Gibsonton Insurance Rates:

Gibsonton, FL home insurance is approximately $976 to $1,337, about $81-$111/month. Our extensive guide indicates shoppers can save upto $462 by getting different quotes

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Gibsonton Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $2530/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $405,000

5 Beds, 5 Baths 4230 sqft Rental Property Constructed In 1990 with Wood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Single Female who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $1520/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $295,000

4 Beds, 4 Bath 3060 sqft Rental Property Constructed In 2002 with Hardwood Flooring, Composition Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Fireplace, Swimming Pool, Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

41 Years old Married Female who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

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

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $3330/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $290,000

4 Beds, 4 Baths 3000 sqft Vacation Property Constructed In 2006 with Ceramic Tile Flooring, Composition Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Smoke Alarm, Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Single Female who has a Full Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $210/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

4 Beds, 4 Bath 2220 sqft Primary Residence Constructed In 1992 with Linoleum, Metal Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Deadbolt Locks, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Divorced Female who has a Full Time Job with household income of $100-$150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $3380/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $220,000

4 Beds, 4 Bath 2430 sqft Primary Residence Constructed In 2006 with Stone Flooring, Membrane Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Swimming Pool, Fireplace, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1120/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $200,000

5 Beds, 5 Baths 2300 sqft Vacation Property Constructed In 2008 with Hardwood Flooring, Slate Shingles Roof, Slab Foundation, Stucco siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Married Female who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $250/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

5 Beds, 5 Baths 1800 sqft Rental Property Constructed In 2012 with Stone Flooring, Slate Shingles Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, Central Air Conditioning, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $330/2 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $185,000

3 Beds, 3 Bath 1800 sqft Vacation Property Constructed In 1990 with Hardwood Flooring, Membrane Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

52 Years old Divorced Female who has a Full Time Job 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

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $2390/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $175,000

3 Beds, 3 Baths 1740 sqft Seasonal Residence Constructed In 2014 with Carpet over wood flooring, Slate Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

30 Years old Married Female who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $300/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

5 Beds, 5 Bath 1600 sqft Seasonal Residence Constructed In 1992 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Married Male who has a Full Time Job with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

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

  • 800-850 Credit Score

Home Insurance Rate of $1800/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $220,000

5 Beds, 5 Baths 2110 sqft Primary Residence Constructed In 1992 with Hardwood Flooring, Wood Shake Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Fireplace, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Gibsonton, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
33534 $141,400 $1,160

Gibsonton Rates & Quotes Analysis:

Gibsonton Area Estimated House Insurance
Wiggins Rd, Croton Ave, Vogel Farms Rd, Austin St, S 87th St, Cobb Rd, Kings Lake Dr, Roosevelt St, Midway St, Birch Ave$1,147
Tangle Weed Way, Polove Ln, Restwood Dr, Cypress Harbor Dr, Fox Bloom Ave, Lazella St, Ironwood Ave, Millpoint Rd E, Pendola Point Rd, Citrus Leaf Dr$1,169
Alafia Cir, Mabrey Ave, Grapefruit Ave, Sonoma Bend Pl, Kings Crossing Dr, Midnight Sun Ct, Kanawha Rd, Shady Falls Ct, Cliff Ave, 85th Dr$1,141
Church St, Mathog Rd, Ida St, Port Sutton Rd, Madison Ave, Sterling Point Ct, Dahlia Ave, Michigan Ave, Rivercrest Dr, Connecticut St$1,132
Southwind Lake Dr, Deer Chase Dr, S 47th St, Summer Wood Ln, Williams St, Old US Hwy 41A, Bullfrog Ct, Linda St, Waterbourne Dr, Alice Ave$1,170

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,107 Homes (18% of total homes ) built between 1980 to 1989 in Gibsonton are paying home insurance between $1,726-$1,743. Places close to Gibsonton, FL such as Riverview, Apollo Beach, Hillsborough County are more expensive by $15, $61, $24 respectively while Palm River-Gibsonton and Progress Village are cheaper by $16 and $10 respectively for similar homes.
  • Bedrooms: 1,137 4 bedrooms homes (19% of total homes ) in Gibsonton are paying about $1,353 and differs from Apollo Beach (+$48), Hillsborough County (+$19), Balm (+$7), Palm River-Gibsonton (-$24) and Progress Village (-$8).
  • Auto Insurance Bundling: 543 Households (16% of all households) in Gibsonton have 3 or more vehicles available and when it is bundled with home insurance you can save $289. Discounts for similar bundling in close by locations such as Palm River-Gibsonton, Progress Village, Riverview come to $286, $287, $291 respectively.
  • Senior Discounts: 1,097 seniors (more than 55 years) occupied housing units (33% of total) in Gibsonton get discounts between $172 to $174 and differs from Palm River-Gibsonton ($171), Progress Village ($172), Riverview ($175).
  • New Homes discounts: New homes such as the 3,515 homes built between 2000 to 2009 in Gibsonton can save $231 and similar new home insurance discounts in nearby towns and cities like Palm River-Gibsonton, Progress Village and Riverview are $229, $230 and $233 respectively.

