Kissimmee Insurance Rates:

Kissimmee, FL home insurance is about $975 to $1,327, about $81-$110/month. Our complete research shows customers can save upto $460 by getting different quotes

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Kissimmee, Florida Homeowners share details on the cheapest & most trustworthy home insurance companies for you to compare & get great deals.

Kissimmee Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $2090/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $120,000

2 Beds, 2 Bath 1580 sqft Seasonal Residence Constructed In 1998 with Ceramic Tile Flooring, Asphalt Shingles Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

29 Years old Single Female who has a Full Time Job with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $1630/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $120,000

2 Beds, 2 Bath 1780 sqft Seasonal Residence Constructed In 2005 with Wood Flooring, Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Married Female who is Unemployed and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $1530/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $280,000

5 Beds, 5 Bath 3710 sqft Rental Property Constructed In 1998 with Linoleum, Asphalt Shingles Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Divorced Female who has a Full Time Job with household income of $50-$75,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $1150/2 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $355,000

5 Beds, 5 Baths 4520 sqft Rental Property Constructed In 2005 with Wood Flooring, Wood Shake Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

74 Years old Single Male who is a Freelancer with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1020/4 months for $100,000-$125,000 Coverage
Policy Holder Home Details :

Home Value : $90,000

2 Beds, 2 Bath 1007 sqft Rental Property Constructed In 1999 with Stone Flooring, Composition Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Kissimmee, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
34747 $309,300 $1,280
34744 $157,500 $1,170
34746 $148,800 $1,170
34758 $122,500 $1,150
34741 $112,700 $1,140

Kissimmee Rates & Quotes Analysis:

Kissimmee Area Estimated House Insurance
Vineland Rd, Harborside Ct, Winding Trl, Foster Dr, Wild Elm St, S Fruitloop Cir, Harris Park Way, Leafwood Ln, Newcombe Ln, Sunset Retreat$1,182
Ficus Tree Rd, Cranbrook Dr, Kansas Ave, Bond St W, Royalty Ct, Saint Tropez Ct, Milan Dr, Siena Park Blvd W, Billys Ter, San Rafael Way$1,140
Greene Sq, Harford St, Boca Palms Cir, Florida Plaza Blvd, Wyatt Pl, Prime Cir, Plum Blossom Ct, Christopher Ct, San Sebastian Dr, Alaqua Trl$1,114
S Rose Ave, Bartlet Dr, Dawes Ave, Almaton Loop, Owassa Ct, Doncaster Ct, W Verona St, Loxahatchee Ct, Pine Top Ln, Dyer Blvd$1,171
Alicia Ridge Ct, N Easy St, Kauai Trl, Brack St, Oberry Rd, W Keen St, Wesley Ct, Rosaro Ct, Titian Ct, Arrow Dr$1,156
Celebration Blvd, Bryce Canyon Dr, Fairhaven Ave, Avon Blvd, Bruce St, N Dillingham Ave, Tallahassee Blvd, White Moss Ln, Iris Ct, Embrun Ct$1,146
Sue Dr, E Magnolia St, Accord Ter, W Monument Ave, Dara Cay Dr, Mars Ln, Emperors Orchid Ct, Orange Ln, Evergreen Forest Loop, Blake Blvd$1,140
N Old Dixie Hwy, Jolene Ct, Escondido Ct, Greenbrook Ave, Banks Rose St, Primrose Dr, Toledo Ct, Eton Ct, Mango St, Banbury Pl$1,194
Forester Ct, Yellowgold Rd E, Ellsworth Ct, Polynesian Isle Blvd, Jacaranda Ln, San Jose Ct, Wells Ave, E Carroll St, Spigold Ct, Washington Ave$1,140
Bonfire Beach Dr, Santa Maria Dr, Serenity Bnd, Sunset Lakes Blvd, Dieppe Pl, Vintage St, Vaquero Ln, N Corsair Ave, Oahu Way, Perpignan Ct$1,110

Insurance rates are influenced by a number of factors including:

