Top 5 Home Insurance Companies in Fruit Cove, FL
Check out the most popular Home Insurance agencies & companies in Fruit Cove, FL & compare the best quotes from them.
Simple Way to Reduce Homeowners Insurance in Fruit Cove, FL
The risk of tornadoes is undoubtedly high in Fruit Cove, FL, as it's near the major water bodies. Well, residents of Fruit Cove should take home insurance to survive substantial financial loss during any unexpected situation. Most people are unaware that your home insurance does not cover flood damage or loss as they have a separate insurance policy. Other than that, the cost of insurance relies on certain factors, including the age of the home, coverage type, deductible, claim history, and material used to construct your home. Therefore, it is necessary to find out about homeowners insurance that satisfies all your requirements.
The average cost of homeowners insurance in Fruit Cove, FL, is 1490 which is higher than the national average premium. Homeowners can further reduce these costs by availing specific discounts. A few such components are:
a. Materials used to build your house
Homes built using sturdy materials have a minor threat to damage. Hence, home insurance companies offer considerable discounts to homes built using damage-resistant materials. For instance, houses built with hail-resistant roofs are offered a premium of $1460, whereas houses built with Masonry and Brick are offered a premium of $1415.
Refer to the chart below to know the applicable insurance rates based on the materials used.
b. Zero claim history
Homeowners in Fruit Cove can reduce their premium by displaying zero claim history. Therefore, homeowners must avoid filing claims for minor issues. Homeowners with zero claim history have to pay a premium of $1281, whereas homeowners with one and two claims have to pay 1609 and $1698, respectively.
c. Home Age
In this, the age of the home plays a vital role in deciding the cost of insurance. With the growing years, the homes also age with time, especially the systems and materials used to build the house. Old homes tend to have more property damage or structural problems. Therefore, insurance providers charge more premiums to old homes than newly constructed homes. In Fruit Cove, houses that are 30 or 40 years old pay $1271 and $1286, respectively.
In Fruit Cove, houses that are 40 or 50 years old pay $1512 and $1529, respectively. On the other hand, newly built homes in Fruit Cove can avail of lower insurance of $1162.
Top Home Insurance Companies in Fruit Cove, FL
| Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
|---|---|---|
| Erie | A+ | 7.02% |
| State Farm | A | 6.9% |
| Allstate | A+ | 4.9% |
| Liberty Mutual | A | 3.2% |
| Travelers | A++ | 3.1% |
Top State Farm Home Insurance Agents in Fruit Cove, FL
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Larry Chapel | 93A Orange St St.\u00a0Augustine 32084 |
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| Wesley Eckles | 822 A1A North, Ste 310 www.wesleyeckles.com 33208 |
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| Gayle Grimsrud | 986 N Temple Ave www.gaylegrimsrud.com 32091 |
(904) 964-7826 | |
| Al Debacker | 315 W Town Pl Ste 4 www.aldebacker.com 32092-3105 |
904-940-9740 | |
| Lloyd Henry Jr | 4711 US 17 S UNIT 3A 32003 |
904-215-2242 | |
| Lara Ross | DEERWOOD NORTH BLDG 300 4601 TOUCHTON RD STE 3210 www.laraross.com 32246 |
904-450-4700 | |
| Tom Pelham | 3400 Crill Ave Ste 2 www.tompelham.com 32177 |
(386) 530-6918 | |
| Shelley Shukla | 5150 Belfort Road Building 200 www.shelleyshukla.com 32256 |
(904) 575-3278 | |
| Wes Hinkle | 1734 Kingsley Ave #4 www.weshinkleagency.com 32073 |
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| Wayne Forsell | 4744 Blanding Blvd 32210 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Dawson Insurance | 1831 Golden Eagle Way Ste 30 www.dawsoncompanies.com 32003 |
