New Port Richey Insurance Rates:

New Port Richey, FL home insurance is approximately $978 to $1,325, about $81-$110/month. Our complete research shows customers can save upto $460 by comparing multiple quotes

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New Port Richey Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $560/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $145,000

4 Beds, 4 Bath 1600 sqft Primary Residence Constructed In 2012 with Linoleum, Wood Shake Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

73 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $220/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Bath 1660 sqft Seasonal Residence Constructed In 1994 with Carpet over wood flooring, Slate Shingles Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Deadbolt Locks, Indoor Sprinklers, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Divorced Male who has a Full Time Job with household income of $100-$150,000 and has 1 Pet and is a Non-Smoker

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

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $210/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Bath 1880 sqft Rental Property Constructed In 2011 with Wood Flooring, Shingles Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Fire Extinguisher, Fireplace, Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Divorced 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 :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

Home Insurance Rate of $3480/7 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $295,000

5 Beds, 5 Baths 4390 sqft Rental Property Constructed In 2008 with Ceramic Tile Flooring, Slate Shingles Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Fireplace, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Married Female who is a Freelancer with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $490/3 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $110,000

3 Beds, 3 Bath 1400 sqft Vacation Property Constructed In 1983 with Carpet over wood flooring, Slate Shingles Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Divorced Male who is a Freelancer with household income of $50-$75,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $720/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $195,000

3 Beds, 3 Bath 1940 sqft Vacation Property Constructed In 1989 with Stone Flooring, Wood Shake Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Central Air Conditioning, Fire Extinguisher, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Married Male who is Retired with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $2390/5 months for $175,000-$200,000 Coverage
Policy Holder Home Details :

Home Value : $150,000

3 Beds, 3 Baths 1665 sqft Primary Residence Constructed In 1978 with Wood Flooring, Tile Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Fireplace, Copper Water Pipes, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

New Port Richey, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
34653 $95,900 $1,140
34655 $193,400 $1,200
34654 $148,500 $1,180
34652 $100,500 $1,130

New Port Richey Rates & Quotes Analysis:

New Port Richey Area Estimated House Insurance
Links Ln, Celtic Dr, Sunnybrook Dr, Bayfield Ct, Oak Leaf Ln, Abdella Ln, Stoneview Rd, Voorhees Rd, Tina Dr, Blanche St$1,144
Sand Bay Dr, Baker Rd, Matthew Dr, Sweetspire Ln, Pond Rush Ct, Belleville Ave, Thicket Trl, Wisteria Cir, Plum Tree Rd, Executive Dr$1,116
Altrara Way, Blue River Rd, Exemplar Dr, Crosier Ct, Runnel Dr, Peconic Way, Hazelnut Ct, Hawk Roost Ct, Oak Bluff Ave, Jays Nest Ln$1,181
Picnic Ct, Brookside Dr, Stony Bridge Dr, Kinard la, Bradford Dr, Fallowfield Dr, Pinewood Villas Dr, Tramore Dr, Maylin Dr, Calabash Ln$1,126
Roxbury Dr, Grey St, Amy Ln, Glenwood Dr, Bolam Ave, Aintree Ct, Rosewood Dr, Atherton Ave, Cavan St, Maybrook Ct$1,140
Hermosillo Dr, Ivyhill Ct, Otter Way, Modesto St, Holiday Dr, Lost Trl, Salton St, Sheldon Pl, Leota Ln, Illinois Ave$1,148
Bunker Hill Ct, Empress Ln, Redleaf Dr, Torrance Dr, Illinois Ave, Teal Dr, Rally Ln, Wimpole Dr, Brandon Dr, Blue Beach Ct$1,123
Pepperell Dr, Bluefield Rd, Sherry Ln, Mesa Dr, Arbor View Ln, Lemonwood Loop, Knight Dr, Sherrell Dr, Pineview Cir, Casa Nueva Dr$1,186
Excalibur St, Gibraltar Ave, Wesson Rd, Spring Flower Dr, Bellehurst Loop, Weymouth Dr, School Rd, Falcon Dr, Muir St, Summervale Dr$1,183
Bowl St, Coachmen Rd, Warren Ave, Brass Ln, Adelaide Loop, Cathedral Ct, Granite Ridge Loop, Hawbucks St, Crescent Ln, Bayport Dr$1,156

Insurance rates are influenced by a number of factors including:

