High Springs Insurance Rates:

High Springs, FL home insurance is about $986 to $1,351, about $82-$112/month. Our comprehensive research shows customers can save as much as $467 by comparing different quotes

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High Springs Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $2500/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $305,000

5 Beds, 5 Baths 3570 sqft Primary Residence Constructed In 2012 with Stone Flooring, Membrane Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

56 Years old Single 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 :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $810/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $220,000

4 Beds, 4 Baths 2090 sqft Rental Property Constructed In 2010 with Wood Flooring, Shingles Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

74 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $340/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

3 Beds, 3 Baths 2260 sqft Rental Property Constructed In 2001 with Hardwood Flooring, Shingles Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Swimming Pool, Copper Water Pipes, Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $850/3 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Bath 1640 sqft Primary Residence Constructed In 2009 with Carpet Flooring, Metal Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

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

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $2080/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $220,000

4 Beds, 4 Baths 2450 sqft Primary Residence Constructed In 1946 with Linoleum, Wood Shake Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $3310/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Baths 1950 sqft Rental Property Constructed In 1944 with Carpet Flooring, Membrane Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $3350/9 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $285,000

4 Beds, 4 Baths 3210 sqft Rental Property Constructed In 2011 with Ceramic Tile Flooring, Wood Shake Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Swimming Pool, Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Divorced Female who is Retired with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1250/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $205,000

3 Beds, 3 Bath 2090 sqft Rental Property Constructed In 2014 with Linoleum, Composition Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Fireplace, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $5850/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $360,000

5 Beds, 5 Baths 4400 sqft Rental Property Constructed In 2013 with Carpet Flooring, Tile Roof, Crawl Space Foundation, Stucco siding, Brick Frame. Home Features Include Fire Extinguisher, Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1300/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $235,000

5 Beds, 5 Baths 2200 sqft Seasonal Residence Constructed In 2003 with Carpet Flooring, Composition Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Smoke Alarm, Indoor Sprinklers, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Divorced Female who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

High Springs, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
32643 $157,800 $1,180

High Springs Rates & Quotes Analysis:

High Springs Area Estimated House Insurance
NW 197 St, C R 337, NW 126th Ln, SE Spruce St, NW 174 Ter, NW 148th Pl, NW 94th Ave, NW 166th Ter, NE 3 St, NW 232 Ln$1,171
NW 242nd Ave, NW 161 St, Co Rd 1493, NW 157th St, NW 177 Ave, NE 10th Blvd, NW 79th Dr, NW 168th Ave, NW 197th St, NE Deese Dr S$1,171
SE Railroad Ave, NW 172nd Ave, NW 174 Ave, NW 204th St, NW 207th St, NW 196th Ave, NW 212th Ave, NW 140th St, NW 159 Ln, NW 205th St$1,178
NW 180th Ave, NW 138th Ave, NW 208 Way, NW 155th Pl, NW 156 Pl, NW 214th Ter, San Sebastian Ct, NW 246th St, NW 164th Ave, NW 16th St$1,183
NW 238th Ave, NW 242nd St, NW 236 St, NW 145 Ter, NW 58th Ter, SE Bay St, NW 158th Ln, NW 170th St, NW 240 Pl, SE 4th Pl$1,183

Insurance rates are influenced by a number of factors including:

  • Year Built: 268 Homes (12% of total) built between 1939 or earlier in High Springs are paying home insurance between $2,499-$2,517 and varies from High Springs-Alachua (+$39), Alachua (+$44), Alachua County (+$22), Fort White (-$56) and La Crosse (-$84).
  • Bedrooms: 247 4 bedrooms homes (11% of total homes ) in High Springs are paying about $1,367 and differs from High Springs-Alachua (+$19), Alachua (+$22), Alachua County (+$10), Fort White (-$33) and Newberry (-$11).
  • Auto Insurance Bundling: 709 Households (46% of all households) in High Springs have 2 vehicles available and when it is bundled with home insurance you can save $233. Discounts for similar bundling in close by locations such as High Springs-Alachua, Alachua, Spring Ridge come to $237, $237, $227 respectively.
  • Senior Discounts: 724 seniors (more than 55 years) occupied housing units (47% of total) in High Springs get discounts between $173 to $176. The comparative concessions in proximate regions such as High Springs-Alachua, Alachua and Spring Ridge are $177, $178 and $170 respectively.
  • New Homes discounts: New homes such as the 1,195 homes built between 2000 to 2009 in High Springs can save $233 and similar new home insurance discounts in nearby towns and cities like High Springs-Alachua, Alachua and Spring Ridge are $237, $237 and $227 respectively.

High Springs Homeowners insurance Facts

  • High Springs, FL has 1,537 owner occupied houses which is 86.4% of all units whereas High Springs-Alachua, Alachua and Spring Ridge have 77.1%, 77.32% and 100.0% respectively.
  • High Springs, FL homeowners yearly insurance price at $1,169 is 0.72% of the typical house value of $163,000 which is in contrast with 0.62% in High Springs-Alachua, 0.61% at Alachua & 1.01% in Spring Ridge.
  • Homeowners in High Springs, FL pay 1.73% of their income ($60,000 to $74,999) in insurance whereas homeowners in High Springs-Alachua, Alachua and Spring Ridge pay 1.76%, 1.76% and 1.69% respectively.
  • High Springs, FL’s insurance is 7.6% of monthly housing costs of $1,283/month, for owners with a mortgage compared to 6.37% in High Springs-Alachua, 6.14% at Alachua & 14.08% in Spring Ridge. But, for households without a mortgage, insurance is 26.1% of costs ($373 in High Springs, FL) in contrast with 25.19% in High Springs-Alachua, 25.71% at Alachua & 21.33% in Spring Ridge.

High Springs, FL Home Values & Insurance rates

For example, insurance for 66 Homes (4.0% of total homes ) valued between $175,000 to $199,999 in High Springs, FL is about $1,344. Rates in nearby areas in such as High Springs-Alachua, Alachua, Newberry are cheaper by $183, $204, $12 respectively while Spring Ridge and Fort White are costlier by $535 and $493 respectively for similar homes.

High Springs, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 95 6.0% $175
$60,000 to $69,999 18 1.0% $455
$70,000 to $79,999 113 7.0% $537
$80,000 to $89,999 65 4.0% $607
$90,000 to $99,999 56 3.0% $678
$100,000 to $124,999 207 14.0% $783
$125,000 to $149,999 80 5.0% $981
$150,000 to $174,999 236 15.0% $1157
$175,000 to $199,999 66 4.0% $1344
$200,000 to $249,999 219 14.0% $1613
$250,000 to $299,999 186 12.0% $1975
$300,000 to $399,999 124 8.0% $2501

Renters Insurance in High Springs

  • Average Renters Insurance in High Springs :  $151($12/month)

  • Median Gross Rent in High Springs :  $877

  • High Springs Renters Insurance to Median Rent Ratio:  1.37%

  • Average household size of renter-occupied unit :  3.04

High Springs Renters Insurance as a Percentage of Rent

High Springs Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 18 7.0% $337
$500 to $749 54 22.0% $1912
$750 to $999 81 33.0% $2662
$1,000 to $1,499 90 37.0% $3787

Protective device discount in High Springs Up to :  $22

Claims-free discount in High Springs Up to :  $30