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This startling study about Watertown, FL Home Insurance Rates will give you a different perspective & keep your homeowners insurance really low.

Replacement Value of your home in Watertown, FL is the biggest driver of your coverage & home insurance.

Here is a list of replacement costs & home insurance for Watertown, FL & nearby areas

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Watertown 4 Beds, 3 Baths, 1730 sqft $174,000 $184
Baldwin 2 Beds, 1 Bath, 1,550 sqft $86,000 $155
Penney Farms 4 Beds, 2 Baths, 2,660 sqft $166,000 $284
Alachua 3 Beds, 2 Baths, 1,450 sqft $93,000 $116
Jennings 4 Beds, 1 Bath, 3,180 sqft $272,000 $255
Fargo, GA 2 Beds, 1 Bath, 1,460 sqft $96,000 $130
Cross City 2 Beds, 1 Bath, 1,110 sqft $66,000 $92
Fort White 4 Beds, 2 Baths, 3,290 sqft $222,000 $378
Manor, GA 2 Beds, 1 Bath, 1,240 sqft $99,000 $98
Echols, GA 3 Beds, 1 Bath, 1,430 sqft $78,000 $132
Lakeside 2 Beds, 1 Bath, 1,440 sqft $144,000 $217
Andrews 2 Beds, 1 Bath, 1,520 sqft $110,000 $150
Archer 2 Beds, 1 Bath, 1,630 sqft $79,000 $169
Lee 4 Beds, 2 Baths, 3,120 sqft $292,000 $206
Brooker 4 Beds, 1 Bath, 2,570 sqft $281,000 $328
Wellborn 4 Beds, 3 Baths, 3,390 sqft $201,000 $485
La Crosse 4 Beds, 2 Baths, 3,230 sqft $251,000 $443
Sanderson 3 Beds, 2 Baths, 1,680 sqft $123,000 $167
Keystone Heights 2 Beds, 1 Bath, 960 sqft $69,000 $78
Branford 2 Beds, 1 Bath, 970 sqft $43,000 $54
Fanning Springs 2 Beds, 1 Bath, 1,520 sqft $118,000 $248

If your Watertown, FL home has prior claims, your insurance is likelier to be higher

Here are some typical claims filed in Watertown:

Claim Typical Claim Amount
SINKHOLE $123,500
WIND $7,000
EARTH MOVEMENT $174,500

Your Watertown, FL insurance agent (see examples below) can help with your claims.

  • Travelers: The Wheeler Agency Inc, 622 sw main blvd , Lake City, FL, 32025 (386) 269-4314
  • State Farm: John Burns Iii, 234 sw main blvd, Lake City, FL, 32025-7047 386-752-5866
  • Allstate: First South-Lake City, 677 sw bascom norris dr ste 10, Lake City, FL, 32025 (386) 755-1666
  • Liberty Mutual Independent: Wheeler Agency Inc The, 622 sw main blvd, Lake City, FL, 32025 386-752-8660
  • State Farm: John Kasak, 904 sw sr 247 branford hwy, Lake City, FL, 32025 386-752-7521

Your Background Impacts Your Home Insurance Quotes

Here is a list of Watertown, FL homeowners with differing backgrounds & their changing home insurance.

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Part Time Job 650-699 Credit Score <$25,000 No Pets, Smoker $6,340
Freelancer 550-599 Credit Score <$25,000 1 Pet, Non-Smoker $2,650
Retired 800-850 Credit Score $25 to 50,000 3 Pets, Non-Smoker $1,750