Apopka Insurance Rates:

Apopka, FL home insurance is roughly $994 to $1,351, about $82-$112/month. Our thorough guide indicates shoppers can save upto $468 by comparing many quotes

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Read Apopka, Florida Home Insurance reviews to see who you can count on to get the cheapest quote. Compare & get the best deal.

Apopka Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $1040/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $260,000

4 Beds, 4 Baths 2360 sqft Vacation Property Constructed In 1991 with Carpet Flooring, Slate Shingles Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $220/1 month for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $165,000

5 Beds, 5 Baths 1800 sqft Rental Property Constructed In 2007 with Carpet over wood flooring, Membrane Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Indoor Sprinklers, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Married Male who is Unemployed and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $230/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Bath 1910 sqft Rental Property Constructed In 2002 with Wood Flooring, Composition Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

62 Years old Married Female who is a Freelancer with household income of $100-$150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $4070/6 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $445,000

5 Beds, 5 Baths 3940 sqft Seasonal Residence Constructed In 1988 with Carpet Flooring, Slate Shingles Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Fire Extinguisher, Fireplace, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $2080/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $325,000

4 Beds, 4 Baths 3290 sqft Vacation Property Constructed In 1997 with Wood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Married Female who has a Full Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $4300/6 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $420,000

5 Beds, 5 Baths 4490 sqft Primary Residence Constructed In 2007 with Carpet over wood flooring, Asphalt Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Central Air Conditioning, Swimming Pool, Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $620/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Baths 1990 sqft Seasonal Residence Constructed In 1996 with Carpet Flooring, Shingles Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Indoor Sprinklers, Deadbolt Locks, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Single Female who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2450/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $320,000

4 Beds, 4 Baths 3160 sqft Seasonal Residence Constructed In 1992 with Carpet over wood flooring, Metal Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

33 Years old Married Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $3560/10 months for $175,000-$200,000 Coverage
Policy Holder Home Details :

Home Value : $150,000

3 Beds, 3 Baths 1551 sqft Primary Residence Constructed In 1980 with Wood Flooring, Composition Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Indoor Sprinklers, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Single Female who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Apopka, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
32712 $203,000 $1,200

Apopka Rates & Quotes Analysis:

Apopka Area Estimated House Insurance
Jecenia Blossom Dr, E Main St, Orange Cir, Mayflower Ave, Nexus Ct, Emerald Rose Way, Gillespie Dr, W Albatross St, Cedar Glen Dr, N Line Dr$1,188
Northfield Dr, Beck St, E Sandpiper St, Mink Dr, Bickley Dr, Rambling Ct, Roger Williams Rd, Bronze Leaf Ct, Hiawatha Palm Pl, E Sandpiper St$1,197
Cascade Way, Powder Ave, W Grossenbacher Dr, Hermit Smith Rd, Overlook Ave, N Bulova Dr, la Mojadita Ct, Wekiwa Cir, Bent Oak Dr, May Day Dr$1,138
Hidden Pine Ln, Pegasus Dr, Pineview Ct, Lake Cortez Dr, W Welch Rd, View Ct, Pittman Rd, Kinsley St, Lake Blue Cir, Plymouth Sorrento Rd$1,208
W 19th St, Lake Francis Dr, N Highland Ave, Suggs Rd, Bavarian Way, Pine Gold Ave, Live Pine Cir, Crest Ct, E Crown Rd, W Myrtle St$1,153
Dunn Cove Dr, Kiowa Ave, Elderton Dr, McCoy Village Rd, Hughey St, Stanvoy St, Palm View Dr, W Seaflower St, Wekiva Bluff St, Summer Ln$1,186
Edwin Ave, Majestic Palm Ct, Brightview Dr, Piedmont Blvd, Stefan Cole Ln, Palm Oak Dr, Sparkleberry Ln, Stew Ln, New Hampshire Ave, Plymouth Oaks Rd$1,158
N Bradshaw Rd, M A Board St, N Washington Ave, Jamber Dr, Sand Wedge Loop, Shepard Ave, E Cleveland St, Saddleback Ridge Rd, Acacia Rd, W 10th St$1,119
Nova Dr, Maudehelen St, E 18th St, Epworth Ln, Greenacre Rd, Darity St, W 18th St, Haas Ave, E Albatross St, Beachwood Dr$1,196
Lake Grassmere Cir, Holly Creek Rd, Clear Harbor Ct, Rossman Dr, Llama Ct, Huron St, Degraw Dr, Sedona Cove Dr, Laurel Blossom Cir, Bonerly Cir$1,226

Insurance rates are influenced by a number of factors including:

