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Home Insurance in Washington County, FL: Companies & Premiums

Home Insurance in Washington County, FL: Companies & Premiums

Beautiful lakefront property in Chipley, which is located in Washington County, FL.

Washington County is located roughly in the middle of the Florida Panhandle, and the landlocked county is primarily made up of suburban and rural communities. In 2019, according to the US Census Bureau, the population in Washington County was 25,473, which makes the county among those with the least residents in Florida.

The median household income in Washington County in 2018 was $37,888, which is much lower than the state and national equivalents, which is likely due to the lack of urban centers or coastal land in the county.

Home Insurance Premiums in Washington County

Because Washington County is a county without direct exposure to the Gulf of Mexico, factors like wind mitigation features don’t have as large of an impact on the average cost of home insurance. In other Florida counties that have property near or on the coastline, homes without wind mitigation tend to have the highest average premiums, but as you can see in the following table, that’s not the case in Washington County.

Average Homeowners Premiums in Washington County

Construction TypeHome ValueAverage Premium
Overall Average$1,707.41
Pre-2001 (No Wind Mitigation)$150,000$1,794.41
Pre-2001 (With Wind Mitigation)$150,000$1,260.33
New Construction$300,000$2,067.48

The data from Florida’s Office of Insurance Regulation revealed an overall average for home insurance in Washington County to be $1,707. Relative to the average home insurance premiums in Florida counties, the averages in Washington County are relatively low but that doesn’t mean there’s no room to find some serious savings if you shop around. 

To get your comparison shopping off to a solid start, consider asking for quotes from these companies, which have had the lowest average premiums in recent years in the county. 

Depending on the construction type of the home you’re interested in purchasing or already own, shopping with these companies can get you quotes that are range between roughly $500 to $900 cheaper than the county averages.

For $150,000 homes built before 2001 without wind mitigation, the average premium is $1,794.

To find below-average quotes check out these insurers:

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

CompanyAnnual Premium
St. Johns$1,259
Florida Peninsula$1,342
Security First$1,392
First Protective$1,402
Tower Hill Prime$1,420
Southern Fidelity$1,481
Florida Farm Bureau$1,566
People's Trust$1,581
Tower Hill Signature$1,611
Family Security$1,676
First Community$1,711
Tower Hill Preferred$1,732
Liberty Mutual$1,813
American Integrity$1,829
American Traditions$1,855
Tower Hill Select$1,883
Castle Key$1,918
Southern Oak$2,402
Auto Club of Florida$2,431
State Farm Florida$2,574
Florida Family$2,684

For $150,000 homes built before 2001 with wind mitigation, the average premium is $1,260.

To find below-average quotes check out these insurers:

  • Universal – $765
  • St. Johns – $776
  • Florida Farm – $782
  • First Protective – $785

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

CompanyAnnual Premium
St. Johns$776
Florida Farm Bureau$782
First Protective$785
Tower Hill Prime$934
Florida Peninsula$1,050
People's Trust$1,089
Security First$1,131
Southern Fidelity$1,160
Tower Hill Preferred$1,164
Tower Hill Signature$1,277
Tower Hill Select$1,283
Family Security$1,310
First Community$1,341
American Traditions$1,351
Liberty Mutual$1,372
American Integrity$1,391
Castle Key$1,575
Southern Oak$1,611
Auto Club of Florida$1,679
Florida Family$1,953
State Farm Florida$2,211

For $300,000 Homes with new construction, the average premium is $2,067.

To find below-average quotes check out these insurers:

  • St. Johns – $1,268
  • Florida Farm – $1,402
  • Stillwater – $1,407
  • Universal – $1,415

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

CompanyAnnual Premium
St. Johns$1,268
Florida Farm Bureau$1,402
First Protective$1,444
People's Trust$1,626
Security First$1,648
Florida Peninsula$1,682
Tower Hill Prime$1,762
American Traditions$1,857
Family Security$1,915
American Integrity$1,988
Tower Hill Select$2,015
Tower Hill Preferred$2,035
First Community$2,089
Southern Oak$2,129
Southern Fidelity$2,262
Castle Key$2,284
Tower Hill Signature$2,310
Auto Club of Florida$2,444
Liberty Mutual$2,786
Florida Family$3,433
State Farm Florida$3,712

Flood Insurance in Washington

Although Washington County homes might not face the same level of exposure to hurricanes coming up the Gulf Coast each year, homeowners will still need to have flood insurance policies to protect them from the financially devastating effects these storms can have.

Your standard home insurance policy won’t cover any water damage that comes from floods, and you can get affordable premiums from companies like First Protective that underwrite policies from the Federal National Flood Insurance program.

Population Centers in Washington County

The two largest cities in Washington County are Chipley and Vernon. Chipley is considerably larger, with over 3,000 residents, while Vernon has fewer than 700. The median household income in each is much lower than that of the county, which is likely because the farming jobs that make up most of Washington County’s economy are in shorter supply.

Referring back to the US Census, owner-occupied homes in the county had a median value of $109,800 from 2014-2018, which is low for the state but relatively high for the county’s median income. Comparatively, the neighboring county with the most similar household income is Holmes County and its median home value is almost $20,000 lower.

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