Top 5 Home Insurance Companies in Palm Harbor, FL
Check out the most popular Home Insurance agencies & companies in Palm Harbor, FL & compare the best quotes from them.
Cost of Homeowners Insurance in Palm Harbor, FL
The average price of home insurance in Palm Harbor, FL, is $1385.1. Homeowners insurance can provide you respite that your family, house, and belongings are secured in case of any covered loss. In addition to giving you coverage for physical damage, many policies can include liability coverage which may assist you in protecting your assets if someone has an accident on your property.
Unfortunately, many people fail to understand insurance policies and end up opting for coverage that does not meet their home requirements. Therefore, homeowners must explore quotes and discounts offered by different insurance companies in Palm Harbor, FL. Here are a few top home insurance companies in Palm Harbor, FL.
Factors affecting home insurance in Palm Harbor, FL:
1. Home insurance rates by coverage levels
2. Home insurance rates by deductibles
3. Home insurance rates by the age of the house
4. Home insurance rates by the safety features
Homeowners Insurance in Palm Harbor, FL - Rates by coverage level
A basic home insurance policy covers damages to the house and its contents. It offers coverage of the liabilities that occur from damages to the house due to multiple reasons like burglary, theft, and calamities like fire, floods, lightning, etc. For example, homeowners who opt for coverage of $200K pay $1422 on home insurance in Palm Harbor, FL.
Refer to the chart below to know the applicable home insurance rates in Palm Harbor, FL, based on the coverage level.
Homeowners Insurance in Palm Harbor, FL - Rates by deductibles
Your home insurance deductible is the amount you agree to pay towards a claim before your insurance company will step in and pay the rest. For example, homeowners who opted for a deductible of $1000 pay $1239 towards their home insurance in Palm Harbor, FL. Homeowners who opted for a deductible of 500 pay $1369 towards their home insurance in Palm Harbor, FL. Therefore, the higher the deductible, the lower the home insurance rates in Palm Harbor, FL.
Homeowners Insurance in Palm Harbor, FL - Rates by the age of the home
Homeowner's insurance rates in Palm Harbor, FL, are based on your home's age and risk for damage. For older homes, it is tough to estimate the expenses to rebuild because specific construction materials are no longer available in the market. Therefore, insurers charge higher rates on home insurance for old homes. For example, homes that are 30 or 40 years old pay $1406 and $1422 on homeowners insurance in Palm Harbor, FL. To qualify for a lower homeowners insurance rate, avoid filing claims for minor damages.
Homeowners Insurance in Palm Harbor, FL - Rates by the safety features
Installing safety features in your home can help you lower your homeowner's insurance rates in Palm Harbor, FL. It is because safety features minimize risk, and fewer claims are needed to be paid by insurance companies. Insurance companies will offer you the most competitive rates if you install safety features like fire extinguishers, smoke detectors, etc. For example, homes equipped with fire extinguishers and deadbolts pay $1275 and $1219 on home insurance in Palm Harbor, FL.
Top Home Insurance Companies in Palm Harbor, FL
| Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
|---|---|---|
| Nationwide | A+ | 8.2% |
| Erie | A+ | 7.02% |
| State Farm | A | 6.9% |
| Allstate | A+ | 4.9% |
| Travelers | A++ | 3.1% |
Top State Farm Home Insurance Agents in Palm Harbor, FL
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Mr.B Diaz | 500 N WEST SHORE BLVD STE 750 33609 |
(813) 839-7300 | |
| Sean M Doody | 9170 Oakhurst Rd Ste 4 33776 |
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| Lauren Latorre-Osterling | 101 W MAIN ST STE 123 www.laurenosterling.com 33815 |
863-248-2814 | |
| Terry Pyles | 3004 Us Highway 98 N www.terrypyles.com 33805 |
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| Pamela R Wilkins | 4501 N NEBRASKA AVE www.pamelarwilkins.com 33603 |
(813) 238-7467 | |
| James Brown | 5119 MEMORIAL HWY www.jameswbrown.org 33634 |
813-885-4440 | |
| Jay Epstein | 5833 Argerian Dr Ste 102 33545 |
(813) 815-5205 | |
| Bill Jenkinson | 1164 Belcher Rd www.billjenkinson.com 34698-5679 |
727-733-7610 | |
