Mims Insurance Rates:

Mims, FL home insurance is nearly $962 to $1,319, about $80-$109/month. Our extensive analysis indicates shoppers can save as much as $456 by comparing different quotes

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Mims Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $890/5 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $165,000

4 Beds, 4 Bath 2260 sqft Seasonal Residence Constructed In 2009 with Ceramic Tile Flooring, Metal Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Smoke Alarm, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $3110/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $190,000

4 Beds, 4 Baths 2830 sqft Rental Property Constructed In 1975 with Carpet Flooring, Membrane Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Married Male who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $380/2 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $145,000

2 Beds, 2 Bath 1790 sqft Vacation Property Constructed In 1993 with Carpet Flooring, Slate Shingles Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Swimming Pool, Indoor Sprinklers, Deadbolt Locks, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Single Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2250/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

5 Beds, 5 Bath 3090 sqft Vacation Property Constructed In 2013 with Carpet Flooring, Membrane Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Indoor Sprinklers, Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Married Male who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $870/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Baths 2170 sqft Primary Residence Constructed In 1980 with Carpet over wood flooring, Wood Shake Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Central Air Conditioning, Swimming Pool, Smoke Alarm, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Divorced 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 :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $5330/12 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $345,000

5 Beds, 5 Baths 4210 sqft Vacation Property Constructed In 1989 with Linoleum, Tile Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Copper Water Pipes, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

62 Years old Married Female 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 :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $770/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $285,000

4 Beds, 4 Bath 3180 sqft Vacation Property Constructed In 2012 with Stone Flooring, Composition Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Divorced Female who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $1420/10 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $105,000

2 Beds, 2 Bath 1200 sqft Rental Property Constructed In 1995 with Wood Flooring, Asphalt Shingles Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Smoke Alarm, Deadbolt Locks, Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

29 Years old Single Male who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $3570/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $300,000

5 Beds, 5 Baths 3410 sqft Vacation Property Constructed In 2007 with Stone Flooring, Slate Shingles Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Indoor Sprinklers, 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 No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $930/9 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $80,000

3 Beds, 3 Baths 1200 sqft Rental Property Constructed In 1982 with Stone Flooring, Composition Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Swimming Pool, Fire Extinguisher, Central Air Conditioning, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Mims, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
32754 $138,600 $1,170

Mims Rates & Quotes Analysis:

Mims Area Estimated House Insurance
Aurantia Rd, Seminole, Diamond Rd, Correll Cir, Emmanuel Ln, Latimar St, Beth St, Oklahoma St, Saratoga Dr, Pinewood Pl$1,123
Grantline Rd, Bates Pl, N Singleton Ave, Lord St, Spring St, Populatic St, Stanley St, Holder Park Dr, Ginger St, Orlando Ave$1,146
McCotter Rd, Marigold Ave, Bryn Mawr Dr, Billies Pl, Coolidge Ave, Meander Ln, Seminole St, 1st St, Lester Ave, Welch Ct$1,135
Briarcliff Way, Possum Ln, Summer St, Nab St, Kittles St, Hammock Trl, Ellis Ln, Platinum Dr, Andre Rd, Jaydee Dr$1,127
Kennedy St, Groah Ave, Lafayette Ave, Barney Ct, Benson Ct, Carter Rd, Fenton Pl, Westwood Dr, Beacon Rd, Jefferson St$1,143

Insurance rates are influenced by a number of factors including:

  • Year Built: 569 Homes (16% of total homes ) built between 1980 to 1989 in Mims are paying home insurance between $1,702-$1,719. Places close to Mims, FL such as Titusville, Oak Hill, New Smyrna Beach are more expensive by $14, $44, $45 respectively while Christmas and Cocoa West are cheaper by $19 and $30 respectively for similar homes.
  • Bedrooms: 538 4 bedrooms homes (15% of total homes ) in Mims are paying about $1,333 and varies from Oak Hill (+$35), Port St. John (+$6), New Smyrna Beach (+$37), Christmas (-$14) and Cocoa (-$16).
  • Auto Insurance Bundling: 998 Households (41% of all households) in Mims have 2 vehicles available and when it is bundled with home insurance you can save $228. Discounts for similar bundling in close by locations such as Titusville, Christmas, Oak Hill come to $230, $225, $234 respectively.
  • Senior Discounts: 1,395 seniors (more than 55 years) occupied housing units (58% of total) in Mims get discounts between $169 to $172 in contrast with Titusville ($172), Christmas ($169), Oak Hill ($175).
  • New Homes discounts: New homes such as the 1,429 homes built between 2000 to 2009 in Mims can save $228 and similar new home insurance discounts in nearby towns and cities like Titusville, Christmas and Oak Hill are $230, $225 and $234 respectively.

