Tavernier, FL Home Insurance Quotes!
It's not uncommon for Tavernier homeowners to desire a fast "get it done" approach when it comes to shopping for a basic Florida homeowners insurance policy. We realize time is always an important factor, sometimes as much as cost. If you are shopping today for an affordable home insurance coverage for your home in Tavernier, FL, then you have arrived at the right place, at the right time. An FL home insurance policy is designed to protect you from a major financial set back. When talking about a homeowners insurance policy, financial risk or loss can occur if your home was ever damaged by a fire, lightning, hurricane, theft or falling objects like a tree. So as you can see a standard homeowners insurance policy is not complicated, but sometimes comparing multiple coverage options and rates at the same time can be. Here at GetHomeInsuranceQuotes.com, we provide a quick way for you to compare the most affordable Tavernier home insurance quotes by using our online quoting system. You can easily start this process by entering your zip code at the top of the page.
Compare Multiple Tavernier Home Insurance Quotes
Here is how the process works in three easy steps:
- Enter your zip code to start the online Florida home insurance quoting application. If this is a new home purchase in Tavernier, FL, please make sure you include the correct zip code and street address for the home you would like to receive comparative rates for.
- The online quoting application is designed to limit your time completing a long form, just to review rates. This is why we have scaled down our information request so that we can process only the required home details in order to process multiple quotes faster. We will need important property information like the square footage of your home and what year your home was built.
- Finally, you can sit back and relax. Just click "Get Home Insurance Quotes" and we will shop up to 12 home insurance carriers that are all very competitive in the city of Tavernier. We will also assign one Florida home insurance professional to help answer any questions you may have. Our quoting process is secure and hassle free. We look forward to helping you compare the most affordable Tavernier, FL rates.
Understanding more about your Tavernier homeowners insurance is a huge advantage to getting the right coverage. It's not always about the cheapest price, sometimes paying a little more for better coverage with a brand name like Nationwide, Travelers or Liberty Mutual can help you gain the coverage you need when you depend on your home insurance company the most. Our Florida agents are easily accessible by phone or online. You can start by entering your zip code for the home you would like to insure in Tavernier, FL and let us generate the multiple quotes for you for free or call us at 1-888-685-4704. We will work with you to provide the best coverage and cost savings option. Start your Tavernier home insurance quote today!
Tavernier, FL Demographics & Home Value Data
The housing data listed below is for the Tavernier, FL (MONROE County) location.
- Tavernier Total Population: 10,688
- # of Residents Living With Single Family Homes: 4,700
- Average Real Estate Price of a Home Per Zip Code in Tavernier: $508,400
Average Tavernier, FL Home Insurance Rates
Homeowners living nearby or within the city of Tavernier are paying around $2,165 per year on average. We have helped customers save more by shopping the best rates and coverages, smaller size homes in terms of square footage are seeing rates as low as $1,348 per year in Tavernier. Higher-end homes that cost more to rebuild or replace include more coverage in the policy and premiums are around $1,898. On average, homeowners in Tavernier pay around $1,598 per year or $133 per month for great quality coverage and price you can afford to protect the home you love. These average home insurance rates reflect the cost of a basic single family home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage.
To receive free home insurance quotes, please start the quoting process online by simply enter your zip code or give us a call now at 1-888-685-4704.
Compare Homeowners Insurance Rates in Tavernier, FL!
Get up to 12 competitive Tavernier, 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 Tavernier, 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 Tavernier
Are you looking for homeowners insurance in a city near Tavernier? 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 Tavernier, FL
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Tavernier.
Tavernier, FL Home Insurance Average Premiums
$1348 /yr.
For the city of Tavernier, 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) | $1348 /yr. |
| Average Coverage: | $1598 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1898 /yr. |
What is the average home insurance cost for a home in Tavernier, FL?
- • The average homeowners insurance premium paid annually for a home in Tavernier is around $1598 per year.
What does it cost on average per month for home insurance in Tavernier, FL?
- • Homeowners in Tavernier pay an average cost per month around $133.00 for insurance coverage.
Tavernier, FL Coastal Wind, Hail & Flood Information
Tavernier is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.
Flood Zone Notice: The beautiful coastal city of Tavernier is know for it's beautiful beaches and waterways. Because Monroe County (FIPS: 12087) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Tavernier, FL.
Coastal Tavernier, Florida Information: To obtain flood insurance coverage, the process usually takes more than 30 days to finalize, if you need flood insurance coverage now, please call us at 888-620-1954.
For more information about your area, please click Coastal Homeowners Insurance in Florida
Tavernier, FL - 2023 Housing Information
| Month | Current Home Value (2023) | Last Year Home Value (2022) |
|---|---|---|
| January | $893,106 | $784,907 |
| February | $888,543 | $808,348 |
| March | $886,377 | $833,938 |
| April | $888,392 | $858,254 |
Homeowners insurance will help cover the cost to repair or replace your Tavernier 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 Tavernier
- 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 Tavernier, FL homeowners insurance rates all in one place! |
Saving Money Tips on Tavernier Home Insurance
A great way to save money on Tavernier 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 Tavernier 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 Tavernier, FL | » Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Tavernier, Florida. A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home. Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy. It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas. |
To get online quotes on your home and compare rates on home insurance premiums in Tavernier, 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 Monroe County.
Florida Homeowners Insurance News & Information
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$4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024
According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]
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I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
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Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024
As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]
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Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024
Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]
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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 […]
Tavernier, FL Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Tavernier 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 Tavernier, FL?
- The average square footage in Tavernier is around 1,385 Sq. Ft. which would cost you around $508,400 to replace the home if you base the home on the price to build per square foot of $367.
Minimum Replacement Cost Total: $508,400
Location: Tavernier, Florida (Monroe County)
Average Building Cost Per Square Foot in Tavernier: $367 (low end)
Average Square Footage in Tavernier: 1,385 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $367 | $508,400 |
| Some Additional Upgrades | $459 | $635,500 |
| Major Home Updates or Advancements | $551 | $762,600 |
The dwelling coverage is calculated by the average cost per square foot ($367) in Tavernier, 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.