Get Lulu, FL Home Insurance Rates!

Lulu, FL homeowners want a fast way to compare the best rates available on a local level. At GetHomeInsuranceQuotes.com, we help compare up to 12 competitive rates while considering enhanced coverage options, discounts, and ratings. Our top carriers in Lulu have affordable home insurance prices available from branded insurers that you know and trust. Most of all, you can easily enjoy our hassle free quoting process all within one website. Let us help you shop and compare Lulu homeowners insurance rates today, enter your Florida zip code to start a free online quoting application process.

"What does home insurance cost near me?" For an HO-3, standard homeowners policy in the Lulu area, you are looking to pay around $2,165 per year on average, per month, the cost is only around $180. Customers can save up to 40% or more when we help you shop the best rate and coverage option. Cheaper rates are available, but most of the time, low rates have limited coverage protection. Our free consulting process allows you to view all the necessary enhanced coverage features, plus added discounts and deductible options.

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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 Lulu, 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 Lulu

Are you looking for homeowners insurance in a city near Lulu? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Lulu, FL

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

32061,     

Lulu, FL Home Insurance Average Premiums

$1372 /yr.

For the city of Lulu, 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.

What is the average home insurance cost for a home in Lulu, FL?

What does it cost on average per month for home insurance in Lulu, FL?

Lulu, FL - 2023 Housing Information

Homeowners insurance will help cover the cost to repair or replace your Lulu 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:

Get up to 12 competitive Lulu, FL homeowners insurance rates all in one place!

Saving Money Tips on Lulu Home Insurance

A great way to save money on Lulu 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:

Are you shopping for the best rate near or wihin the Lulu area? Check out what homeowners are paying on average for Florida homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Florida flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Lulu, 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 Columbia County.

Florida Homeowners Insurance News & Information

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 […]

Lawmakers in Florida are moving closer to allowing specific insurer types to make offers to policyholders currently with Citizen’s Property to insure their vacation or second home.  SB 1716 this week cleared the Senate’s Fiscal Policy Committee for the takeout offers after the Senate’s Banking and Insurance Committee approved the measure earlier this month.  This […]

Recently, Florida has seen seven new insurance companies enter the market for homeowners coverage. Currently, the average premium for homeowners coverage is $6,000 a year in the Sunshine state compared to a nationwide average of just $1,700 a year, according to the Insurance Information Institute.  The Insurance Information Institute is hopeful that the new insurance […]

If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

Homeowners Choice Property and Casualty Insurance Co. has assumed approximately 53,750 policies from Citizens Property Insurance Corp., Florida’s state-backed insurance company, the parent company says in a Tuesday news release. Homeowners Choice is owned by HCI Group Inc., a holding company with operations in homeowners insurance, information technology services, real estate and reinsurance. Homeowners Choice […]

Lulu, FL Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Lulu 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 Lulu, FL?

- The average square footage in Lulu is around 1,138 Sq. Ft. which would cost you around $190,100 to replace the home if you base the home on the price to build per square foot of $167.

Minimum Replacement Cost Total: $190,100

Location: Lulu, Florida (Columbia County)

Average Building Cost Per Square Foot in Lulu: $167 (low end)

Average Square Footage in Lulu: 1,138 Sq. Ft.

The dwelling coverage is calculated by the average cost per square foot ($167) in Lulu, 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 $521,875 (Media price to build of $209 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.

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