Ponte Vedra Beach, FL Home Insurance Quotes!
Ponte Vedra Beach, FL residents are discovering how easy it is to shop rates online with GetHomeInsuranceQuotes.com. The difference in our service allows you to enjoy our easy quoting system application that quickly helps you enter the home details and information needed for us to generate up to 12 competitive Ponte Vedra Beach homeowners insurance rates. Over the years we have learned that homeowners don't have a lot of time to shop every carrier and nor do they know which carriers are best for them. This is why our top-notch quoting services helps save you time and money because we can provide the most competitive rates available and help you compare the differences in price, overall cost and coverage. Shop rates now as low as $1,408 per year.
Since 2012, our agency focus has been to put the greatest needs of customers first allowing homeowners like yourself living in Ponte Vedra Beach to quickly and accurately get the home insurance policy you need, no matter if you are shopping rates because of unexpected rate increases or if you are moving into a new home in the local area.
For fast home insurance quotes for your home in Ponte Vedra Beach, FL, please enter your zip code. The process only takes 1 minute to complete. Start your home insurance quote today or give us a call now at 1-888-685-4704!
Ponte Vedra Beach, FL Facts & Demographics
| Source | Value |
|---|---|
| Location: | Ponte Vedra Beach, FL (SAINT JOHNS County) |
| Population: | 86,988 |
| Occupied Residents: | 38,037 |
| Average Real Estate Value Per Zip Code: | $527,400 |
Average Ponte Vedra Beach, FL Homeowners Insurance Rates
Below are some additional resources to help you understand your home insurance coverage and policy details for a home located in Ponte Vedra Beach, FL.
- What is the average Ponte Vedra Beach, FL home insurance rate per year? $1,658 / yr.
- What is the monthly cost of home insurance in Ponte Vedra Beach on avereage? $138
- What does home insurance cost in Ponte Vedra Beach for a 1500 square foot home? $1,408 (based on a standard HO-3 policy with discounts applied)
- What the national average in the United States? $1,311.00
The average rates in Ponte Vedra Beach, FL are based on "averages" in your local area which only include an HO-3 home insurance package policies for homes that are occupied. Our quoting system will help you save up to 40% or more when we compare rates, discounts and coverage options.
Top 5 Helpful Saving Resources
Below are helpful saving tips when purchasing or shopping for home insurance.
- FAQ: What is a Ponte Vedra Beach, FL Homeowners Insurance Policy?
- FAQ: What does a replacement cost coverage and actual cash value mean for my home in Ponte Vedra Beach, FL?
- This FREE Home Replacement Cost Value Calculator will calculate your replacement cost coverage for your home in Ponte Vedra Beach, FL so you know what type of home insurance coverage you need to cover your dwelling coverage or replacement cost.
- Here are the top five homeowners insurance discounts that you may not be aware of in Florida
- Here are the top 3 home insurance credits available to homeowners.
Compare Homeowners Insurance Rates in Ponte Vedra Beach, FL!
Get up to 12 competitive Ponte Vedra Beach, FL homeowners insurance rates all in one place! |
Our Service in Florida
You can feel confident that our experience, integrity and service will help you find the best insurance policy at a price you can afford. We work with a wide variety of insurers in Ponte Vedra Beach, Florida and all of them are top rated "A+" by A.M. Best Rating and have been in business for several decades.
Just a few of the insurers we work include American Integrity Insurance Group, Anchor Insurance, ASI, Bankers Insurance Group, Centauri Insurance, Chubb, Edison Insurance Company, Florida Peninsula Insurance Company, Heritage Insurance, Lexington Insurance, Olympus Insurance, People's Trust Insurance Company, St. Johns Insurance Company and many more.
Average Rates Nearby Ponte Vedra Beach
Are you looking for homeowners insurance in a city near Ponte Vedra Beach? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!
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Home Insurance Rates by Zipcode in Ponte Vedra Beach, FL
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Ponte Vedra Beach.
Ponte Vedra Beach, FL Home Insurance Average Premiums
$1408 /yr.
