Tarpon Springs ,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 Tarpon Springs, 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 Tarpon Springs, FL is $2002. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Tarpon Springs, FL. VHome Insurance will help you navigate the world of homeowners insurance coverages in Tarpon Springs, FL.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $801 |
| $200,000 | $1,361 |
| $300,000 | $1,682 |
| $400,000 | $2,563 |
| $500,000 | $3,223 |
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 Tarpon Springs, FL, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,053 |
| $1000 Deductible | $1,836 |
| $1500 Deductible | $1,732 |
| $2500 Deductible | $1,562 |
| $5000 Deductible | $1,321 |
| Home Insurance Company Near Tarpon Springs, FL | Homeowners Insurance Agency Near Tarpon Springs, FL | Address |
|---|---|---|
| NA | Brightway Insurance, Inc. | 3607 W Waters Ave , Tampa, FL, 33614 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Tarpon Springs, FL | 5.5% | 17.6% |
| Palm Harbor | 5.88% | 18.41% |
| East Lake | 4.79% | 14.29% |
| Holiday | 8.64% | 30.99% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Tarpon Springs | $177 to $180 |
| Palm Harbor | $177 |
| East Lake | $186 |
| Holiday | $168 |
| Home value ($) | 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 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,100 | $2,100 |
| 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 | |
| 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 |
| Insurance Company | Allstate | Liberty Mutual | GEICO Insurance |
| Monthly Premium | 241 | 652 | 590 |
| Year Built | 2013 | 2006 | 1988 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 3 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $150000-$175000 | $400000-$500000 | $350000-$400000 |
| Deductible | $1000-$2500 Deductible | $500 Deductible | $500- $1000 Deductible |