Deltona Insurance Rates:

Deltona, FL home insurance is nearly $985 to $1,336, about $82-$111/month. Our complete research reveals consumers can save as much as $464 by comparing many quotes

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Deltona Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $2100/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $240,000

4 Beds, 4 Bath 3020 sqft Seasonal Residence Constructed In 1997 with Carpet over wood flooring, Slate Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

45 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2830/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $195,000

3 Beds, 3 Bath 2190 sqft Seasonal Residence Constructed In 1990 with Linoleum, Membrane Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Smoke Alarm, Fireplace, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

35 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

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

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $980/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $255,000

5 Beds, 5 Bath 3420 sqft Primary Residence Constructed In 2014 with Wood Flooring, Composition Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Fireplace, Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Married Male who is a Freelancer with household income of $50-$75,000 and has 1 Pet and is a Smoker

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

  • 700-749 Credit Score

Home Insurance Rate of $2320/7 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $260,000

4 Beds, 4 Baths 3150 sqft Vacation Property Constructed In 2006 with Ceramic Tile Flooring, Metal Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1900/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Bath 2440 sqft Rental Property Constructed In 1983 with Ceramic Tile Flooring, Asphalt Shingles Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $980/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Baths 1810 sqft Vacation Property Constructed In 2009 with Hardwood Flooring, Slate Shingles Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, Indoor Sprinklers, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

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

  • 750-799 Credit Score

Home Insurance Rate of $790/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

4 Beds, 4 Baths 2480 sqft Seasonal Residence Constructed In 1998 with Carpet over wood flooring, Tile Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

37 Years old Divorced Female who has a Full Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $1250/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $145,000

3 Beds, 3 Bath 1660 sqft Vacation Property Constructed In 2014 with Linoleum, Metal Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Divorced Male who is a Freelancer with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $480/3 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Baths 1380 sqft Vacation Property Constructed In 2012 with Hardwood Flooring, Wood Shake Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Smoke Alarm, Central Air Conditioning, Indoor Sprinklers, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Married Male who has a Full Time Job with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Deltona, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
32738 $149,400 $1,170
32725 $147,400 $1,170

Deltona Rates & Quotes Analysis:

Deltona Area Estimated House Insurance
Wood Rose Way, Kicklighter Rd E, Leonardy Ave, July Cir, Cornell Ter, Trellis Ave, Penfield Ave, Collins Rd, George Sauls St, Comanche Trl$1,164
Kent Rd, Rockford St, Obannion Ter, New Smyrna Blvd, Stillbrook Trl, Oberlin Ln, Pinehurst St, Buccaneer Ave, Bluffview Cir, Newmark Dr$1,168
Frontier Trl, Azora Dr, Fifer Dr, Worth Ln, Silverdale St, Greendale Ave, Weybridge St, Yorkshire Dr, E Washington Ave, Van Allen Cir$1,152
Auburndale St, Emmel Rd, Birch Ln, Holston St, Tradewinds Dr, Butterfield St, Oaklea Dr, Telford Ln, Shiprock Ct, Apaloosa Trl$1,166
Mariner Ter, W Embassy Dr, Stone Island Rd, Anderson Dr, S Anchor Dr, E Kicklighter Rd, Kimball St, Eunice St, Laredo Dr, Lafoy Ct$1,170
Angora St, Gator Ln, S Summit Ave, Lake Doyle Dr, Pinelyn Rd, W Barlington Dr, N High St, Pamona St, Tyler Ave, Longwood Dr$1,169
Goldenhills St, Amber Ridge St, E Decarlo Dr, Keeling Dr, Larch St, Tacoma Ave, Greenview Dr, Lightfoot St, Banner Ter, Doyle Rd$1,155
Wiltshire Ave, White Tail Cir, Bern Ct, S Old Mill Dr, E Park St, Evard Ave, Meadow Lark Dr, Montego St, Penton Ct, Northcliff Ave$1,168
W Akron Dr, Tilburg Ave, Michigan Ave W, Cardinal St, Ainsworth Ave, Wiggley Farms Rd, Delaware Ave W, W Hancock Dr, Pinegrove Ave, Cambridge St$1,164
Adelia Blvd, Montoya Dr, Springs Landing Dr, Evard Ave, W Canal Rd, Bonkirk Dr, Salem Ct, Kantagree Trl, Roseboro Ct, Nardello Dr$1,154