Gibsonton Homeowners insurance Facts

  • Gibsonton, FL has 3,270 owner occupied houses which is 64.5% of all units whereas Palm River-Gibsonton, Progress Village and Riverview have 64.28%, 72.23% and 76.64% respectively.
  • Gibsonton, FL homeowners yearly insurance price at $1,157 is 0.81% of the typical house value of $142,300 which is in contrast with 0.91% in Palm River-Gibsonton, 0.88% at Progress Village & 0.72% in Riverview.
  • Homeowners in Gibsonton, FL pay 4.21% of their income ($25,000 to $29,999) in insurance whereas homeowners in Palm River-Gibsonton, Progress Village and Riverview pay 4.17%, 4.18% and 4.24% respectively.
  • Gibsonton, FL’s insurance is 6.1% of monthly housing costs of $1,572/month, for owners with a mortgage compared to 6.85% in Palm River-Gibsonton, 6.41% at Progress Village & 5.97% in Riverview. But, for households without a mortgage, insurance is 25.9% of costs ($372 in Gibsonton, FL) in contrast with 26.38% in Palm River-Gibsonton, 24.32% at Progress Village & 18.88% in Riverview.

Gibsonton, FL Home Values & Insurance rates

For example, insurance for 186 Homes (5.0% of total homes ) valued between $70,000 to $79,999 in Gibsonton, FL is about $601. Rates in nearby areas in such as Riverview, Apollo Beach, Hillsborough County are cheaper by $65, $182, $85 respectively while Palm River-Gibsonton and Progress Village are costlier by $75 and $54 respectively for similar homes.

Gibsonton, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 503 15.0% $196
$50,000 to $59,999 60 1.0% $416
$60,000 to $69,999 111 3.0% $520
$70,000 to $79,999 186 5.0% $601
$80,000 to $89,999 185 5.0% $682
$90,000 to $99,999 51 1.0% $763
$100,000 to $124,999 326 10.0% $890
$125,000 to $149,999 307 9.0% $1110
$150,000 to $174,999 545 17.0% $1318
$175,000 to $199,999 233 7.0% $1515
$200,000 to $249,999 384 12.0% $1828
$250,000 to $299,999 157 4.0% $2233
$300,000 to $399,999 135 4.0% $2834

Renters Insurance in Gibsonton

  • Average Renters Insurance in Gibsonton :  $164($13/month)

  • Median Gross Rent in Gibsonton :  $821

  • Gibsonton Renters Insurance to Median Rent Ratio:  1.58%

  • Average household size of renter-occupied unit :  3.28

Gibsonton Renters Insurance as a Percentage of Rent

Gibsonton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 45 2.0% $341
$300 to $499 98 5.0% $1241
$500 to $749 580 32.0% $1916
$750 to $999 473 26.0% $2666
$1,000 to $1,499 381 21.0% $3791
$1,500 or more 179 10.0% $5441

Rent Affordability in Gibsonton:

Approximately 57.0% (1,037) of households are spending more than 35% of their income on gross rent in Gibsonton

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 60 3.0%
15.0 to 19.9 percent 202 11.0%
20.0 to 24.9 percent 212 11.0%
25.0 to 29.9 percent 164 9.0%
30.0 to 34.9 percent 126 6.0%
35.0 percent or more 1,037 57.0%

Gibsonton Renters Insurance Discounts:

Gibsonton Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Gibsonton, FL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 873 48.0% $16.4
2 vehicles available 691 38.0% $24.6
3 or more vehicles available 72 3.0% $32.8

Gibsonton Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 80 4.0% $82
60 to 64 years 85 4.0% $65
65 to 74 years 63 3.0% $53
75 years and over 49 2.0% $41

Protective device discount in Gibsonton Up to :  $24

Claims-free discount in Gibsonton Up to :  $32

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