| Stephanie Lee | 1710 Drew St Ste 5 www.yourclearlakeagent.com 33755 |
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| Nancy Pipinich | 536 E TARPON AVE STE 2 www.oldmaininsurance.com 34689 |
(727) 937-5171 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Silver Creek Ins Agency Inc | 2502 N Rocky Point Dr Ste 400 www.silvercreekagency.com 33607 |
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| Alliance Insurance Agency | 6539 Central Ave www.allianceinsurance-dallas.com 33710-8412 |
727-347-3425 Email:john@alliance-insurance.com |
|
| Verona Insurance Agency Inc | 5801 Gall Blvd 33542 |
(813) 815-5201 | |
| Linzy Insurance Agency | 2120 MANATEE AVE 34208 |
941-745-3669 | |
| Ct Lowndes & Co | 4853 34th Street South 33711-4509 |
727-866-0036 Email:goosecreek@ctlowndes.com |
|
| Huntington Insurance | 3689 TAMPA RD STE 324 www.huntington.com 34677 |
813-864-3434 Email:liz.anderson@huntington.com |
|
| Eastern Shore Associates | 12959 Walsingham Rd www.esainsurance.com 33774 |
(727) 498-8856 Email:carlac@esainsurance.com |
|
| Stewart & Sons Ins Inc | 13059 W Linebaugh Ave Ste 102 33626 |
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| Huntington Insurance | 1809 PEPPERTREE DR 34677 |
813-343-2420 | |
| Auto Insurance Network Inc | 11638-A Dale Mabry Hwy 33618-4409 |
813-961-8797 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Jack L Floyd | 3939 TAMPA RD 34677 |
727-784-8554 | |
| Mitchell Agency Inc The | 1812 MANATEE AVE W 34205 |
941-748-1812 | |
| Ilma Inc. | 505 WESTBROOK AVE 33511 |
813-685-8040 | |
| W R Morton Insurance Agency | 536 E Tarpon Ave #2 34689 |
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| Anne Nicole Flynn Agency | 3204 Cove Bend Dr 33613-2752 |
813-971-1123 | |
| Brantley S. Baker | 8169 Us Hwy 301 N 34219-8669 |
941-776-5900 | |
| William George Yates | 12553 Dr Spring\u00a0Hill 34609 |
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| Jack Hutchison Insurance Agency Inc | 2488 CURLEW RD 33761 |
727-781-5533 | |
| Lohr Ins Services Inc | 8831 49TH ST N STE 1 33782 |
727-327-1290 | |
| Timothy B Jackson | 238 E Davis Blvd Ste 215 33606 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Simpkins Foley Insurance Associates | 8870 N Himes Ave 8870 N Himes Ave Tampa www.simpkinsinsuranceagency.com 33614 |
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| Leland Smith Insurance Service Inc. | 18424 LIVINGSTON AVE STE 3 33559 |
813-920-0000 | |
| Ld&B Insurance & Financial Service | 4613 LITTLE RD www.ldbinsurance.com 34655 |
727-376-0558 | |
| Huntingdon Insurance Agency | 226 E TARPOON AVE www.huntingdoninsuranceagency.com 34689 |
727-943-3800 | |
| Kelly Insurance Agency Inc | 1000 S BELCHER RD SUITE 3 www.kellyins.com 33771 |
727-507-7525 Email:info@kellyins.com |
|
| Hatherill Insurance Agency | 9344 Little Rd 34654 |
(727) 862-2886 | |
| Hinkle Insurance Agency Inc. | 83 PARK PL BLVD STE 101 33759 |
727-461-6044 | |
| Ld&B Insurance & Financial Service | 4208 LITTLE RD 34655 |
727-376-3599 | |
| Ld&B Insurance & Financial Service | 6113 GRAND BLVD www.ldbinsurance.com 34652 |
727-844-0200 | |
| Ld&B Insurance & Financial Service | 12214 US HWY 301 www.ldbinsurance.com 33525 |
352-523-0800 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Dick Hannah Insurance Agency | 3237 Tyrone Blvd N 33710 |
(727) 343-1500 | |
| Brian Konishi | 13144 Park Blvd Ste A 33776-3500 |
727-393-4617 | |
| Kelly Horseman | 1001 HIGHLAND AVE NE 33770 |
727-585-6525 | |
| J B Filbert Agency | 1515 N WESTSHORE BLVD 33607 |
800-891-4222 | |
| Tammy Lopez | 13139 66Th St North 33773 |
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| Kelly Ins Agy Inc | 13080 S BELCHER RD STE H 33773 |
727-530-0684 | |
| Gustavo Espinosa | 9344 Little Rd 34654 |
(727) 862-2886 | |
| Hardy Ins Agcy Inc | 1767 S Kings Ave 33511 |
(813) 681-9696 | |
| Patrick Brown | 3438 COLWELL AVENUE 33614 |
(813) 636-4000 | |
| Park Cities Agency Inc. | 10218 WOODBERRY RD STE B 33619 |
(813) 681-4893 |
| Allstate | Travelers | Nationwide | |
| Median Home Value ($) | 205,230 | 175,230 | 195,230 |
| Construction year | 1987 | 1993 | 2002 |
| Home Coverage ($) | $100000-$125000 | $100000-$125000 | $100000-$125000 |
| Total Premium ($) | $2306 | $1965 | $1440 |
Palm Harbor, FL Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Travelers | upto 5% |
| Nationwide | upto 5% |
| Erie | upto 19% |
| Allstate | upto 22% |