Tarpon Springs Insurance Rates:

Tarpon Springs, FL homeowners insurance is nearly $1,008 to $1,368, about $84-$114/month. Our comprehensive guide shows customers can save upto $475 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
Make sure you find a good agent and establish a relationship with him/her because they can make the claim process easy or hard. The prices and policies are pretty standard.
The premium is less expensive yet more comprehensive than other insurance companies for the same amount of coverage.
The best rated home insurance companies are Amica and USAA, according to JD Power's annual comparison, and these companies consistently receive very few complaints as compared to their market share.
I would recommend them if you qualify (must be linked to military). Only downfall is you can't insure your LLC's / personal companies, which may or may not be an issue for many.
State Farm
They have a nice staff who are knowledgeable, friendly, well known. they are very convenient to my location. its easy to find a live person to talk to.
Assurant Specialty Property
There also aren't dedicated customer service representatives, so the person you speak with when you call handles claims and any other duty.
I needed some under the slab plumbing repair and they were prompt and courteous with service and payment.
State Farm
I dislike that the same company charges me more than I want them to for car insurance. I dislike that they don't offer me quotes from other companies. I dislike that I'm not sure that I couldn't be paying less for the same coverage.
Amica Mutual Insurance
They have offered the lowest price since I started with them, and I check almost every year to compare to others. They keep going up each year so that might change at some point but not for now.
I haven't had any claims so I haven't had any experience with the customer service.
Tower Hill Insurance
I like how they do attempt to keep me informed, I would like it to me more. However, I like when I call the customer service is very patience and understands that the service they give people is very important to them. I also like that I can use their website if I need too.
Security First Home Insurance
Centauri Insurance
I've always had an English speaking customer service representative and my calls and questions were answered promptly.
State Farm
I like that I have options on how to contact them. I can call them directly and leave a message for a callback if they're swamped. I can chat online or e-mail them. Claims are processed promptly and USAA customer service keeps me in the loop at every step.
State Farm
At this point, I have not compared the premium with other companies, however from what I have observed it seems like it is quite comparable to other similar products.
Offers things I believe that other insurance companies do not cover, and my friend before had Allstate and told me it's a great company.
Overall, I am totally satisfied with the insurance company. They treat you with the utmost respect and treat you like family.
State Farm
It's structured to save and make money for them. They run far too many ads that I pay for on TV.
Stillwater Insurance Group
They are a small company so I can't get a lot of reviews on them. They also do not have any apps or websites so I cannot look at a lot of different things regarding coverage.
Safeco Insurance
I did not like that the salesperson did not call me back after the sale was completed with a question I had for him, I needed to call customer service to get an answer.
Their rates are outstanding and their customer service is great. I am always able to contact them either on line or via the telephone
State Farm
I would recommend this company for use in home insurance. They offer a variety of services at a reasonable price and provide good customer service. It is not common to find all three of these qualities in the same place so I recommend to take advantage of it when you find it.
People's Trust Insurance
I would recommend People's Trust insurance company to everybody because they are very affordable and a very good insurance company to have. They are also very friendly to speak with.
Tower Hill Insurance
I would recommend it because their premiums are very, highly competitive compared with other insurance companies in the Florida market.
Security First Home Insurance
I like that they are down to earth and easy to deal with. I like how my coverage is and how easy it is to file a claim.
I like that the company was not hard to get to, that it is one of the most commonly used insurance companies across the country, and that it was easy to talk to someone and get started with them.
USAA has always been a reliable partner in insurance. They offer many products other than home insurance so you can get more done with one phone call. The products are competitively priced and have the backing of a nationally recognized company.
Universal Property & Casualty Insurance Company
I like that they have a local office 7 miles away and not the other side of the country. If I have a problem, I can go over there and speak with the agent.
Easy to deal with, customer friendly, easy site navigation. Helpful and English speaking customer service agents.
State Farm
The premium and deductible of my policy compared to others is lower. I researched a lot of other companies before going with State farm. The deductible and premium are reasonable.

Tarpon Springs, FL Homeowners Insurance By Home Value

Tarpon Springs, FL Home Value Total Homes % of Total Average Tarpon Springs, FL Homeowners Insurance
Less than $50,000 2,445 6.0% $142
$50,000 to $59,999 666 1.0% $309
$60,000 to $69,999 1,004 2.0% $392
$70,000 to $79,999 1,110 2.0% $451
$80,000 to $89,999 1,224 3.0% $511
$90,000 to $99,999 1,214 3.0% $570
$100,000 to $124,999 3,356 8.0% $665
$125,000 to $149,999 2,750 7.0% $832
$150,000 to $174,999 4,736 12.0% $974
$175,000 to $199,999 3,654 9.0% $1129
$200,000 to $249,999 5,668 15.0% $1367
$250,000 to $299,999 4,420 11.0% $1664
$300,000 to $399,999 5,192 13.0% $2116