For the city of Ponte Vedra Beach, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $1408 /yr. |
| Average Coverage: | $1658 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1958 /yr. |
What is the average home insurance cost for a home in Ponte Vedra Beach, FL?
- • The average homeowners insurance premium paid annually for a home in Ponte Vedra Beach is around $1658 per year.
What does it cost on average per month for home insurance in Ponte Vedra Beach, FL?
- • Homeowners in Ponte Vedra Beach pay an average cost per month around $138.00 for insurance coverage.
Ponte Vedra Beach, FL - 2023 Housing Information
| Month | Current Home Value (2023) | Last Year Home Value (2022) |
|---|---|---|
| January | $806,714 | $719,569 |
| February | $806,549 | $735,044 |
| March | $808,404 | $753,246 |
| April | $809,025 | $772,124 |
Homeowners insurance will help cover the cost to repair or replace your Ponte Vedra Beach home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:
- Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Ponte Vedra Beach
- Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
- Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
- Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
- Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Get up to 12 competitive Ponte Vedra Beach, FL homeowners insurance rates all in one place! |
Saving Money Tips on Ponte Vedra Beach Home Insurance
A great way to save money on Ponte Vedra Beach homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:
- Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
- Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
- Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
- Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.
Are you shopping for the best rate near or wihin the Ponte Vedra Beach area? Check out what homeowners are paying on average for Florida homeowners insurance.
Elevation Review for Coastal Wind or Flooding Risk
| Elevation | Details | Homeowners Tips |
|---|---|---|
| 0 ft. | This is the average home elevation in Ponte Vedra Beach, FL | Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Florida flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954. |
To get online quotes on your home and compare rates on home insurance premiums in Ponte Vedra Beach, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Saint Johns County.
Florida Homeowners Insurance News & Information
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Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024
A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase. Currently, a Broward commissioner is asking Congress to pass legislation he claims […]
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Florida Lawmakers May Allow Takeout Offers to Citizens’ Policyholders Posted on Wednesday 13th March, 2024
Lawmakers in Florida are moving closer to allowing specific insurer types to make offers to policyholders currently with Citizen’s Property to insure their vacation or second home. SB 1716 this week cleared the Senate’s Fiscal Policy Committee for the takeout offers after the Senate’s Banking and Insurance Committee approved the measure earlier this month. This […]
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Florida has 7 New Home Insurance Companies Entering the Market Posted on Friday 1st March, 2024
Recently, Florida has seen seven new insurance companies enter the market for homeowners coverage. Currently, the average premium for homeowners coverage is $6,000 a year in the Sunshine state compared to a nationwide average of just $1,700 a year, according to the Insurance Information Institute. The Insurance Information Institute is hopeful that the new insurance […]
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What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024
If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]
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Florida Homeowners Advance From Citizens into Private Companies Posted on Tuesday 5th December, 2023
Homeowners Choice Property and Casualty Insurance Co. has assumed approximately 53,750 policies from Citizens Property Insurance Corp., Florida’s state-backed insurance company, the parent company says in a Tuesday news release. Homeowners Choice is owned by HCI Group Inc., a holding company with operations in homeowners insurance, information technology services, real estate and reinsurance. Homeowners Choice […]
Ponte Vedra Beach, FL Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Ponte Vedra Beach so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.
What is the average replacement cost coverage in Ponte Vedra Beach, FL?
- The average square footage in Ponte Vedra Beach is around 1,437 Sq. Ft. which would cost you around $527,400 to replace the home if you base the home on the price to build per square foot of $367.
Minimum Replacement Cost Total: $527,400
Location: Ponte Vedra Beach, Florida (Saint Johns County)
Average Building Cost Per Square Foot in Ponte Vedra Beach: $367 (low end)
Average Square Footage in Ponte Vedra Beach: 1,437 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $367 | $527,400 |
| Some Additional Upgrades | $459 | $659,250 |
| Major Home Updates or Advancements | $551 | $791,100 |
The dwelling coverage is calculated by the average cost per square foot ($367) in Ponte Vedra Beach, Florida times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $1,146,875 (Media price to build of $459 x 2500 sq. ft.) to cover the cost to rebuild your new home.
What is the difference between actual cash value and replacement cost value?
Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:
Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.
Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.