Check out the most popular Home Insurance agencies & companies in Polk County, FL & compare the best quotes from them.

Get Quotes From The Best & Compare

Average Cost of Homeowners Insurance in Polk County, FL

The average cost of homeowners insurance in Polk County, FL, is $1,133.67. Buying a house is one of the most significant investments a homeowner will ever make. Therefore, homeowners must consider insuring their homes. Without insurance, homeowners may end up spending thousands of dollars in repairs due to natural disasters, vandalism, theft, and other menaces.

Thus, homeowners must compare different quotes and policies offered by home insurance companies in Polk County, FL, before proceeding with a definitive decision. Below is the list of top insurance providers and policies available in Polk County, FL.

Average_Cost_of_Homeowners_Insurance_in_Polk_County_FL

Factors affecting home insurance in Polk County, FL:

1. Home insurance rates by coverage levels 

2. Home insurance rates by deductibles

3. Home insurance rates by materials used

4. Home insurance rates by the number of claims

Homeowners insurance in Polk County - Rates by coverage level

The most crucial concern for homeowners is protecting their families and themselves from events that could put their lives at risk. Home insurance coverage protects you from big and small losses, ranging from everyday occurrences like slips, trips, and falls to issues specific to Florida, such as floods or hurricanes. A homeowner's insurance policy typically does not cover certain menaces, such as floods and earthquakes.

Before shopping for homeowners insurance in Polk County, FL, it's essential to apprehend all the various kinds of coverage available. Refer to the chart below to learn the cost of homeowners insurance in Polk County, FL, based on the coverage limit opted by the homeowners.

Average_Cost_of_Homeowners_Insurance_in_Polk_County_FL

Homeowners insurance in Polk County - Rates by deductibles

The deductible is the amount you must pay out of pocket before your insurance company pays a claim, where the amount is paid after an incident. For example, if your home suffers $10,000 in damage and your deductible is $1,000, your insurer will help cover the repair costs of $9,000, and you have to pay $1,000.

Homeowners who opted for a deductible of $1500 pay $954 towards their home insurance in Polk County, FL. Homeowners who choose to pay a low deductible have to pay a higher premium. For instance, homeowners who opted for a deductible of $500 pay $1121 towards their home insurance in Polk County, FL.

Average_Cost_of_Homeowners_Insurance_in_Polk_County_FL

Homeowners insurance in Polk County - Rates by materials used

When you build a home with brick and stone, you are investing in years of protection, safety, and security. Brick and stone are natural materials that do not burn or melt and therefore help reduce maintenance concerns over the lifetime of your home. Using during materials can also lower your homeowner's insurance rates in Polk County, FL. For example, homeowners who use masonry brick and hail-resistant roofs to build their homes pay $1077 and $1111, respectively, on homeowners insurance in Polk County, FL.

Homeowners insurance in Polk County - Rates by the number of claims

A claim is typically a demand for compensation made by an insured or beneficiary to an insurance company to pay the covered loss. At the point of initial contact with a claims representative, insurance companies often collect information and ask questions about how, when, and where the incident occurred, for instance, in the event of theft, burglary, or vandalism. Homeowners with zero claims get discounts on home insurance rates in Polk County, FL. For example, insured with zero claims can purchase their policy for as low as $998 in Polk County, FL. Homeowners with one or two claims pay around $1202 and $1282, respectively, on their homeowner's insurance in Polk County, FL.

Top Home Insurance Companies in Polk County, 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 Allstate Home Insurance Agents in Polk County, FL

Homeowners Insurance Agents Agent Address Contact Details
Lela Remmick 3751 MARYWEATHER LN STE 102
33541
813-788-1465
Michael J Mcdyer 2703 West Kennedy Boulevard
33609
(813) 259-1142
Keys Ins Services 2525 DRANE FIELD RD STE 3
33811
863-646-3332
Ted Todd 38511 5Th Ave
33542
(813) 815-5192
Tony Faw 1737 South Orange Ave #300
32806
Eugene J Eike 12483 S Orange Blvd Trl
32837
(407) 438-1113
Mike Glancy 1500 6Th St Nw
33881
(863) 294-4241
Horton & Assoc Llc 1315 PROVIDENCE RD
33511
813-681-9884
Eyal Ron 2052 E Edgewood Dr
33803
(863) 667-0046
Bruce & Hook Inc 116 S 1st St
33853-4108
863-676-2718

