Orlando Insurance Rates:

Orlando, FL home insurance is about $994 to $1,346, about $82-$112/month. Our comprehensive research reveals consumers can save as much as $468 by comparing different quotes

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Orlando Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $2570/12 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

2 Beds, 2 Bath 1250 sqft Primary Residence Constructed In 1988 with Wood Flooring, Asphalt Shingles Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Single Female who is a Freelancer with household income of $50-$75,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $960/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

2 Beds, 2 Bath 1360 sqft Primary Residence Constructed In 1967 with Carpet over wood flooring, Asphalt Shingles Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Swimming Pool, Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

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

  • 650-699 Credit Score

Home Insurance Rate of $1540/10 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $135,000

2 Beds, 2 Bath 1580 sqft Seasonal Residence Constructed In 1997 with Carpet over wood flooring, Tile Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Single Female who is a Freelancer with household income of more than $150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $3470/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $300,000

5 Beds, 5 Bath 2800 sqft Rental Property Constructed In 1986 with Hardwood Flooring, Composition Roof, Slab Foundation, Stucco siding, Metal Frame Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Married Female who has a Full Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1360/2 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $360,000

5 Beds, 5 Baths 3550 sqft Rental Property Constructed In 1985 with Ceramic Tile Flooring, Tile Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Indoor Sprinklers, Copper Water Pipes, Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Divorced 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 :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $870/6 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $105,000

2 Beds, 2 Bath 1120 sqft Primary Residence Constructed In 1992 with Carpet over wood flooring, Wood Shake Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

43 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 Non-Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $2710/9 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $110,000

2 Beds, 2 Bath 1480 sqft Primary Residence Constructed In 1999 with Wood Flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Fireplace, Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

37 Years old Divorced Female who has a Full Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

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Orlando Rates & Quotes Analysis:

Orlando Area Estimated House Insurance
Hillcrest Ave, Barby Ln, Kensington High Blvd, Poplar Pl, Cardinal Guard Ave, Old Park Ln, Terrina Ct, Admirality Ct, E Morse Blvd, Atkins Pl$1,242
N Thistle Ln, Beard Ave, Creston Dr, Pedro Ave, Geigel Ave, Radio Whoo Rd, Altec Rd, Montcalm St, Whittier Cir, North Virginia Ave$1,183
34th St, Dante Dr, Mitchell Dr, Larch Ln, Edie Way, Pacemaker St, Benhurst Pl, N Division Ave, Dundee Dr, Brighton Park Ln$1,137
Hidden Creek Blvd, Piazza Grande Ave, Norwell Ave, Indian Hill Rd, Jasmine Glen Dr, Lake Pineloch Blvd, Cocoa Ln, Gay Dr, Mausser Dr, Oakwater Pointe Dr$1,118
Easy Ave, Brown Bark Dr, Saint George Ave, Randia Dr, Leprechaun Way, Shaffer Pl, Hourglass Dr, Pasha Ln, Chelsea Pl, E Crystal Lake Ave$1,175
Bordwine Dr, Camino Way, Clemson Rd, Nice Ave, Volusia Dr, Sandlewood Trl, Durango Ct, Ambassador Dr, Sebastian Way, Cathcart Ter$1,140
Idlewild Ct, Ambassador Ct, Pine Ave, S Ivanhoe Blvd W, White Marsh Cir, S West Ave, Calendula Dr, Anzle Ave, Pinnacle Cove Blvd, Northwood Cir$1,138
Mau Mau Ln, Hiawassee Meadows Dr, Swallow Run, E Swoope Ave, Pelleport Ave, Gypsy Ln, Coretta Way, Jaleen Ave, Laguna St, Highness Ct$1,136
Doolan Ct, Alcalde Ct, Sol Ave, Derbyshire Ln, Fitness Cir, Oxfordshire Pl, Greenwood Rd, Canyon Dr, Sun Ct, 20th St$1,122
Lodgewood Ln, Campus View Dr, Waterwitch Dr, Sweetleaf St, W Rosevear St, High St, Klondike St, Stafford Dr, Wallace Dr, Walnut Ave$1,128

Insurance rates are influenced by a number of factors including:

  • Year Built: 35,130 Homes (14% of total) built between 1990 to 1999 in Orlando are paying home insurance between $1,688-$1,705 compared to Holden Heights (+$27), Edgewood (+$76), Conway (+$39), Pine Castle (-$49) and Sky Lake (-$54).
  • Bedrooms: 39,394 1 bedroom homes (16% of total homes ) in Orlando are paying about $656. Areas near to Orlando such as Holden Heights, Edgewood, Conway are costlier by $10, $29, $15 respectively whereas Pine Castle and Orange County are more economical by $31, $5 respectively for similar homes.
  • Auto Insurance Bundling: 17,437 Households (17% of all households) in Orlando have 3 or more vehicles available and when it is bundled with home insurance you can save $292. Discounts for similar bundling in close by locations such as Holden Heights, Edgewood, Conway come to $297, $305, $299 respectively.
  • Senior Discounts: 46,437 seniors (more than 55 years) occupied housing units (46% of total) in Orlando get discounts between $175 to $177. The comparative concessions in proximate regions such as Holden Heights, Edgewood and Conway are $178, $183 and $179 respectively.
  • New Homes discounts: New homes such as the 109,349 homes built between 2000 to 2009 in Orlando can save $234 and similar new home insurance discounts in nearby towns and cities like Holden Heights, Edgewood and Conway are $237, $244 and $239 respectively.

