Ocala Insurance Rates:

Ocala, FL home insurance is about $971 to $1,317, about $80-$109/month. Our detailed research shows customers can save as much as $457 by comparing multiple quotes

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

Ocala Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $4400/8 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $315,000

5 Beds, 5 Baths 4060 sqft Vacation Property Constructed In 2010 with Wood Flooring, Wood Shake Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Fireplace, Deadbolt Locks, Swimming Pool, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

53 Years old Divorced Female who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $890/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $150,000

3 Beds, 3 Baths 1700 sqft Seasonal Residence Constructed In 1984 with Linoleum, Shingles Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

30 Years old Single Male who is a Freelancer with household income of $100-$150,000 and has More than 3 Pets at home and is a Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $390/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Baths 1840 sqft Vacation Property Constructed In 2010 with Carpet over wood flooring, Composition Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Deadbolt Locks, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Married Male who is a Freelancer with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $1980/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $245,000

5 Beds, 5 Bath 3190 sqft Primary Residence Constructed In 2000 with Wood Flooring, Shingles Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 500-549 Credit Score

Home Insurance Rate of $1360/5 months for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Baths 1961 sqft Primary Residence Constructed In 2008 with Ceramic Tile Flooring, Composition Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

35 Years old Divorced Male who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

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Ocala Rates & Quotes Analysis:

Ocala Area Estimated House Insurance
SW 1st Ct, NW 6th Pl, Oak Lane Cir, Pecan Course Trak, Spring Pass, SE 46th Pl, Hemlock Trce, SW 6th Ave, NE 19th Pl, NE 36th St$1,129
Almond Trail Pl, Hemlock Radial Dr, Midway Rd, NE 4th Ct, SE 18th Ave, Pine Pass Ct, SE 62nd Loop, NW 27th Avenue Rd, SE 39th St, SE 39th Cir$1,149
Hemlock Terrace Crse, SW 12th Ave, SE 48th Avenue Rd, NE 40th Avenue Rd, SE 100th St, SE 28th Rd, SW 57th Ave, SE 41st Ave, Oak Lane Way, SE 5th Ct$1,236
SE 12th Ave, NE 58 Th Ter, Almond Trail Way, Locust Ps Loop, NE 26th Ct, Hemlock Terrace Ct, Shady Lane Rd, SE 12th Ave, Carlow Ter, Banyan Trak$1,122
Ganton Rd, SW 33rd Ave, la Quinta Rd, Hickory Loop Pass, Cherry Dr Pass, SE 15th Ave, SW 55th Ct, SE 68th St, NW 48th Ter, NE 26th Ln$1,117
NE 26th St, NW 67th Ln, SW 78th Terrace Rd, SW 37th Dr, Sunningdale Dr, Co Rd 464A, NW 25th Ave, NW 23rd Ave, NW 46th St, SW 1st Ave$1,130
Ainsdale Ln, NE 25th Pl, Silver Trl, 5th St, SE 18th Cir, Cedar Dr, SW 43rd Street Rd, Oak Lane Trce, NE 17th Ter, SE 20th Ter$1,122
SE 22 St, NW 29th Ct, NE 18th St, NW 52nd Street Rd, Spring Lake Pl, SW 3rd St, Lake Ct, Oak Lane Crse, Hemlock Pl, SE 88th Ave$1,130
NE 42nd Ave, SE 100th St, Hemlock Ct, Brook Ln, SW 77 Ct, NW 16th St, NE 51st Ave, Cherry Drive Ct, SE 112th Ter, Pecan Drive Pass$1,150
Hemlock Radial Cir, SW 42nd Pl, Fir Drive Run, SE 28th Ct, NE 8th Ter, Ft Brooks Rd, NW 60th Street Rd, NW 57th Ave, SE 39th Ct, NE 61st Ct$1,129

Insurance rates are influenced by a number of factors including:

  • Year Built: 10,690 Homes (16% of total) built between 1970 to 1979 in Ocala are paying home insurance between $1,855-$1,872 and differs from Marion County (+$10), Belleview (+$28), Reddick-McIntosh (+$40), Silver Springs Shores (-$34) and Fort McCoy-Anthony (-$26).
  • Bedrooms: 7,188 4 bedrooms homes (11% of total homes ) in Ocala are paying about $1,327. Areas near to Ocala such as Marion County, Belleview, Reddick-McIntosh are costlier by $18, $19, $40 respectively whereas Fort McCoy-Anthony and Fellowship are more economical by $8, $4 respectively for similar homes.
  • Auto Insurance Bundling: 6,121 Households (16% of all households) in Ocala have 3 or more vehicles available and when it is bundled with home insurance you can save $286. Discounts for similar bundling in close by locations such as Marion County, Silver Springs Shores, Belleview come to $287, $280, $290 respectively.
  • Senior Discounts: 21,325 seniors (more than 55 years) occupied housing units (57% of total) in Ocala get discounts between $171 to $173 compared to Marion County ($172), Silver Springs Shores ($168), Belleview ($174).
  • New Homes discounts: New homes such as the 28,923 homes built between 2000 to 2009 in Ocala can save $228 in contrast with Marion County ($230), Silver Springs Shores ($224), Belleview ($232).