Mims Homeowners insurance Facts

  • Mims, FL has 2,400 owner occupied houses which is 81.6% of all units whereas Titusville, Christmas and Space Center have 74.1%, 86.97% and 0% respectively.
  • Mims, FL homeowners yearly insurance price at $1,140 is 0.99% of the typical house value of $115,100 which is in contrast with 0.87% in Titusville, 1.18% at Christmas & 0.71% in Oak Hill.
  • Homeowners in Mims, FL pay 22.8% of their income (Less than $10,000) in insurance whereas homeowners in Titusville, Christmas and Oak Hill pay 23.0%, 22.56% and 23.4% respectively.
  • Mims, FL’s insurance is 6.9% of monthly housing costs of $1,371/month, for owners with a mortgage compared to 7.52% in Titusville, 7.57% at Christmas & 8.75% in Oak Hill. But, for households without a mortgage, insurance is 26.5% of costs ($359 in Mims, FL) in contrast with 25.56% in Titusville, 31.86% at Christmas & 21.43% in Oak Hill.

Mims, FL Home Values & Insurance rates

For example, insurance for 67 Homes (2.0% of total homes ) valued between $70,000 to $79,999 in Mims, FL is about $741. Rates in nearby areas in such as Titusville, Port St. John, New Smyrna Beach are cheaper by $86, $54, $215 respectively while Christmas and Sharpes are costlier by $138 and $138 respectively for similar homes.

Mims, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 561 24.0% $239
$50,000 to $59,999 76 3.0% $513
$60,000 to $69,999 76 3.0% $638
$70,000 to $79,999 67 2.0% $741
$80,000 to $89,999 188 8.0% $832
$90,000 to $99,999 89 3.0% $934
$100,000 to $124,999 236 10.0% $1083
$125,000 to $149,999 161 6.0% $1356
$150,000 to $174,999 116 5.0% $1607
$175,000 to $199,999 186 8.0% $1846
$200,000 to $249,999 218 9.0% $2223
$250,000 to $299,999 198 8.0% $2724
$300,000 to $399,999 129 5.0% $3465

Renters Insurance in Mims

  • Average Renters Insurance in Mims :  $182($15/month)

  • Median Gross Rent in Mims :  $869

  • Mims Renters Insurance to Median Rent Ratio:  1.73%

  • Average household size of renter-occupied unit :  2.45

Mims Renters Insurance as a Percentage of Rent

Mims Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 18 4.0% $345
$200 to $299 12 2.0% $795
$300 to $499 9 2.0% $1245
$500 to $749 128 29.0% $1920
$750 to $999 70 16.0% $2670
$1,000 to $1,499 196 45.0% $3795

Rent Affordability in Mims:

Approximately 65.0% (353) of households are spending more than 35% of their income on gross rent in Mims

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 67 12.0%
15.0 to 19.9 percent 11 2.0%
20.0 to 24.9 percent 55 10.0%
25.0 to 29.9 percent 23 4.0%
30.0 to 34.9 percent 33 6.0%
35.0 percent or more 353 65.0%

Mims Renters Insurance Discounts:

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

Number of Vehicles in Mims, FL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 352 64.0% $18.2
2 vehicles available 139 25.0% $27.3
3 or more vehicles available 10 1.0% $36.4

Mims Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 53 9.0% $86
60 to 64 years 48 8.0% $69
65 to 74 years 50 9.0% $56
75 years and over 68 12.0% $43

Protective device discount in Mims Up to :  $27

Claims-free discount in Mims Up to :  $36