Orlando Homeowners insurance Facts

  • Orlando, FL has 99,872 owner occupied houses which is 48.2% of all units whereas Holden Heights, Edgewood and Conway have 66.43%, 89.85% and 80.09% respectively.
  • Orlando, FL homeowners yearly insurance price at $1,170 is 0.71% of the typical house value of $164,300 which is in contrast with 0.61% in Holden Heights, 0.48% at Edgewood & 0.57% in Conway.
  • Homeowners in Orlando, FL pay 5.2% of their income ($20,000 to $24,999) in insurance whereas homeowners in Holden Heights, Edgewood and Conway pay 5.28%, 5.44% and 5.32% respectively.
  • Orlando, FL’s insurance is 6.5% of monthly housing costs of $1,504/month, for owners with a mortgage compared to 6.1% in Holden Heights, 5.48% at Edgewood & 6.11% in Conway. But, for households without a mortgage, insurance is 21.4% of costs ($456 in Orlando, FL) in contrast with 20.69% in Holden Heights, 16.39% at Edgewood & 22.93% in Conway.

Orlando, FL Home Values & Insurance rates

For example, insurance for 9,441 Homes (10.0% of total homes ) valued between $100,000 to $124,999 in Orlando, FL is about $772. Rates in nearby areas in such as Holden Heights, Edgewood, Conway are cheaper by $107, $247, $150 respectively while Pine Castle and Sky Lake are costlier by $364 and $440 respectively for similar homes.

Orlando, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 7,148 7.0% $175
$50,000 to $59,999 3,325 3.0% $362
$60,000 to $69,999 3,933 4.0% $456
$70,000 to $79,999 4,119 4.0% $526
$80,000 to $89,999 4,758 5.0% $596
$90,000 to $99,999 3,766 4.0% $666
$100,000 to $124,999 9,441 10.0% $772
$125,000 to $149,999 7,481 8.0% $971
$150,000 to $174,999 10,404 11.0% $1146
$175,000 to $199,999 7,257 8.0% $1333
$200,000 to $249,999 11,980 13.0% $1602
$250,000 to $299,999 8,007 8.0% $1953
$300,000 to $399,999 7,881 8.0% $2492

Renters Insurance in Orlando

  • Average Renters Insurance in Orlando :  $150($12/month)

  • Median Gross Rent in Orlando :  $967

  • Orlando Renters Insurance to Median Rent Ratio:  1.24%

  • Renter occupied housing units in Orlando :  107,230

Orlando Renters Insurance as a Percentage of Rent

Orlando Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 3,263 3.0% $1237
$500 to $749 15,944 15.0% $1912
$750 to $999 36,607 34.0% $2662
$1,000 to $1,499 37,443 35.0% $3787
$1,500 or more 10,082 9.0% $5437

Rent Affordability in Orlando:

Approximately 54.0% (58,780) of households are spending more than 35% of their income on gross rent in Orlando

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 6,571 6.0%
15.0 to 19.9 percent 9,155 8.0%
20.0 to 24.9 percent 11,608 10.0%
25.0 to 29.9 percent 11,518 10.0%
30.0 to 34.9 percent 9,598 8.0%
35.0 percent or more 58,780 54.0%

Orlando Renters Insurance Discounts:

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

Number of Vehicles in Orlando, FL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 59,306 55.0% $15.0
2 vehicles available 28,670 26.0% $22.5
3 or more vehicles available 5,138 4.0% $30.0

Orlando Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 5,708 5.0% $96
60 to 64 years 4,627 4.0% $77
65 to 74 years 4,774 4.0% $62
75 years and over 4,361 4.0% $48

Protective device discount in Orlando Up to :  $22

Claims-free discount in Orlando Up to :  $30

Orlando, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
32836 $411,300 $1,330
32801 $270,300 $1,250
32832 $247,900 $1,230
32827 $242,500 $1,220
32803 $229,600 $1,220
32828 $224,700 $1,210
32806 $217,200 $1,210
32835 $204,500 $1,200
32837 $203,200 $1,200
32812 $196,100 $1,190
32829 $183,700 $1,200
32825 $178,300 $1,190
32821 $164,900 $1,180
32824 $156,700 $1,180
32831 $15,300 $1,080
32826 $150,500 $1,170
32818 $138,400 $1,170
32839 $132,200 $1,150
32805 $126,400 $1,160