(904) 278-1113 | |
| Hmp Insurance | 50 LEANNI WAY STE B-1 www.hmpins.com 32137 |
386-445-4141 | |
| J F Shaw Jr Agcy Inc | 2384 SADLER RD 32034 |
904-261-3606 | |
| Goosehead Insurance | 9639 Scarsdale Blvd # 101 32216 |
(904) 997-1020 | |
| Hayden Ins Services Inc | 5854 Atlantic Blvd www.haydeninsurance.com 32207 |
(904) 452-7770 | |
| Sst Insurance Brokers Inc | 3305 Atlantic Blvd Ste A www.sstins.com 32207 |
Email:mls@sstins.com |
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| The Insurance Alliance Of Central Pa Inc | 3811 Blanding Blvd www.tiacp.com 32210 |
Email:klloyd@tiacp.com |
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| Long Insurance Group | 212 SAN MARCO AVE STE D www.longinsurancegroup.com 32084 |
904-824-7283 Email:longinsurance@longinsurancegroup.com |
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| American Accord Insurance | 3791 A1A S Ste A www.americanaccord.com 32080-9704 |
904-461-5400 | |
| Hjorth Insurance Financial Inc | 4883 PALM COAST PARKWAY NW STE 5 www.hif-inc.com 32137 |
386-446-4226 Email:tressa@hjorthagency.com |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Deanna Iacovone | 868 Blanding Blvd Ste 130 32065 |
(904) 272-1400 | |
| Nancy Ballesteros | 10151 DEERWOOD PK BLVD STE 100 32256 |
(904) 565-1952 | |
| Gordon Brown | 6120 E Thompson Rd Ste B 32224 |
(904) 821-8001 | |
| Denise Sanders Lutcf | 116 N Walnut St 32091 |
(904) 964-7707 | |
| Fatima Siddiqui Lutcf | 7403 Merrill Rd 32277 |
(904) 744-0098 | |
| Mark Truelove | 1023 State Road 20 32148 |
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| Lloyd Louchez | 605 SR 13 STE 102 32259 |
866-334-9114 | |
| Christine Hewlett Lutcf | 800 Belle Terre Pkwy Ste 114 32164-2315 |
386-437-7117 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Bill Toney | 2325 Park St 32204-4317 |
904-425-4054 | |
| Connie Franklin | 2730 College Street 32205-7412 |
904-384-5000 | |
| Lonnie Cagle | 11035 PHILIPS HWY STE 6 32256 |
904-733-4634 | |
| Abbas Rawoot | 4540 Southside Blvd Ste 1102 32216-5495 |
904-296-2500 | |
| Chalmers Ins Ossipee | 5495 Fort Caroline Rd 32277-1777 |
904-744-2702 | |
| Parker Waller Agy | 9313 OLD KINGS RD S 32257 |
(904) 730-7343 | |
| Chilkoot-Gateway Insurance Agency | 11555 Central Pkwy Ste 904 32224-2701 |
904-642-4000 | |
| Michelle Lee | 43 Knight Boxx Rd Ste 2 32065 |
(904) 213-9518 | |
| Greg Schlagel | 4561 San Juan Ave 32210 |
(904) 384-9777 | |
| Ed Andrews | 559 W Twincourt Trl Unit 605 32095 |
(904) 201-8090 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Bob Wittbrot & Associates Insurance Inc. | 2801 St Jns Blf Rd S Ste 3 www.erieinsurancecleveland.com 32246-3743 |
904-641-6844 | |
| Centerville Insurance Agency Inc. | 11362 San Jose Blvd Ste 19 32223-7203 |
904-880-9060 | |
| Hall-Kadey Insurance Services | 8102-22 Blanding Blvd 32244 |
(904) 777-8776 | |
| Long Insurance Services | 400 N PONCE DE LEON BLVD www.long-insurance.com 32084 |
904-829-2201 | |
| Eber & Associates Inc | 9700 Philips Hwy 32256 |
(904) 538-9440 | |
| Staley Insurance Agency Inc. | 3033-11 Monument Rd 32225 |
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| Goldstein Insurance Agency Llc | 9951 Atlantic Blvd Ste 250B 32225 |
(904) 721-1234 | |
| Hitson Insurance | 3200 E MOODY BLVD 32110 |
386-437-7767 | |
| Lighthouse Insurance Agency Llc | 3305 HENDRICKS AV www.lighthouseinsagency.com 32207 |
904-396-1711 | |
| Lanzo Lutz & Associates | 1211 N THIRD ST 32250 |
904-249-2345 |
| Travelers | State Farm | Erie | |
| Median Home Value ($) | 300,430 | 300,430 | 330,430 |
| Construction year | 2000 | 2012 | 2008 |
| Home Coverage ($) | $500000-$600000 | $700000-$800000 | $900000-$1000000 |
| Total Premium ($) | $9696 | $11205 | $16487 |
Fruit Cove, FL Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Travelers | upto 11% |
| Liberty Mutual | upto 19% |
| Allstate | upto 16% |
| Erie | upto 16% |