Get Saint Augustine, FL Home Insurance Rates!

If you have watched your Saint Augustine home insurance rates increase year over year, you are not alone. Homeowners insurance in Florida has gotten more expensive over the last decade and Florida is now the #1 in country when it comes to the cost of homeowners coverage.

The average cost of homeowners insurance in Florida is currently $2165 which makes Florida the #1 most expensive state in the country for home insurance. Local residents of Saint Augustine need to be aware that the national average is $1311.

The insurance coverages you need in Saint Augustine

Homeowners in Saint Augustine (or just about anywhere for that matter) should be aware of the different types of protection offered by a homeowners policy. Here is a quick overview:

Dwelling: This portion of your policy will help repair or rebuild your home’s structure if it is damaged or destroyed by a covered peril. Your dwelling coverage levels should be enough to cover the cost of rebuilding your home.

Liability: The liability portion of the policy will help cover any liability issues that come up at your home. It will help pay medical as well as legal bills for any injuries that happen to guests at your home. This can be the result of someone being injured at your home, falling down your stairs for example or if your pet bites someone the liability portion of your policy will step up.

A standard homeowners policy comes with $100,000 in liability coverage but most experts recommend carrying at least $300,000 in coverage. Medical and legal bills can quickly add up so make sure you are carrying enough liability protection.

Personal Property: This coverage will repair or replace your personal possessions if they are damaged or destroyed by a covered peril. The coverage amount for your personal property is 50 percent of your dwelling coverage which means that if you are carrying $300,000 in homeowners insurance on your home, your coverage level for your personal property is $150,000.

Other Structures: This covers other structures on your property such as outbuildings, sheds, barns, detached garages and other structures. This coverage is 10 percent of your coverage levels on most policies so if you are carrying $200,000 on your home, your other structures are protected by $20,000 in coverage. This is all structures combined.

Loss of Use: If your home is so damaged that you can’t live in it while it is being repaired the loss of use portion of your policy will step up. This coverage will help cover expenses you incur due to being out of your home. It will pay hotel bills, restaurant tabs as well as other expenses such as dry cleaning.

Tips for lowering your insurance costs in Florida

While the cost of homeowners insurance has gone up in recent years, there are ways to save a bit of money on your premium. Regardless of whether you live on the coast or inland, these tips can help put some money back in your pocket:

• Shop your coverage: If you are reading this, you are probably already shopping your coverage. Shopping your policy is the best way to lower your insurance costs. Insurers rate risk differently and this can lead to dramatic differences in premium quotes.
  
  We can help make the shopping process quick and easy. Simply enter you zip code at the top of the page, fill out our short form and Click "Get Home Insurance Quotes". We will shop your coverage with at least 12 insurance companies that best respresent the city of Saint Augustine and we ensure you will find a great policy without having to leave the comfort of your own home.
• Discounts: Insurers offer numerous discounts and making sure that every discount you qualify for is applied to your policy is a great way to lower your premium. We make sure all available discounts are being applied to your policy.
• Upgrade your home: This can result in big savings, particularly if your home is located on the coast. Replacing your roof with wind and hail resistant shingles, adding storm shutters and getting your mechanicals off the ground can result in big savings.
• Up your deductible: This is another great way to lower your premium. Doubling your deductible can result in a major discount. Always make sure you choose a deductible that you can easily afford in the event you have to make a claim.

It's time to save some money

If you are ready to save a bit of coin on your insurance bill, we are here to help. We offer a quick and easy solution to shop and compare Saint Augustine home insurance rates online, with our quick online quoting application, we can help you review rates from up to 12 home insurance companies to find the best policy for your particular home.

If you are looking for a new policy that comes with great coverage and a low premium for your home in Saint Augustine, let us help you save up to 40% or more on your new home insurance policy. Start a quote online now or give us a call at 1-888-685-4704..

Compare Homeowners Insurance Rates in Saint Augustine, FL!

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 Saint Augustine, 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 Saint Augustine

Are you looking for homeowners insurance in a city near Saint Augustine? 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 Saint Augustine, FL

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Saint Augustine.

32080,     32084,     32086,     32092,     32095,     

Homeowners insurance will help cover the cost to repair or replace your Saint Augustine 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 Saint Augustine
• 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.

Saving Money Tips on Saint Augustine Home Insurance

A great way to save money on Saint Augustine 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 Saint Augustine area? Check out what homeowners are paying on average for Florida homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

To get online quotes on your home and compare rates on home insurance premiums in Saint Augustine, 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.

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