Top Home Insurance Agents Near Tarpon Springs, FL

Home Insurance Company Near Tarpon Springs, FL Homeowners Insurance Agency Near Tarpon Springs, FL Address
Travelers Bay Area Insurance Shop 1452 Court Street, Clearwater, FL, 33756
Liberty Mutual Independent Fairchild Addison & Mckone Ins Inc 10218 WOODBERRY RD STE B, TAMPA, FL, 33619
Travelers Members Insurance Center Llc 6810 E HILLSBOROUGH AVE, TAMPA, FL, 33610
Travelers Southern Family Insurance Services Llc 101 W MAIN ST STE 123, LAKELAND, FL, 33815
NA Brightway Insurance, Inc. 3607 W Waters Ave , Tampa, FL, 33614

Tarpon Springs, FL Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Tarpon Springs, FL

Streets in Tarpon Springs Area Homeowners Insurance Cost
Suwanee Ave, Bailey Ct, Palmer Cir, Lake St George Dr, Riverview Dr, Ulelah Ave, Summit Way, Wood Bridge Ave, Shore Dr W, E Tessier Dr$1,191
Plymouth Ct, Grand Preserve Pl, Manning Rd, Highview Dr, Mildred Dr, Parkview Blvd, Pine Warbler Way S, Shannon Cir, Dove Ter, Elmwood Dr$1,170
Rolando Pl, Bay Lake Trl, Whitcomb Blvd, Maple Ridge Rd S, Maplewood Dr, Hickory Ln, Foxcroft Dr W, W Greenhollow Dr, Turtle Creek Cir, Birdie Cir$1,186
Mermoor Dr, Landon Ter, Ironwood Ct W, Countryshire Ln, Michaels Cir, Dale Pl, Saint Petersburg Dr E, Tower Dr, Pasaje Way, Illinois Ave$1,201
Shelly Dr, Sage Rd, Sussex Ct, Pebble Ct, Stable Trl, Biarritz Cir, Lawnwood Ct, Strathmore Ave, Fleeman Rd, Shore Drive Pl$1,171
Eagle Chase Blvd, N Walton Ave, Galliton Way, Lutea Pl, Cobbs Way, Franklin Ct, E Lemon St, Cameron Ct, Seagull Dr, S Levis Ave$1,157
Camphor Cir, Phillips Way, Marlborough St, Island Ave S, Co Rd 74, Silver Oak Dr, Raleigh Ct, Palmer Ct, Ermine Path, Brookside Ct$1,223
Foxboro Ct, Lisa Ln, Marion Dr, Steeple Ct, Lorraine St, Harbor Oaks Cir, E Citrus Way, Citrus Hill Ln, 17th St, Timber Bay Cir E$1,191
Kingsmill Ct, Sweetgum Pl, Onizuka Ct, Trout Ln, Morningside Ct, Arcadia Dr, Enisgrove Dr E, Bancroft Cir E, Gary Ct, Spring Tree Ct$1,177
Elmwood Dr, Beckett Way, E Dorchester Ct, Ridge View Ln, Dove Hollow Ct, Winding Willow Dr, Brunswick Cir, Oscar Hill Rd, E Lime St, Pheasant Ct$1,355

Tarpon Springs, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Tarpon Springs$177 to $180
Palm Harbor$177
East Lake$186

Tarpon Springs, 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
Palm Harbor CDP, Florida $148 $197 $295
East Lake CDP, Florida $155 $207 $310
Holiday CDP, Florida $140 $187 $280

Tarpon Springs, 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
Tarpon Springs, FL5.5%17.6%
Palm Harbor5.88%18.41%
East Lake4.79%14.29%

Tarpon Springs Renters Insurance as a Percentage of Rent

Tarpon Springs Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 155 1.0% $332
$200 to $299 217 1.0% $782
$300 to $499 192 1.0% $1232
$500 to $749 1,398 10.0% $1907
$750 to $999 4,098 30.0% $2657
$1,000 to $1,499 5,027 37.0% $3782
$1,500 or more 2,323 17.0% $5432

Average Cost Of Home Insurance By Company In Areas Nearby Tarpon Springs For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO State Farm Florida Insurance $2,922
150,000 27 NO Tower Hill Prime Insurance $2,971
150,000 27 YES American Integrity Insurance $1,780
150,000 27 YES Castle Key Indemnity Company Insurance $1,548
300,000 12 NA Liberty Mutual Fire Insurance $3,924
300,000 12 NA Safeway Property Insurance $3,244
300,000 12 NA Southern Fidelity Insurance $3,674
300,000 12 NA Tower Hill Select Insurance $2,560