  • Year Built: 3,942 Homes (11% of total homes ) built between 1970 to 1979 in Apopka are paying home insurance between $1,901-$1,918. Places close to Apopka, FL such as Tangerine, Forest City, Wekiwa Springs are more expensive by $91, $30, $89 respectively while Zellwood and South Apopka are cheaper by $87 and $75 respectively for similar homes.
  • Bedrooms: 8,504 4 bedrooms homes (25% of total homes ) in Apopka are paying about $1,371. Areas near to Apopka such as Tangerine, Forest City, Wekiwa Springs are costlier by $65, $10, $52 respectively whereas Zellwood and South Apopka are more economical by $73, $65 respectively for similar homes.
  • Auto Insurance Bundling: 4,221 Households (17% of all households) in Apopka have 3 or more vehicles available and when it is bundled with home insurance you can save $293 in contrast with Zellwood ($279), South Apopka ($281), Paradise Heights ($281).
  • Senior Discounts: 10,668 seniors (more than 55 years) occupied housing units (44% of total) in Apopka get discounts between $175 to $178 compared to Zellwood ($167), South Apopka ($168), Paradise Heights ($169).
  • New Homes discounts: New homes such as the 19,212 homes built between 2000 to 2009 in Apopka can save $234 and similar new home insurance discounts in nearby towns and cities like Zellwood, South Apopka and Paradise Heights are $223, $225 and $225 respectively.

Apopka Homeowners insurance Facts

  • Apopka, FL has 24,141 owner occupied houses which is 79.0% of all units whereas Zellwood, South Apopka and Paradise Heights have 88.08%, 60.18% and 55.69% respectively.
  • Apopka, FL homeowners yearly insurance price at $1,172 is 0.69% of the typical house value of $168,900 which is in contrast with 1.4% in Zellwood, 1.23% at South Apopka & 1.22% in Paradise Heights.
  • Homeowners in Apopka, FL pay 3.13% of their income ($35,000 to $39,999) in insurance whereas homeowners in Zellwood, South Apopka and Paradise Heights pay 2.98%, 3.0% and 3.01% respectively.
  • Apopka, FL’s insurance is 6.1% of monthly housing costs of $1,613/month, for owners with a mortgage compared to 9.83% in Zellwood, 8.39% at South Apopka & 11.11% in Paradise Heights. But, for households without a mortgage, insurance is 21% of costs ($465 in Apopka, FL) in contrast with 23.25% in Zellwood, 23.46% at South Apopka & 28.2% in Paradise Heights.

Apopka, FL Home Values & Insurance rates

For example, insurance for 580 Homes (2.0% of total homes ) valued between $60,000 to $69,999 in Apopka, FL is about $445. Rates in nearby areas in such as Tangerine, Ocoee, Mount Dora are cheaper by $151, $43, $1 respectively while Zellwood and South Apopka are costlier by $461 and $343 respectively for similar homes.

Apopka, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,304 10.0% $164
$50,000 to $59,999 582 2.0% $363
$60,000 to $69,999 580 2.0% $445
$70,000 to $79,999 974 4.0% $515
$80,000 to $89,999 995 4.0% $586
$90,000 to $99,999 857 3.0% $656
$100,000 to $124,999 2,052 9.0% $761
$125,000 to $149,999 1,927 8.0% $949
$150,000 to $174,999 2,384 10.0% $1125
$175,000 to $199,999 1,790 7.0% $1300
$200,000 to $249,999 3,513 15.0% $1558
$250,000 to $299,999 2,317 10.0% $1910
$300,000 to $399,999 2,454 10.0% $2426

Renters Insurance in Apopka

  • Average Renters Insurance in Apopka :  $147($12/month)

  • Median Gross Rent in Apopka :  $987

  • Apopka Renters Insurance to Median Rent Ratio:  1.22%

  • Average household size of renter-occupied unit :  3.03

Apopka Renters Insurance as a Percentage of Rent

Apopka Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 79 1.0% $786
$300 to $499 308 5.0% $1236
$500 to $749 970 16.0% $1911
$750 to $999 1,697 28.0% $2661
$1,000 to $1,499 1,951 32.0% $3786
$1,500 or more 940 15.0% $5436

Rent Affordability in Apopka:

Approximately 53.0% (3,432) of households are spending more than 35% of their income on gross rent in Apopka

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 427 6.0%
15.0 to 19.9 percent 370 5.0%
20.0 to 24.9 percent 642 10.0%
25.0 to 29.9 percent 759 11.0%
30.0 to 34.9 percent 780 12.0%
35.0 percent or more 3,432 53.0%

Protective device discount in Apopka Up to :  $22

Claims-free discount in Apopka Up to :  $29