  • Year Built: 11,921 Homes (15% of total) built between 1980 to 1989 in Kissimmee are paying home insurance between $1,719-$1,736 in contrast with Celebration (+$232), Hunters Creek (+$115), St. Cloud (+$17), Campbell (-$58) and Loughman (-$37).
  • Bedrooms: 19,438 2 bedrooms homes (26% of total homes ) in Kissimmee are paying about $669. Areas near to Kissimmee such as Celebration, Hunters Creek, St. Cloud are costlier by $90, $44, $6 respectively whereas Campbell and Loughman are more economical by $23, $15 respectively for similar homes.
  • Auto Insurance Bundling: 5,330 Households (19% of all households) in Kissimmee have 3 or more vehicles available and when it is bundled with home insurance you can save $288. Discounts for similar bundling in close by locations such as Campbell, Loughman, Celebration come to $278, $281, $326 respectively.
  • Senior Discounts: 11,920 seniors (more than 55 years) occupied housing units (44% of total) in Kissimmee get discounts between $172 to $175. The comparative concessions in proximate regions such as Campbell, Loughman and Celebration are $166, $169 and $196 respectively.
  • New Homes discounts: New homes such as the 52,969 homes built between 2000 to 2009 in Kissimmee can save $230 and similar new home insurance discounts in nearby towns and cities like Campbell, Loughman and Celebration are $222, $225 and $261 respectively.

Kissimmee Homeowners insurance Facts

  • Kissimmee, FL has 26,759 owner occupied houses which is 57.4% of all units whereas Campbell, Loughman and Celebration have 55.94%, 47.67% and 66.58% respectively.
  • Kissimmee, FL homeowners yearly insurance price at $1,152 is 0.86% of the typical house value of $134,300 which is in contrast with 1.59% in Campbell, 1.21% at Loughman & 0.33% in Celebration.
  • Homeowners in Kissimmee, FL pay 9.22% of their income ($10,000 to $14,999) in insurance whereas homeowners in Campbell, Loughman and Poinciana pay 8.9%, 9.02% and 9.22% respectively.
  • Kissimmee, FL’s insurance is 6.4% of monthly housing costs of $1,495/month, for owners with a mortgage compared to 5.16% in Campbell, 9.07% at Loughman & 4.5% in Celebration. But, for households without a mortgage, insurance is 20.5% of costs ($469 in Kissimmee, FL) in contrast with 26.58% in Campbell, 21.59% at Loughman & 11.13% in Celebration.

Kissimmee, FL Home Values & Insurance rates

For example, insurance for 3,319 Homes (13.0% of total homes ) valued between Less than $50,000 in Kissimmee, FL is about $207. Rates in nearby areas in such as St. Cloud, Williamsburg, Four Corners are cheaper by $21, $43, $22 respectively while Campbell and Loughman are costlier by $182 and $86 respectively for similar homes.

Kissimmee, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 3,319 13.0% $207
$50,000 to $59,999 1,133 4.0% $449
$60,000 to $69,999 1,013 4.0% $552
$70,000 to $79,999 1,692 6.0% $633
$80,000 to $89,999 1,467 5.0% $725
$90,000 to $99,999 954 3.0% $806
$100,000 to $124,999 2,908 11.0% $933
$125,000 to $149,999 2,405 9.0% $1175
$150,000 to $174,999 2,868 11.0% $1382
$175,000 to $199,999 1,752 7.0% $1601
$200,000 to $249,999 2,441 9.0% $1923
$250,000 to $299,999 1,697 6.0% $2361
$300,000 to $399,999 1,242 4.0% $2995

Renters Insurance in Kissimmee

  • Average Renters Insurance in Kissimmee :  $169($14/month)

  • Median Gross Rent in Kissimmee :  $1,014

  • Kissimmee Renters Insurance to Median Rent Ratio:  1.38%

  • Average household size of renter-occupied unit :  2.92

Kissimmee Renters Insurance as a Percentage of Rent

Kissimmee Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 216 1.0% $1242
$500 to $749 2,330 12.0% $1917
$750 to $999 6,658 34.0% $2667
$1,000 to $1,499 7,453 38.0% $3792
$1,500 or more 2,473 12.0% $5442

Protective device discount in Kissimmee Up to :  $25

Claims-free discount in Kissimmee Up to :  $33