000-$500000
Deductible $500 Deductible$500 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2014 550,000 Slate Shingles Roof 4,990 5 $5000 to $10,000 Deductible 3190 5 Vinyl siding yes
1990 485,000 Wood Shake Roof 3,840 5 $2500-$5000 Deductible 2310 4 Vinyl siding yes
1998 250,000 Shingles Roof 2,280 3 > $10,000 Deductible 350 2 Stone Siding No
2001 335,000 Tile Roof 2,260 3 $5000 to $10,000 Deductible 730 2 Brick siding No
1999 145,000 Composition Roof 1,370 3 $500 Deductible 1580 5 Brick siding No
2011 220,000 Slate Shingles Roof 1,850 4 $5000 to $10,000 Deductible 480 2 Vinyl siding No
2009 315,000 Slate Shingles Roof 2,500 4 $2500-$5000 Deductible 350 1 Brick siding No
1991 305,000 Slate Shingles Roof 2,200 4 $500 Deductible 3270 7 Wood siding yes
2013 400,000 Shingles Roof 3,390 4 $500 Deductible 2400 4 Wood siding yes
1997 135,000 Slate Shingles Roof 1,330 3 $2500-$5000 Deductible 230 2 Fiber-Cement Siding yes
2011 260,000 Wood Shake Roof 2,100 3 $1000-$2500 Deductible 1830 4 Wood siding No
2014 240,000 Slate Shingles Roof 2,190 5 $500 Deductible 410 1 Stone Siding No
2012 295,000 Slate Shingles Roof 2,180 4 $1000-$2500 Deductible 520 1 Stucco siding yes
2000 265,000 Membrane Roof 2,290 3 > $10,000 Deductible 1740 9 Fiber-Cement Siding No
2014 320,000 Membrane Roof 2,890 4 $500 Deductible 2720 5 Stone Siding yes
1998 470,000 Slate Shingles Roof 3,390 4 $500 Deductible 2440 3 Stone Siding yes
2001 320,000 Composition Roof 2,350 5 $5000 to $10,000 Deductible 920 3 Fiber-Cement Siding yes
2001 475,000 Asphalt Shingles Roof 3,240 4 $5000 to $10,000 Deductible 3590 6 Brick siding No
1999 160,000 Slate Shingles Roof 1,480 3 $2500-$5000 Deductible 2440 12 Brick siding yes
2011 445,000 Membrane Roof 3,190 5 $500- $1000 Deductible 1590 2 Vinyl siding No
1994 200,000 Asphalt Shingles Roof 1,890 3 $500 Deductible 290 1 Wood siding No
1998 370,000 Slate Shingles Roof 2,650 5 $500- $1000 Deductible 1620 4 Fiber-Cement Siding No
2009 595,000 Shingles Roof 4,200 5 $1000-$2500 Deductible 1070 1 Vinyl siding No
1997 190,000 Tile Roof 1,750 4 $2500-$5000 Deductible 670 3 Stone Siding No
2014 320,000 Asphalt Shingles Roof 2,740 4 > $10,000 Deductible 1160 4 Stucco siding yes
1995 355,000 Asphalt Shingles Roof 3,110 4 > $10,000 Deductible 2750 7 Brick siding yes
1992 455,000 Tile Roof 4,480 5 $5000 to $10,000 Deductible 4060 10 Stucco siding No
2004 355,000 Slate Shingles Roof 2,500 5 > $10,000 Deductible 3530 12 Brick siding yes
2001 530,000 Shingles Roof 4,070 5 > $10,000 Deductible 2890 6 Brick siding yes
2007 690,000 Tile Roof 4,720 5 $500 Deductible 5590 5 Brick siding No
1999 305,000 Metal Roof 2,710 4 $1000-$2500 Deductible 5830 10 Wood siding yes

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