Find Cheaper Homeowners Insurance

Home Insurance in Baker County, FL: Companies & Premiums

Home Insurance in Baker County, FL: Companies & Premiums

Home in Macclenny, FL. 📸: Trulia

Baker County sits along the eastern end of Georgia-Florida border, and with its population of 29,210 as of 2019, it’s one Florida’s less populated counties. Part of the reason for its somewhat low population is because the northern end of the county is occupied by the Okefenokee Swamp and several federally protected areas within it.

Living in Baker

A benefit of becoming a homeowner in Baker County is that incomes are relatively high for the cost-of-living. Owner-occupied homes in Baker County have a median value of $120,900 and the county’s median household income of $61,769, which is on par for the median household income at the national level. We sourced our statistical data from the U.S. Census.

The largest city in Baker County is Macclenny, which has over 6,000 residents, representing roughly 20 percent of the county population. Outside of Macclenny, Baker County’s residents live in significantly smaller unincorporated, rural communities.

Among the natural features of the county, there is the St. Mary’s River, which makes up part of the state border with Georgia, as well as portions of the Okefenokee National Wildlife Refuge and the Osceola National Forest.

Home Insurance Premiums in Baker County

Although Baker County is landlocked, its proximity to Florida’s Atlantic coast means that its homes are still vulnerable to tropical storms coming off the ocean. As a result, average home insurance premiums for different properties in Baker County are relatively high, but these costs can be decreased if homeowners purchase or upgrade properties to have wind mitigation features, as shown below.

Average Homeowners Premiums in Baker County

Construction TypeHome ValueAverage Premium
Overall Average$1,584.56
Pre-2001 (No Wind Mitigation)$150,000$1,610.19
Pre-2001 (With Wind Mitigation)$150,000$1,202.85
New Construction$300,000$1,940.63

We calculated the overall average for home insurance in the county to be $1,584 based on the data provided by Florida’s Office of Insurance Regulation. If you’re interested in owning a home in Baker County, make sure to do your due diligence and comparison shop for a policy that provides you the best value. In comparison to other counties in Florida, Baker County’s average premiums for each type of property are on the low to moderate end, but that doesn’t mean you should accept a similarly priced quote.

By shopping around for various quotes, either online or with the help of an insurance agent, you will be more likely to find quotes hundreds of dollars cheaper than the county average. Here, you can see the companies that have offered the lowest average policy premiums in the county recently.

For $150,000 homes built before 2001 without wind mitigation, the average premium is $1,610.

The companies with below-average rates are listed here:

  • Citizens – $1,069
  • Stillwater – $1,131
  • First Protective – $1,173
  • Universal – $1,198

List of Companies & Rates for Home Valued at $150,000, Pre-2001 Construction Without Wind Mitigation Rate in Baker County

Company NameAnnual Premium
First Protective$1,173
Florida Farm$1,230
Southern Fidelity$1,259
Tower Hill Prime$1,283
Florida Peninsula$1,291
People's Trust$1,405
Security First$1,426
Liberty Mutual$1,448
Florida Family$1,475
Tower Hill Select$1,560
First Community$1,568
American Integrity$1,583
American Traditions$1,617
Tower Hill Preferred$1,618
Tower Hill Signature$1,726
Southern Oak$1,836
Family Security$1,874
St. Johns$1,894
Castle Key$1,949
Auto Club Florida$2,228
State Farm Florida$2,307

For $150,000 homes built before 2001 with wind mitigation, the average premium is $1,202.

The companies with below-average rates are listed here:

  • Florida Farm – $638
  • Universal – $704
  • Citizens – $813
  • Tower Hill Prime – $926

List of Companies & Rates for Home Valued at $150,000, Pre-2001 Construction With Wind Mitigation Rate in Baker County

Company NameAnnual Premium
Florida Farm$638
First Protective$721
Tower Hill Prime$926
Southern Fidelity$993
Florida Peninsula$1,016
St. Johns$1,071
Florida Family$1,078
Tower Hill Select$1,100
People's Trust$1,110
Tower Hill Preferred$1,110
Southern Oak$1,209
Liberty Mutual$1,236
American Traditions$1,250
First Community$1,282
Security First$1,294
American Integrity$1,318
Tower Hill Signature$1,489
Family Security$1,591
Castle Key$1,723
Auto Club Florida$1,951
State Farm Florida$2,008

For $300,000 Homes with new construction, the average premium is $1,940.

The companies with below-average rates are listed here:

  • Stillwater – $1,115
  • Florida Farm – $1,171
  • First Protective – $1,298
  • People’s Trust – $1,554

List of Companies & Rates for Home Valued at $300,000, New Construction in Baker County

Company NameAnnual Premium
Florida Farm$1,171
First Protective$1,296
People's Trust$1,554
Southern Oak$1,587
Florida Peninsula$1,628
American Traditions$1,683
St. Johns$1,714
Tower Hill Select$1,748
Tower Hill Prime$1,760
Security First$1,771
American Integrity$1,823
Florida Family$1,887
Southern Fidelity$1,931
First Community$1,964
Tower Hill Preferred$1,974
Family Security$2,330
Castle Key$2,481
Liberty Mutual$2,497
Auto Club Florida$2,540
Tower Hill Signature$2,649
State Farm Florida$3,370

Flood Insurance in Baker

Despite Baker County’s relative insulation from the Gulf and Atlantic coasts, many homes in the county are still vulnerable to flooding due to tropical storms each hurricane season. For homeowners, this means that they need to purchase additional flood insurance policies to financially protect their homes and property.

Florida home insurance won’t provide coverage for water damage due to flooding, but affordable flood insurance policies from the federal National Flood Insurance Program can cover your home and personal property. Regional companies like First Protective will underwrite NFIP policies and can help make it easy to pay for your insurance by having both home and flood insurance policies under one company.

Leave a Comment