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,902 Homes (21% of total) built between 1990 to 1999 in Deltona are paying home insurance between $1,673-$1,691 and differs from DeBary (+$19), Central Volusia (+$90), Sanford (+$51), Orange City (-$56) and Lake Helen (-$20).
  • Bedrooms: 6,452 2 bedrooms homes (17% of total homes ) in Deltona are paying about $673. Areas near to Deltona such as DeBary, Central Volusia, Sanford are costlier by $8, $36, $21 respectively whereas Orange City and Lake Helen are more economical by $22, $8 respectively for similar homes.
  • Auto Insurance Bundling: 12,264 Households (46% of all households) in Deltona have 2 vehicles available and when it is bundled with home insurance you can save $232 in contrast with Orange City ($224), Lake Helen ($229), DeBary ($234).
  • Senior Discounts: 12,777 seniors (more than 55 years) occupied housing units (48% of total) in Deltona get discounts between $173 to $176 compared to Orange City ($168), Lake Helen ($171), DeBary ($175).
  • New Homes discounts: New homes such as the 16,291 homes built between 2000 to 2009 in Deltona can save $232 and similar new home insurance discounts in nearby towns and cities like Orange City, Lake Helen and DeBary are $224, $229 and $234 respectively.

Deltona Homeowners insurance Facts

  • Deltona, FL has 26,590 owner occupied houses which is 82.7% of all units whereas Orange City, Lake Helen and DeBary have 58.83%, 74.85% and 86.3% respectively.
  • Deltona, FL homeowners yearly insurance price at $1,160 is 0.78% of the typical house value of $149,600 which is in contrast with 1.34% in Orange City, 0.92% at Lake Helen & 0.69% in DeBary.
  • Homeowners in Deltona, FL pay 23.2% of their income (Less than $10,000) in insurance whereas homeowners in Orange City, Lake Helen and DeBary pay 22.42%, 22.92% and 23.46% respectively.
  • Deltona, FL’s insurance is 7.1% of monthly housing costs of $1,368/month, for owners with a mortgage compared to 7.86% in Orange City, 7.46% at Lake Helen & 6.47% in DeBary. But, for households without a mortgage, insurance is 25.6% of costs ($378 in Deltona, FL) in contrast with 22.62% in Orange City, 22.9% at Lake Helen & 18.98% in DeBary.

Deltona, FL Home Values & Insurance rates

For example, insurance for 4,200 Homes (16.0% of total homes ) valued between $150,000 to $174,999 in Deltona, FL is about $1,252. Rates in nearby areas in such as DeBary, DeBary-Orange City, Central Volusia are cheaper by $150, $20, $470 respectively while Orange City and Lake Helen are costlier by $911 and $237 respectively for similar homes.

Deltona, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,177 4.0% $185
$50,000 to $59,999 848 3.0% $406
$60,000 to $69,999 1,017 3.0% $498
$70,000 to $79,999 1,304 5.0% $580
$80,000 to $89,999 1,249 4.0% $649
$90,000 to $99,999 1,277 4.0% $730
$100,000 to $124,999 3,295 12.0% $846
$125,000 to $149,999 3,177 12.0% $1055
$150,000 to $174,999 4,200 16.0% $1252
$175,000 to $199,999 2,514 9.0% $1450
$200,000 to $249,999 3,071 11.0% $1740
$250,000 to $299,999 1,927 7.0% $2134
$300,000 to $399,999 933 3.0% $2702

Renters Insurance in Deltona

  • Average Renters Insurance in Deltona :  $160($13/month)

  • Median Gross Rent in Deltona :  $1,098

  • Deltona Renters Insurance to Median Rent Ratio:  1.18%

  • Average household size of renter-occupied unit :  3.3

Deltona Renters Insurance as a Percentage of Rent

Deltona Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 133 2.0% $1240
$500 to $749 497 9.0% $1915
$750 to $999 1,182 22.0% $2665
$1,000 to $1,499 2,738 52.0% $3790
$1,500 or more 646 12.0% $5440

Rent Affordability in Deltona:

Approximately 52.0% (2,942) of households are spending more than 35% of their income on gross rent in Deltona

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 261 4.0%
15.0 to 19.9 percent 698 12.0%
20.0 to 24.9 percent 649 11.0%
25.0 to 29.9 percent 647 11.0%
30.0 to 34.9 percent 382 6.0%
35.0 percent or more 2,942 52.0%

Protective device discount in Deltona Up to :  $24

Claims-free discount in Deltona Up to :  $32

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