  • Year Built: 24,872 Homes (30% of total homes ) built between 1970 to 1979 in New Port Richey are paying home insurance between $1,866-$1,884. Places close to New Port Richey, FL such as River Ridge, Key Vista, East Lake are more expensive by $33, $54, $146 respectively while New Port Richey East and Elfers are cheaper by $45 and $49 respectively for similar homes.
  • Bedrooms: 38,937 2 bedrooms homes (47% of total homes ) in New Port Richey are paying about $668. Areas near to New Port Richey such as Trinity, River Ridge, Key Vista are costlier by $46, $12, $19 respectively whereas New Port Richey East and Elfers are more economical by $5, $18 respectively for similar homes.
  • Auto Insurance Bundling: 20,642 Households (42% of all households) in New Port Richey have 2 vehicles available and when it is bundled with home insurance you can save $230. Discounts for similar bundling in close by locations such as New Port Richey East, Elfers, Trinity come to $224, $224, $246 respectively.
  • Senior Discounts: 27,112 seniors (more than 55 years) occupied housing units (56% of total) in New Port Richey get discounts between $172 to $174 in contrast with New Port Richey East ($168), Trinity ($184), River Ridge ($175).
  • New Homes discounts: New homes such as the 30,370 homes built between 2000 to 2009 in New Port Richey can save $230 and similar new home insurance discounts in nearby towns and cities like New Port Richey East, Elfers and Trinity are $224, $224 and $246 respectively.

New Port Richey Homeowners insurance Facts

  • New Port Richey, FL has 48,345 owner occupied houses which is 75.0% of all units whereas New Port Richey East, Elfers and Trinity have 59.69%, 73.94% and 95.16% respectively.
  • New Port Richey, FL homeowners yearly insurance price at $1,151 is 0.86% of the typical house value of $133,400 which is in contrast with 1.3% in New Port Richey East, 1.38% at Elfers & 0.46% in Trinity.
  • Homeowners in New Port Richey, FL pay 1.53% of their income ($75,000 or more) in insurance whereas homeowners in New Port Richey East, Elfers and Trinity pay 1.5%, 1.49% and 1.64% respectively.
  • New Port Richey, FL’s insurance is 6.9% of monthly housing costs of $1,399/month, for owners with a mortgage compared to 8.33% in New Port Richey East, 9.47% at Elfers & 5.13% in Trinity. But, for households without a mortgage, insurance is 23.9% of costs ($402 in New Port Richey, FL) in contrast with 28.19% in New Port Richey East, 29.72% at Elfers & 15.67% in Trinity.

New Port Richey, FL Home Values & Insurance rates

For example, insurance for 2,208 Homes (4.0% of total homes ) valued between $70,000 to $79,999 in New Port Richey, FL is about $644. Rates in nearby areas in such as River Ridge, Key Vista, East Lake are cheaper by $118, $183, $322 respectively while New Port Richey East and Elfers are costlier by $321 and $386 respectively for similar homes.

New Port Richey, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 5,630 12.0% $207
$50,000 to $59,999 2,535 5.0% $448
$60,000 to $69,999 2,725 5.0% $552
$70,000 to $79,999 2,208 4.0% $644
$80,000 to $89,999 2,595 5.0% $725
$90,000 to $99,999 2,149 4.0% $817
$100,000 to $124,999 4,855 10.0% $943
$125,000 to $149,999 4,400 9.0% $1185
$150,000 to $174,999 4,458 9.0% $1392
$175,000 to $199,999 3,295 7.0% $1611
$200,000 to $249,999 4,877 10.0% $1945
$250,000 to $299,999 3,188 6.0% $2371
$300,000 to $399,999 3,063 6.0% $3015

Renters Insurance in New Port Richey

  • Average Renters Insurance in New Port Richey :  $170($14/month)

  • Median Gross Rent in New Port Richey :  $887

  • New Port Richey Renters Insurance to Median Rent Ratio:  1.58%

  • Renter occupied housing units in New Port Richey :  16,162

New Port Richey Renters Insurance as a Percentage of Rent

New Port Richey Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 179 1.0% $792
$300 to $499 745 4.0% $1242
$500 to $749 3,769 24.0% $1917
$750 to $999 5,267 34.0% $2667
$1,000 to $1,499 4,383 28.0% $3792
$1,500 or more 861 5.0% $5442

Rent Affordability in New Port Richey:

Approximately 52.0% (8,545) of households are spending more than 35% of their income on gross rent in New Port Richey

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 903 5.0%
15.0 to 19.9 percent 1,341 8.0%
20.0 to 24.9 percent 2,066 12.0%
25.0 to 29.9 percent 1,914 11.0%
30.0 to 34.9 percent 1,393 8.0%
35.0 percent or more 8,545 52.0%

Protective device discount in New Port Richey Up to :  $25

Claims-free discount in New Port Richey Up to :  $34