Tarpon Springs, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Tarpon Springs Homeowner Insurance Premium Example $3,400$2,900
Out of Pocket Expense During Claim$1,100$2,100
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $18,100$16,600
Net Savings to Tarpon Springs Home Owner from High Deductible Plan $1,500

Tarpon Springs, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Tarpon Springs, FL Home Replacement Value MORE than Home Value Tarpon Springs, FL Home Replacement Value LESS than Home Value
Replacement Value $222,500 $142,500
Insurance Premium based on Replacement Value $3,750 $2,400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $47,500 Risk Exposure from Under Insuring Coverage is $32,500
Premium Impact Insurance cheaper by $550/year Insurance costlier by $800/year

Example Tarpon Springs Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateLiberty MutualGEICO Insurance
Monthly Premium 241652590
Year Built 201320061988
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $150000-$175000$400000-$500000$350000-$400000
Deductible $1000-$2500 Deductible$500 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Tarpon Springs, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1980 240,000 Slate Shingles Roof 2,590 4 $1000-$2500 Deductible 1910 6 Vinyl siding No
1982 205,000 Composition Roof 1,700 4 $2500-$5000 Deductible 920 4 Fiber-Cement Siding yes
1982 225,000 Metal Roof 2,050 3 $500- $1000 Deductible 400 1 Stucco siding No
2010 235,000 Wood Shake Roof 2,140 3 $5000 to $10,000 Deductible 420 2 Vinyl siding No
1980 250,000 Membrane Roof 2,050 3 > $10,000 Deductible 760 3 Wood siding yes
2006 210,000 Tile Roof 1,810 5 $500- $1000 Deductible 3380 12 Vinyl siding yes
2007 585,000 Asphalt Shingles Roof 4,410 5 > $10,000 Deductible 3300 7 Vinyl siding yes
1988 230,000 Composition Roof 1,760 5 $1000-$2500 Deductible 340 1 Stone Siding No
1982 350,000 Asphalt Shingles Roof 3,380 4 > $10,000 Deductible 2760 7 Stucco siding No
1981 255,000 Slate Shingles Roof 2,200 4 > $10,000 Deductible 670 3 Vinyl siding yes
1996 155,000 Membrane Roof 1,430 3 $2500-$5000 Deductible 510 3 Fiber-Cement Siding yes
1998 285,000 Metal Roof 2,630 5 $500- $1000 Deductible 4550 12 Fiber-Cement Siding yes
2006 200,000 Tile Roof 2,150 3 $500- $1000 Deductible 1790 6 Stone Siding yes
1995 345,000 Slate Shingles Roof 3,190 4 $500- $1000 Deductible 950 2 Wood siding No
1983 460,000 Membrane Roof 4,620 5 $1000-$2500 Deductible 6890 10 Stucco siding No
1999 270,000 Membrane Roof 2,280 5 $500- $1000 Deductible 510 1 Vinyl siding yes
2014 380,000 Composition Roof 3,340 4 $1000-$2500 Deductible 6040 9 Vinyl siding No
2011 350,000 Tile Roof 3,200 4 $5000 to $10,000 Deductible 4710 10 Brick siding No
2011 310,000 Slate Shingles Roof 2,530 4 $500- $1000 Deductible 1370 3 Fiber-Cement Siding yes
2011 315,000 Metal Roof 3,010 4 > $10,000 Deductible 500 2 Fiber-Cement Siding yes
2010 435,000 Metal Roof 4,930 5 > $10,000 Deductible 2210 7 Brick siding No
2012 200,000 Tile Roof 2,220 4 $2500-$5000 Deductible 920 6 Wood siding yes
2001 215,000 Tile Roof 2,220 5 $5000 to $10,000 Deductible 1280 8 Stucco siding yes
1988 370,000 Wood Shake Roof 3,120 4 $2500-$5000 Deductible 570 1 Stone Siding No
1984 205,000 Slate Shingles Roof 2,260 3 $5000 to $10,000 Deductible 920 4 Brick siding yes
2010 180,000 Membrane Roof 2,060 4 $500- $1000 Deductible 1410 7 Brick siding No
2009 170,000 Shingles Roof 1,600 3 $500 Deductible 2810 9 Brick siding yes
1999 260,000 Slate Shingles Roof 1,980 3 $5000 to $10,000 Deductible 200 1 Fiber-Cement Siding yes
1997 315,000 Composition Roof 3,070 5 $500 Deductible 1080 2 Stucco siding No
2002 165,000 Membrane Roof 1,360 3 $5000 to $10,000 Deductible 1460 8 Stone Siding yes
1999 110,000 Tile Roof 1,010 2 > $10,000 Deductible 1830 5 Wood siding No

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