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

State Farm
They were there for me during my automobile crash where i got rear-ended, and they helped cover my fees.
Nationwide
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!

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

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
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

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
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