Homeowners Insurance Quotes in Crestview, FL

What You Should Know About Home Insurance in Crestview

Crestview, located on the Florida panhandle and covering 12.8 square miles, most of which is land, has been a city since 1916. Situated between the Shoal and Yellow rivers, Crestview earned its name from its position as one of the highest elevations in the Sunshine State at 235 feet above sea level. The city became the seat of Okaloosa County in 1917.

Visit any of Crestview’s seven parks for a recreational retreat, such as Allen Park for picnicking or the Environmental Center and its accompanying Environmental Museum, where you can learn about 100 trees native to Florida. You can also explore Crestview’s history and early architecture at the Crestview History Museum and Bush House.

Crestview has a moderate climate with an average of 64 inches of rain per year, summer highs that sometimes reach triple digits, and winter snowfall about every three years.

Whatever the weather, you have better things to do in Crestview than shop around for insurance. That is why InsureOne agents make it easy to find coverage by providing concierge service — they do all the research for you to find you the best homeowners insurance in Florida at competitive rates, so you can get back to doing what you love.

How Much Does a Homeowners Insurance Policy Typically Cost in Crestview?

Homeowners insurance rates and home values change over time due to factors such as materials, labor, and real estate demand fluctuations. Zip codes also play a part.

The average cost of Crestview home coverage is less than the national average, as shown in the table below:

Dwelling Insurance Total	Average Annual Cost in Crestview	Average Annual Cost Nationwide
$300K	$1,870	$2,582
$600K	$3,569	$4,140
$1 million	$5,819	$7,380

We arrived at these numbers by using the cost of dwelling coverage, a $100,000 liability and a standard $1,000 deductible.

How Do Home Insurance Deductibles Change Insurance Rates in Crestview?

A deductible is your portion of the financial responsibility for a claim — in other words, if damage for your approved claim is $2,000 and your deductible is $500, your insurer will cover $1,500.

If you choose a higher deductible, your rates will be lower, but you will be on the hook for that higher deductible. It also means you may be unable to file a claim for certain damages. As an example, if your deductible is $2,000 and your damage is $2,000, you would need to pay the entire repair cost out of pocket.

Most home policies in Florida carry a deductible between $500 and $5,000, except for damage from hurricanes, which typically carries a deductible that is a percentage of the policy’s limit. Speak with your InsureOne agent to determine which deductible works best for your unique situation.

Is Home Insurance Tax Deductible in Crestview?

Your premiums are typically not tax deductible except in certain situations. You may deduct part or all of your home coverage if you use your Crestview home in some way as a business, such as using a designated room as a home office or for business storage or renting out part of your personal residence or an entire separate home.

There are specific rules for these deductions, so be sure to check with your tax advisor for clarification.

Does Crestview Have the 80% Homeowners Insurance Rule?

Yes, Crestview insurers follow the 80% rule. This industry standard — not law — provides you with 80% of the replacement value of your home. For example, if your Garden City home is valued at $300,000, you would need $240,000 (80% of $300,000) worth of insurance under the 80% rule.

If you have less than 80% coverage, your insurer will pay a smaller percentage of your claim, so it is important to contact your insurer if you think your property value has increased, such as from renovations, in order to have your policy adjusted.

Your InsureOne agent is standing by to provide you with customized coverage and make amendments when necessary to ensure you have the proper coverage, whatever your needs.

Bundling Home and Auto Insurance in Crestview

If you are looking for cost savings, one way to find it is by bundling your policies — or in other words, buying more than one policy from one insurer. If you are in the market for auto insurance — or any other kind of insurance — along with your homeowners policy, you can save up to 25% off your bill. Bundling will also streamline your paperwork and payment process and save you time you would otherwise spend looking around for another insurer.

Your expert InsureOne agent can provide you with a one-stop shopping experience by taking note of all your insurance needs and then finding you the best policies at affordable rates.

What Factors Do Insurance Companies Consider When Setting Rates?

Insurance rates differ due to many factors insurers review when setting rates, such as:

• Location: Crime and weather statistics in your area help determine the likelihood you will file a claim for theft, vandalism, or natural disaster damage.
• Square footage: Your home’s size helps insurers determine how much the structure will cost to repair or replace.
• Home’s age: Older homes can cost more to restore or rebuild. Your insurer will review this to help determine your rate.
• Construction materials: Some materials withstand damage better than others (e.g., stone versus wood) but may be more expensive to replace.

Your agent can answer any questions you may have about these and other factors that may apply to your circumstances.

What Are the Different Types of Homeowners Coverage Offered in Crestview?

Homeowners insurance is more than a one-size-fits-all policy. There are eight types of standard homeowner insurance to account for the various types of residences.

Here is an overview of four of them:

• HO-1: This basic policy covers damage from 10 perils for single-family homes.
• HO-5: This is the most comprehensive policy covering all perils except those listed as exclusions and pays replacement costs rather than factoring in depreciation.
• HO-6: This is for those who live in a condo or co-op. It provides coverage for walls, floors, ceilings, and your belongings.
• HO-7: This coverage is for manufactured homes or stationary mobile homes.

Your InsureOne agent can give you more details about all eight policy types and the coverage each one provides to find the one that best suits your situation.

What Is the Most Common Type of Home Purchased in Crestview?

Crestview has just over 10,000 houses and apartments, over half of which were built later than the year 2000, with a median cost of nearly $340,000. About 74% of these are single-family homes containing three or four bedrooms. The remaining housing includes apartments, duplexes, and row houses.

Whichever type of residence you choose — a single-family home in Silver Springs, an apartment in City Center, or a home in any other Crestview neighborhood — you will need the best homeowners insurance coverage to protect it in case of unexpected disasters.

Which Common Natural Disasters Are Covered by Home Insurance in Crestview?

With the regular occurrence of hurricanes and tropical storms in Florida, it is essential to review your coverage and understand what is included. If you need help understanding certain insurance terms, you can review them in the homeowners insurance glossary.

It is likely your policy covers the following natural disasters:

• Tornadoes: Crestview is susceptible to tornadoes, which can send loose items such as outdoor furniture and tree branches through the air like projectiles, causing major property damage. Certain types of tornado damage are usually covered.
• Snowstorms: The early 2025 snowstorm brought a sheet of ice to Crestview. Most policies cover damage from the weight of snow, ice, and sleet.
• Hailstorms: Hailstorms sometimes happen in Florida. Hailstones can cause significant damage to roofs, siding, and gutters.

Some types of damage from these natural disasters, such as flooding, may require add-on coverage, referred to as a rider. Your agent can go over what your specific policy covers and advise you as to whether you need any riders.