Oviedo Insurance Rates:

Oviedo, FL home insurance is nearly $1,033 to $1,407, about $86-$117/month. Our thorough research reveals consumers can save upto $488 by getting different quotes

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Oviedo, Florida Homeowners Insurance Reviews separate truth from fantasy. Compare realistic quotes from the most best home insurance providers.

Oviedo Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Chubb Group of Insurance
Home Insurance Rate of $3640/12 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $270,000

3 Beds, 3 Baths 2140 sqft Seasonal Residence Constructed In 1992 with Hardwood Flooring, Shingles Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Swimming Pool, Fire Extinguisher, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

73 Years old Married Female who is Retired and has 2 Pets and is a Non-Smoker

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

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $3920/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $270,000

3 Beds, 3 Baths 1760 sqft Rental Property Constructed In 2013 with Carpet Flooring, Asphalt Shingles Roof, Slab Foundation, Stucco siding, Metal Frame Construction. Home Features Include Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $1820/7 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $320,000

4 Beds, 4 Baths 2600 sqft Rental Property Constructed In 2013 with Carpet over wood flooring, Slate Shingles Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Deadbolt Locks, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Divorced Male who is Retired with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $1220/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $315,000

4 Beds, 4 Bath 2000 sqft Vacation Property Constructed In 2012 with Ceramic Tile Flooring, Membrane Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Smoke Alarm, Swimming Pool, Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Single Male who has a Part 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

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $6020/12 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $310,000

5 Beds, 5 Bath 2320 sqft Vacation Property Constructed In 2002 with Linoleum, Shingles Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Single Female who is Retired and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $8400/6 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $625,000

5 Beds, 5 Baths 4740 sqft Seasonal Residence Constructed In 1995 with Carpet over wood flooring, Metal Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Fireplace, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $310/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $220,000

3 Beds, 3 Baths 1460 sqft Primary Residence Constructed In 2010 with Hardwood Flooring, Shingles Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Smoke Alarm, Central Air Conditioning, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Divorced Female who is a Freelancer with household income of $50-$75,000 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 $1630/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Bath 1200 sqft Rental Property Constructed In 2014 with Wood Flooring, Composition Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Smoke Alarm, Deadbolt Locks, Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Divorced Female who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $2300/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $385,000

4 Beds, 4 Baths 2990 sqft Primary Residence Constructed In 2011 with Carpet over wood flooring, Slate Shingles Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Single Male who has a Full Time Job with household income of $50-$75,000 and has 1 Pet and is a Smoker

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

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $3170/6 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $640,000

5 Beds, 5 Baths 4890 sqft Vacation Property Constructed In 2013 with Carpet Flooring, Metal Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $4650/10 months for $200,000-$250,000 Coverage
Policy Holder Home Details :

Home Value : $210,000

3 Beds, 3 Baths 1711 sqft Primary Residence Constructed In 2006 with Carpet over wood flooring, Composition Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Fireplace, Copper Water Pipes, Deadbolt Locks, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

65 Years old Married 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 :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

Oviedo, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
32765 $241,900 $1,240

Oviedo Rates & Quotes Analysis:

Oviedo Area Estimated House Insurance
Heirloom Rose Pl, Lindsay Ln, Ashton Ter, Cutoff Branch Ct, Silent Forest Pt, W Co Rd 419, Carillon Park Dr, Twin Rivers Blvd, Atwater Loop, Enderby Pl$1,256
Simmons Rd, Sisso Cove, Kelsey Ave, Elm St, Emerald Dr, Brigham Loop, Evans St, Breezy Pt, Teague Ct, Hemmingway Ct$1,189
Puma Trl, Olean Ct, Park Rd, Channel Side Ct, Old Kerry Ct, Penny Royal Pl, Moccasin Run Rd, Grand Chenier Cove, Yellow Tail Pl, Gema Pl$1,171
S Stone St, Arden Woods Ct, Aruba Cir, Bay Club Rd, Old Lake Harney Rd, Lordmall Ct, Denise St, Conley Dr, N Lake Claire Cir, Hillstream Rd$1,222
Oscelot Trl, Packard Ave, Vernon Loop, Norwood Ct, Aloma Woods Blvd, Tuscora Dr, Black Hammock Rd, Wolfe Ct, Native Ct, Riverwoods Dr$1,261
Lakepark Trl, Garden St, W Chapman Rd, Shangri la Ln, Smithson Dr, Goldsboro Pl, Van Arsdale St, Boston St, Langford Dr, Flint Trl$1,227
Dovehill Way, Old Coventry Ct, Lake Geneva Rd, Wilson Rd, Clubwood Ct, Lake Crescent Dr, Gemini Ct, Elmcrest Pl, Bayside Loop, S Lake Jessup Ave$1,219
Mazurka Dr, Hale Rd, Sultan Cir, Lakeview Ranch Pt, Goldfinch Ct, Whistling Winds Pt, Ironhorse Bnd, Woodpecker Ln, Camellia St, Dean Rd$1,259
N Lake Burkett Ln, Rainbow Trl, Division St, Westminister Ter, Cracker Creek Ct, Ortega St, Warner Dr, Wax Palm Ln, Cranebrook Ct, Sanctuary Dr$1,258
Canoe Birch Pl, Enderby Rd, Wrenfield Ln, McCulloch Rd, Big Oak Bend, Madison Ln, N Central Ave, Bluewater Run, Wharf Creek Ct, Remington Dr$1,261

