The top-rated home insurance agent in Niceville, Florida is Ryan Cabaniss - State Farm Insurance Agent, rated 4.9 stars across 350 reviews. Other highly rated options include Cooke Insurance Agency, Niceville Insurance Agency, Medicare Supplement Services. This directory lists 14 home insurance agents serving Niceville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Ryan Cabaniss - State Farm Insurance Agent | 296 Bayshore Dr | (850) 678-7878 |
| 2 | Cooke Insurance Agency | 1189 E John Sims Pkwy | (850) 279-4643 |
| 3 | Niceville Insurance Agency | 109 Bullock Blvd | (850) 729-2131 |
| 4 | Medicare Supplement Services | 110 Partin Dr N | (850) 208-3557 |
| 5 | Love Insurance Services Inc | 4400 FL-20 STE 314 | (850) 279-6806 |
| 6 | Williams Insurance Agency | 299 Government Ave | (850) 678-4333 |
| 7 | Bo Burns - State Farm Insurance Agent | 1811 E John Sims Pkwy | (850) 678-3441 |
| 8 | Frances Faille: Allstate Insurance | 917 Hospital St | (850) 678-5642 |
| 9 | Lenny Coughlin: Allstate Insurance | 4524 E Hwy 20 | (850) 678-0996 |
| 10 | Bradley Title, LLC | 1813 E John Sims Pkwy A | (850) 279-3637 |
Ryan Cabaniss - State Farm Insurance Agent serves Niceville, Florida, and the surrounding Okaloosa County area. The company provides home insurance policies designed to protect single-family homes, condominiums, and rental properties. Coverage options typically include dwelling protection, personal property coverage, and liability insurance. Agents help homeowners assess their specific property risks in this coastal community. They also assist with bundling auto and home policies for streamlined management. This agency specifically handles new home insurance quotes and policy reviews for existing customers.
Cooke Insurance Agency provides home insurance agent services throughout the Niceville, Florida area. Its representatives help clients compare policy options and obtain necessary coverage for their residences. Standard services include regular policy reviews and assistance with claims filing to ensure adequate protection. The agency typically helps with obtaining quotes for different dwelling types, from single-family homes and townhouses to apartments and condominiums. It also assists with coverage for commercial properties such as retail storefronts and local restaurants.
A home insurance agency in Niceville, Florida, Niceville Insurance Agency serves homeowners, property managers, and local businesses seeking coverage for residential structures and personal belongings. The agency helps clients navigate policy options that protect against common regional risks, including wind damage and flooding. It assists with claims guidance and policy reviews to ensure adequate coverage limits. The agency also extends its services to property owners in the surrounding communities of Valparaiso and Shalimar, offering the same homeowner insurance support across the greater Eglin Air Force Base metro area.
Medicare Supplement Services serves Niceville, Florida, and the surrounding communities of the western Panhandle, handling homeowners insurance needs for local properties. It assists clients with protecting their residences from common regional risks such as storms and flooding. Coverage options are typically reviewed to match individual property values and personal liability concerns. The general approach it uses to handle a typical job includes a consultation to assess the home's specific exposures, followed by a comparison of available policies from multiple carriers.
Love Insurance Services Inc in Niceville, FL guides homeowners through the difference between a standard annual policy and the option for periodic endorsements, ensuring coverage adapts to changing property needs. The agency helps evaluate dwelling, personal property, and liability protections, aligning limits with local risks such as storms or fire. Their home insurance agent services assist clients with both initial policy setup and mid-term adjustments. Service runs on an as-needed basis, with meetings arranged when a client requires a policy review or a new quote.
With hurricane season approaching in Niceville, FL, Williams Insurance Agency helps homeowners review their policies for adequate wind and flood protection. The company specializes in home insurance, guiding clients through coverage options tailored to local coastal risks. Each consultation focuses on understanding the specific needs of a property. The process often begins with an inspection, examining the home’s roof age, foundation, and overall condition to identify any issues that might affect the premium. An initial assessment is then scheduled to produce a personalized coverage quote.
Serving as a home insurance agent in Niceville, FL, Bo Burns - State Farm Insurance Agent specializes in structuring policies that protect properties from common perils. It works with homeowners to tailor coverage limits and deductibles to their specific needs. The agent provides ongoing guidance to ensure local residents understand the details of their policies. For those near the coast, it offers assistance reviewing windstorm and hurricane coverage requirements that become especially important at the start of storm season.
Frances Faille: Allstate Insurance is a home insurance agent serving the Niceville, Florida area, providing coverage for dwellings and personal property against common risks. It can arrange add-on policies for valuable items or water backup coverage. The agency helps property owners evaluate their needs to secure a policy that aligns with local weather patterns and housing values. Its commercial sector offerings include policies for small offices, warehouses, and food service establishments in the region.
Lenny Coughlin: Allstate Insurance offers residential home insurance services throughout the Niceville, Florida area. The agency also provides commercial coverage tailored to local businesses and property owners. Clients receive personalized guidance to help protect their homes against regional weather concerns. Service extends to surrounding communities, ensuring neighboring residents also have access. The same agent follows up after claims or policy changes to address ongoing needs between regular renewal visits.
Bradley Title, LLC, based in Niceville, FL, is a home insurance agent known for guiding homeowners through the complexities of property coverage. It serves the local community by assessing individual risks and securing policies that align with each client’s needs and budget. The typical work involves comparing protection options from multiple providers to ensure adequate dwelling and liability coverage. A specialty service it can add on is flood insurance, offering vital protection against storm surge and heavy rainfall common to the Gulf Coast region.
What Does a a Home Insurance Agent in Niceville Cost?
The average cost of home insurance in Florida is about $1,900 per year but rates in Niceville can range from $1,200 to $3,000 depending on your home value and location. Factors like the age of your roof and proximity to the coast affect your premium. This is general information and not insurance advice.
About home insurance agents in Niceville
Home insurance agents in Niceville Florida help residents find coverage for their homes against risks like hurricanes and floods. Florida law requires insurers to offer windstorm coverage and agents can explain the Florida Building Code compliance discounts. A local agent understands the specific needs of homes in Okaloosa County and can guide you through the insurance process.
Frequently Asked Questions
What does a home insurance agent in Niceville do?
A home insurance agent helps you compare policies from different insurance companies. They explain coverage options like dwelling protection and liability. They also help you understand Florida specific rules such as the 72 hour cancellation period for new policies.
Do I need flood insurance in Niceville Florida?
Flood insurance is not required by Florida law for all homeowners. However lenders may require it if your home is in a high risk flood zone. Many Niceville properties are near water so an agent can help you decide if a separate flood policy from the NFIP or a private insurer is right for you.
How does Florida law affect my home insurance policy?
Florida law requires insurance companies to offer replacement cost coverage for roofs. It also limits the time to file a claim to 2 years for most perils. An agent can explain these statutes and help you meet the requirements for discounts like wind mitigation credits.
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