Top State Farm Home Insurance Agents in Polk County, FL

Homeowners Insurance Agents Agent Address Contact Details
J B Darnell 4016 HENDERSON BLVD STE O
www.jbdarnell.net 33629
813-837-4891
Terry Pyles 3004 Us Highway 98 N
www.terrypyles.com 33805
Doug Zeigler 3641 W Kennedy Blvd Ste F
www.dougzeigler.com 33609
(813) 353-0303
Chance Miller 12908 S Ob Trl Unit 101
www.insuranceroanoke.com 32837-6598
407-857-2461
Bob Smith 1531 Dale Mabry Hwy Ste 101
www.bobsmithclu.com 33548-3051
813-949-3669
Alexcius Branch 2813 S Hiawassee Rd Ste 107
www.alexciusismyagent.com 32835-6689
407-522-9700
Heather Copeland 16767 Fishhawk Blvd
www.heathercopeland.com 33547
(813) 643-3900
Suzanne Gorgas 1845 Collier Pkwy
www.sullivanagent.com 33549
Lelly Woo-Grimes 8913 REGENTS PARK DR STE 640
www.orangecountyagency.com 33647
813-991-9991
Frank Raney 6945 Gall Blvd
www.tucsonfrank.com 33542
(813) 782-5551

Top Erie Home Insurance Agents in Polk County, FL

Homeowners Insurance Agents Agent Address Contact Details
Williamson Insurance & Financial Services Inc. 7208 Sand Lake Rd. Suite 300
32819
(321) 234-9392
Charles P Faso Inc 223 Us Highway 27 N
www.cfaso.com 33870-2132
863-385-2505
Walker Insurance Associates Llc 117 Flamingo Dr
www.walker-ins.net 33572
Triangle Insurance Group Davie County 7587 W Sand Lake Road
32819
(407) 347-2993
Hosfeld Insurance Llc 300 W PLATT ST 200
33606
813-229-8021
Cta Insurance Agency Inc. 3704 Swann Avenue
33609-4522
813-289-7888
The Beneigh Insurance Group 307 Park Lake Circle
32803
Terri Kelso Insurance 2044 Ashley Oaks Circle Ste 102
www.terrikelso.com 33544
Bridge First Financial Inc. 1615 E Vine St
www.bridgefirstfinancial.com 34744-3721
407-846-1644
Simpkins Foley Insurance Associates 8870 N Himes Ave 8870 N Himes Ave Tampa
www.simpkinsinsuranceagency.com 33614

Top Travelers Home Insurance Agents in Polk County, FL

Homeowners Insurance Agents Agent Address Contact Details
Paris V Mastroddi Inc 1617 E GARY RD
33801
(863) 682-5195
A L Alford & Co Inc 1214 Oakfield Dr
33511-4918
813-685-5623
Watkins Insurance Agency Inc 605 E Robinson St #450
32801
Ima Inc 1703 B THONOTOSASSA RD
www.imacorp.com 33563
813-752-2223
Email:tina.wirtz@imacorp.com
Grimm Insurance Agency Inc 1003 S Collins St
33563
(813) 752-2556
Carleton Agency Inc 922 Lake Baldwin Ln Ste A
32814-5900
407-277-2997
Email:carletonagency@hotmail.com
Americana Insurance Agency 2507 Curry Ford Rd
32806-2505
407-898-2041
Pag Agency Inc 1200 HILLCREST STREET STE 300
32803
(407) 849-1988
Couch Braunsdorf Affinity Inc 1121 S Florida Avenue
33803-1307
863-683-5553
The Heritage Group 7362 Futures Dr Ste 21B
www.theheritagegroup.info 32819

Email:tterpening@theheritagegroup.info

Top Nationwide Home Insurance Agents in Polk County, FL

Homeowners Insurance Agents Agent Address Contact Details
Beidle Insurance Agency Inc 37924 Pasco Ave
33525-4213
352-567-5681
Chris Arnott Agency Inc 1501 Legends Blvd
33896-8300
407-390-7275
Parisi J Assoc Inc 1330 HAVENDALE BLVD NW
33881
863-293-2838
Hoynes Ins Agency Llc 2 W MONUMENT AVE STE 206
34741
407-281-1850
Hoyng Insurance Group Llc 222 CHURCH ST
34741
407-847-2841
Michael Tobash 13526 Village Park Drive Suite 222
32837
1-407-812-5774
Lemieux Insurance & Financial Services Llc 15350 N FLORIDA AVE
33613
813-960-5293
Timothy B Jackson 238 E Davis Blvd Ste 215
33606
Wilson Insurance Agency Inc 7203 N Florida Avenue
33604
Imee C Jackson Agency 6810 E HILLSBOROUGH AVE
33610
813-621-3433

Homeowners Insurance Comparison for the Cheapest Premiums in Polk County, FL

State FarmTravelersErie
Median Home Value ($) 128,990118,990118,990
Construction year 198819841994
Home Coverage ($) $125000-$150000$50000-$75000$100000-$125000
Total Premium ($) $1914$1245$2031

Polk County, FL Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Allstate upto 24%
Erie upto 23%
Travelers upto 11%
Nationwide upto 10%