Ocala Homeowners insurance Facts

  • Ocala, FL has 36,784 owner occupied houses which is 68.5% of all units whereas Marion County, Silver Springs Shores and Belleview have 76.97%, 73.95% and 83.41% respectively.
  • Ocala, FL homeowners yearly insurance price at $1,144 is 0.94% of the typical house value of $121,800 which is in contrast with 0.88% in Marion County, 1.3% at Silver Springs Shores & 0.77% in Belleview.
  • Homeowners in Ocala, FL pay 5.08% of their income ($20,000 to $24,999) in insurance whereas homeowners in Marion County, Silver Springs Shores and Belleview pay 5.11%, 4.99% and 5.16% respectively.
  • Ocala, FL’s insurance is 8.0% of monthly housing costs of $1,198/month, for owners with a mortgage compared to 8.12% in Marion County, 8.19% at Silver Springs Shores & 8.13% in Belleview. But, for households without a mortgage, insurance is 22.4% of costs ($425 in Ocala, FL) in contrast with 24.39% in Marion County, 25.64% at Silver Springs Shores & 24.62% in Belleview.

Ocala, FL Home Values & Insurance rates

For example, insurance for 3,027 Homes (8.0% of total homes ) valued between $200,000 to $249,999 in Ocala, FL is about $2,116. Rates in nearby areas in such as Marion County, Belleview, Reddick-McIntosh are cheaper by $138, $398, $503 respectively while Silver Springs Shores and Fort McCoy-Anthony are costlier by $815 and $546 respectively for similar homes.

Ocala, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 5,139 14.0% $228
$50,000 to $59,999 1,074 3.0% $491
$60,000 to $69,999 1,892 5.0% $606
$70,000 to $79,999 1,703 4.0% $697
$80,000 to $89,999 2,639 7.0% $789
$90,000 to $99,999 2,021 5.0% $880
$100,000 to $124,999 4,511 12.0% $1029
$125,000 to $149,999 3,567 10.0% $1281
$150,000 to $174,999 3,704 10.0% $1521
$175,000 to $199,999 1,995 5.0% $1750
$200,000 to $249,999 3,027 8.0% $2116
$250,000 to $299,999 1,973 5.0% $2585
$300,000 to $399,999 1,506 4.0% $3283

Renters Insurance in Ocala

  • Average Renters Insurance in Ocala :  $178($14/month)

  • Median Gross Rent in Ocala :  $852

  • Ocala Renters Insurance to Median Rent Ratio:  1.64%

  • Average household size of renter-occupied unit :  2.5

Ocala Renters Insurance as a Percentage of Rent

Ocala Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 321 1.0% $794
$300 to $499 1,127 6.0% $1244
$500 to $749 4,178 25.0% $1919
$750 to $999 5,713 35.0% $2669
$1,000 to $1,499 4,158 25.0% $3794
$1,500 or more 599 3.0% $5444

Rent Affordability in Ocala:

Approximately 53.0% (9,136) of households are spending more than 35% of their income on gross rent in Ocala

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,137 6.0%
15.0 to 19.9 percent 1,119 6.0%
20.0 to 24.9 percent 1,686 9.0%
25.0 to 29.9 percent 2,229 13.0%
30.0 to 34.9 percent 1,636 9.0%
35.0 percent or more 9,136 53.0%

Ocala Renters Insurance Discounts:

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

Number of Vehicles in Ocala, FL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 9,316 54.0% $17.8
2 vehicles available 4,582 27.0% $26.7
3 or more vehicles available 682 4.0% $35.6

Ocala Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 909 5.0% $85
60 to 64 years 979 5.0% $68
65 to 74 years 1,069 6.0% $55
75 years and over 1,245 7.0% $42

Protective device discount in Ocala Up to :  $26

Claims-free discount in Ocala Up to :  $35

Ocala, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
34475 $89,600 $1,130
34471 $176,000 $1,190
34480 $160,700 $1,180
34476 $146,800 $1,170
34482 $140,200 $1,160
34473 $133,100 $1,160
34474 $121,700 $1,150
34479 $117,800 $1,150
34470 $107,700 $1,140
34481 $103,200 $1,140
34472 $102,300 $1,140