Gainesville Insurance Rates:

Gainesville, FL home insurance is approximately $998 to $1,353, about $83-$112/month. Our detailed analysis indicates shoppers can save as much as $470 by getting multiple quotes

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Gainesville Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $410/2 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

2 Beds, 2 Bath 1370 sqft Rental Property Constructed In 2012 with Carpet Flooring, Wood Shake Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Single Male who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Smoker

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

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2630/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Baths 1570 sqft Vacation Property Constructed In 1976 with Carpet Flooring, Tile Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fireplace, Central Air Conditioning, Deadbolt Locks, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

65 Years old Single Female who is Retired with household income of less than $25,000 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 $2300/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

5 Beds, 5 Baths 2340 sqft Vacation Property Constructed In 2000 with Wood Flooring, Composition Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $2040/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $150,000

2 Beds, 2 Bath 1710 sqft Primary Residence Constructed In 1992 with Stone Flooring, Membrane Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Smoke Alarm, Deadbolt Locks, Indoor Sprinklers, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1210/4 months for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $145,000

3 Beds, 3 Baths 1843 sqft Rental Property Constructed In 1967 with Hardwood Flooring, Membrane Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Gainesville, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
32603 $279,800 $1,260
32606 $209,100 $1,210
32608 $202,300 $1,200
32607 $201,100 $1,190
32605 $197,600 $1,210
32653 $189,600 $1,200
32601 $147,600 $1,170
32641 $114,500 $1,150
32609 $108,800 $1,140

Gainesville Rates & Quotes Analysis:

Gainesville Area Estimated House Insurance
Co Rd 9, SW 49th Pl, SW 84th St, S W 83rd Way, NE 20th Ter, SW 19th Ave, NW 91st Dr, NE 45 Ter, SW 51 Ter, SE 135 Ter$1,152
SW 11 St, SW 100th St, SW 25th Pl, SW 17th Ct, 61st Ave, NW 117th Way, NW 26 Way, SW 22 Rd, SW 63 Ct, NW 55 Ter$1,240
NE 19th Dr, SW 47 St, SW 40th St, SW 79 Dr, SW 64th Ter, SW 21th Pl, SW 15 Pl, NE 9th Ter, NW 39 St, SW 113 Way$1,140
SE 122 Ln, NW 29 Ln, SE 17 Dr, NE 21st St, SW 99 St, NW 45 Ave, SW 51 Ln, SW 20 Ter, NW 9 Blvd, SE 9 Ave$1,137
36th St, NW 140 Ter, SE 4th Pl, 117th Ter, SW 33rd Pl, SE 8th Ave, NW 111 Dr, SW 25 Ter, SW 1st Pl, SE 19 Ave$1,193
SW 44 Ave, SW 23rd Ave, Co Rd 40C, SW 49 Pl, SW 83 Way, NE Bay Ave, SW 69th Ave, SW 68 Ter, NW 4th Blvd, SW 56 Ave$1,222
Old Archer Rd, SW 11 Ln, SW 28th Ave, 15th Ter, NW 22nd Ave, NW 7 Ter, NE 24 Ave, NE 19th St, SW 84 St, NW 68th Ter$1,137
SW 54 Ave, NW 41st Ter, NW 19th Ave, Co Rd 346, NW 16th Ln, SE 22 Pl, SW 19 St, NE 35th Ave, N W 10th Ln, NW 53 Pl$1,200
NW 23 Blvd, NW 82nd St, NE 4 St, SE 1 St, NW 59th Pl, SE 73rd Dr, SE 101st Ave, S W 52nd Rd, NE 71st St, SE 61st Ave$1,136
SW 42nd Dr, SW 98th Dr, SW 9th Ln, Pine St, SW 109th Pl, S W 46th Ln, SW 43 Ter, Fraternity Dr, 93rd Way, SW 91 Ct$1,229

Insurance rates are influenced by a number of factors including:

  • Year Built: 16,155 Homes (20% of total) built between 1980 to 1989 in Gainesville are paying home insurance between $1,754-$1,772 and differs from Alachua (+$19), Newberry-Archer (+$14), Penney Farms (+$12), Micanopy (-$37) and Archer (-$50).
  • Bedrooms: 25,540 3 bedrooms homes (33% of total homes ) in Gainesville are paying about $871 compared to Alachua (+$9), Newberry-Archer (+$6), Penney Farms (+$5), Micanopy (-$19) and Archer (-$25).
  • Auto Insurance Bundling: 12,148 Households (41% of all households) in Gainesville have 2 vehicles available and when it is bundled with home insurance you can save $235. Discounts for similar bundling in close by locations such as Alachua County, Micanopy, Alachua come to $235, $230, $237 respectively.
  • Senior Discounts: 13,915 seniors (more than 55 years) occupied housing units (47% of total) in Gainesville get discounts between $175 to $178. The comparative concessions in proximate regions such as Alachua County, Micanopy and Alachua are $176, $172 and $178 respectively.
  • New Homes discounts: New homes such as the 33,342 homes built between 2000 to 2009 in Gainesville can save $235 in contrast with Alachua County ($235), Micanopy ($230), Alachua ($237).

Gainesville Homeowners insurance Facts

  • Gainesville, FL has 29,165 owner occupied houses which is 44.2% of all units whereas Alachua County, Micanopy and Alachua have 55.32%, 79.69% and 77.32% respectively.
  • Gainesville, FL homeowners yearly insurance price at $1,176 is 0.67% of the typical house value of $174,500 which is in contrast with 0.67% in Alachua County, 0.86% at Micanopy & 0.61% in Alachua.
  • Homeowners in Gainesville, FL pay 1.74% of their income ($60,000 to $74,999) in insurance whereas homeowners in Alachua County, Micanopy and Alachua pay 1.74%, 1.71% and 1.76% respectively.
  • Gainesville, FL’s insurance is 6.8% of monthly housing costs of $1,438/month, for owners with a mortgage compared to 6.69% in Alachua County, 7.96% at Micanopy & 6.14% in Alachua. But, for households without a mortgage, insurance is 19.6% of costs ($499 in Gainesville, FL) in contrast with 22.04% in Alachua County, 22.46% at Micanopy & 25.71% in Alachua.

Gainesville, FL Home Values & Insurance rates

For example, insurance for 1,739 Homes (6.0% of total homes ) valued between Less than $50,000 in Gainesville, FL is about $164. Rates in nearby areas in such as Alachua, Newberry-Archer, High Springs-Alachua are cheaper by $22, $10, $10 respectively while Micanopy and Archer are costlier by $43 and $64 respectively for similar homes.

Gainesville, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,739 6.0% $164
$50,000 to $59,999 416 1.0% $352
$60,000 to $69,999 615 2.0% $435
$70,000 to $79,999 534 2.0% $493
$80,000 to $89,999 1,224 4.0% $564
$90,000 to $99,999 1,077 4.0% $635
$100,000 to $124,999 2,961 11.0% $740
$125,000 to $149,999 2,835 10.0% $917
$150,000 to $174,999 3,257 12.0% $1093
$175,000 to $199,999 2,615 9.0% $1258
$200,000 to $249,999 4,041 15.0% $1517
$250,000 to $299,999 2,329 8.0% $1846
$300,000 to $399,999 2,890 10.0% $2352

Renters Insurance in Gainesville

  • Average Renters Insurance in Gainesville :  $143($11/month)

  • Median Gross Rent in Gainesville :  $883

  • Gainesville Renters Insurance to Median Rent Ratio:  1.25%

  • Average household size of renter-occupied unit :  2.33

Gainesville Renters Insurance as a Percentage of Rent

Gainesville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 614 1.0% $785
$300 to $499 1,854 5.0% $1235
$500 to $749 8,979 25.0% $1910
$750 to $999 10,613 29.0% $2660
$1,000 to $1,499 9,355 26.0% $3785
$1,500 or more 4,080 11.0% $5435

Rent Affordability in Gainesville:

Approximately 60.0% (22,232) of households are spending more than 35% of their income on gross rent in Gainesville

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,749 7.0%
15.0 to 19.9 percent 2,565 6.0%
20.0 to 24.9 percent 3,354 9.0%
25.0 to 29.9 percent 2,862 7.0%
30.0 to 34.9 percent 3,040 8.0%
35.0 percent or more 22,232 60.0%

Protective device discount in Gainesville Up to :  $21

Claims-free discount in Gainesville Up to :  $28