Insurance rates are influenced by a number of factors including:

  • Year Built: 12,748 Homes (36% of total) built between 1990 to 1999 in Oviedo are paying home insurance between $1,760-$1,778 and varies from Black Hammock (+$36), Lake Mary (+$19), Winter Park (+$82), Seminole County (-$38) and Chuluota (-$71).
  • Bedrooms: 5,266 2 bedrooms homes (15% of total homes ) in Oviedo are paying about $708. Areas near to Oviedo such as Black Hammock, Lake Mary, Winter Park are costlier by $15, $8, $33 respectively whereas Seminole County and Chuluota are more economical by $15, $28 respectively for similar homes.
  • Auto Insurance Bundling: 6,278 Households (26% of all households) in Oviedo have 3 or more vehicles available and when it is bundled with home insurance you can save $305 and varies from Seminole County ($298), Black Hammock ($311), Geneva ($305).
  • Senior Discounts: 9,762 seniors (more than 55 years) occupied housing units (40% of total) in Oviedo get discounts between $182 to $185 and differs from Seminole County ($179), Black Hammock ($186), Geneva ($183).
  • New Homes discounts: New homes such as the 21,542 homes built between 2000 to 2009 in Oviedo can save $244 and similar new home insurance discounts in nearby towns and cities like Seminole County, Black Hammock and Geneva are $238, $249 and $244 respectively.

Oviedo Homeowners insurance Facts

  • Oviedo, FL has 24,098 owner occupied houses which is 79.5% of all units whereas Oviedo, Black Hammock and Geneva have 79.47%, 90.91% and 95.08% respectively.
  • Oviedo, FL homeowners yearly insurance price at $1,220 is 0.49% of the typical house value of $249,100 which is in contrast with 0.49% in Oviedo, 0.43% at Black Hammock & 0.48% in Geneva.
  • Homeowners in Oviedo, FL pay 24.4% of their income (Less than $10,000) in insurance whereas homeowners in Oviedo, Black Hammock and Geneva pay 24.4%, 24.9% and 24.44% respectively.
  • Oviedo, FL’s insurance is 5.2% of monthly housing costs of $1,973/month, for owners with a mortgage compared to 5.15% in Oviedo, 5.89% at Black Hammock & 5.52% in Geneva. But, for households without a mortgage, insurance is 18.4% of costs ($554 in Oviedo, FL) in contrast with 18.35% in Oviedo, 19.91% at Black Hammock & 30.95% in Geneva.

Oviedo, FL Home Values & Insurance rates

For example, insurance for 4,702 Homes (23.0% of total homes ) valued between $300,000 to $399,999 in Oviedo, FL is about $1,708. Rates in nearby areas in such as Black Hammock, Geneva, Lake Mary are cheaper by $214, $22, $118 respectively while Chuluota and Winter Springs are costlier by $727 and $289 respectively for similar homes.

Oviedo, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 750 3.0% $122
$70,000 to $79,999 246 1.0% $366
$80,000 to $89,999 293 1.0% $414
$90,000 to $99,999 393 1.0% $463
$100,000 to $124,999 1,000 4.0% $536
$125,000 to $149,999 1,441 7.0% $671
$150,000 to $174,999 1,956 9.0% $793
$175,000 to $199,999 1,862 9.0% $915
$200,000 to $249,999 4,055 19.0% $1098
$250,000 to $299,999 3,536 17.0% $1342
$300,000 to $399,999 4,702 23.0% $1708

Renters Insurance in Oviedo

  • Average Renters Insurance in Oviedo :  $96($8/month)

  • Median Gross Rent in Oviedo :  $1,223

  • Oviedo Renters Insurance to Median Rent Ratio:  0.65%

  • Average household size of renter-occupied unit :  2.89

Oviedo Renters Insurance as a Percentage of Rent

Oviedo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 424 7.0% $1899
$750 to $999 959 16.0% $2649
$1,000 to $1,499 2,822 48.0% $3774
$1,500 or more 1,585 27.0% $5424

Rent Affordability in Oviedo:

Approximately 55.0% (3,443) of households are spending more than 35% of their income on gross rent in Oviedo

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 399 6.0%
15.0 to 19.9 percent 421 6.0%
20.0 to 24.9 percent 908 14.0%
25.0 to 29.9 percent 520 8.0%
30.0 to 34.9 percent 533 8.0%
35.0 percent or more 3,443 55.0%

Oviedo Renters Insurance Discounts:

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

Number of Vehicles in Oviedo, FL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 2,749 44.0% $9.6
2 vehicles available 2,118 34.0% $14.4
3 or more vehicles available 822 13.0% $19.2

Protective device discount in Oviedo Up to :  $14

Claims-free discount in Oviedo Up to :  $19