San Carlos Park Insurance Rates:

San Carlos Park, FL home insurance is roughly $974 to $1,328, about $81-$110/month. Our extensive guide shows customers can save as much as $460 by getting different quotes

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San Carlos Park Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $1980/8 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $205,000

3 Beds, 3 Baths 2240 sqft Vacation Property Constructed In 2008 with Wood Flooring, Slate Shingles Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Married Female who has a Full Time Job with household income of $50-$75,000 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 $1900/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Bath 1490 sqft Vacation Property Constructed In 2007 with Carpet Flooring, Slate Shingles Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $1220/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $235,000

4 Beds, 4 Bath 3010 sqft Seasonal Residence Constructed In 1996 with Linoleum, Metal Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Swimming Pool, Central Air Conditioning, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Married Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2640/12 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Baths 2400 sqft Vacation Property Constructed In 1982 with Carpet Flooring, Composition Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $1770/10 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Bath 1710 sqft Vacation Property Constructed In 2012 with Hardwood Flooring, Shingles Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Smoke Alarm, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Married Male who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $2540/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $270,000

4 Beds, 4 Baths 2730 sqft Primary Residence Constructed In 1998 with Stone Flooring, Wood Shake Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1370/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $150,000

3 Beds, 3 Bath 1830 sqft Rental Property Constructed In 1992 with Ceramic Tile Flooring, Tile Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Married Female who is a Freelancer with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $2160/12 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $160,000

3 Beds, 3 Baths 2140 sqft Vacation Property Constructed In 1986 with Linoleum, Composition Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Married Male 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

  • 600-649 Credit Score

San Carlos Park Rates & Quotes Analysis:

San Carlos Park Area Estimated House Insurance
Temple Rd W, Zinnia Rd, Mandarin Rd, Shell Rd, Pineapple Rd, Cedar Dr W, Homewood Rd, King Rd E, Alico Rd, Armadillo Way$1,143
New Jersey Blvd, Flamingo Rd, Lily Ln, Fostoria Ln, Doral Dr, Maple Rd, Rosewood Rd, Cypress Vista Cir, Fuchsia Rd, Dragonfly Ln$1,158
Iris Rd, Hepatica Rd, Hawthorne Rd, Myrtle Rd, Johnstown Ct, Pomelo Rd W, Liberty Square Cir, Murcott Dr E, Lebanon Rd, Pine Dr$1,142
Baruch Dr, Cypress Knee Cir, Lemon Rd, Malaga Rd, Kings Bay Blvd, Fern Rd, Violet Rd, Louise Dr, Cedar Ct, Windlake Dr$1,139
Missouri Rd, Jasmine Rd, Pennsylvania Blvd, Eastshore Dr, Heather Rd, Orlando Rd, Seville Rd, Country Oaks Dr, Murcott Dr W, Hamlin Rd E$1,156

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,156 Homes (15% of total) built between 1970 to 1979 in San Carlos Park are paying home insurance between $1,866-$1,884 and differs from Three Oaks (+$40), Estero (+$123), Bonita Springs (+$87), Villas (-$14) and Harlem Heights (-$77).
  • Bedrooms: 4,797 3 bedrooms homes (64% of total homes ) in San Carlos Park are paying about $852. Areas near to San Carlos Park such as Three Oaks, Estero, Bonita Springs are costlier by $19, $43, $39 respectively whereas Villas and Cypress Lake are more economical by $18, $3 respectively for similar homes.
  • Auto Insurance Bundling: 1,709 Households (43% of all households) in San Carlos Park have 2 vehicles available and when it is bundled with home insurance you can save $230 and varies from Three Oaks ($235), Estero ($245), Villas ($228).
  • Senior Discounts: 1,537 seniors (more than 55 years) occupied housing units (39% of total) in San Carlos Park get discounts between $171 to $173. The comparative concessions in proximate regions such as Three Oaks, Estero and Villas are $176, $183 and $171 respectively.
  • New Homes discounts: New homes such as the 3,067 homes built between 2000 to 2009 in San Carlos Park can save $230 compared to Three Oaks ($235), Estero ($245), Villas ($228).

San Carlos Park Homeowners insurance Facts

  • San Carlos Park, FL has 3,921 owner occupied houses which is 68.2% of all units whereas Three Oaks, Estero and Villas have 90.55%, 86.29% and 64.05% respectively.
  • San Carlos Park, FL homeowners yearly insurance price at $1,151 is 0.86% of the typical house value of $133,200 which is in contrast with 0.67% in Three Oaks, 0.47% at Estero & 0.95% in Villas.
  • Homeowners in San Carlos Park, FL pay 3.54% of their income ($30,000 to $34,999) in insurance whereas homeowners in Three Oaks, Estero and Villas pay 3.62%, 3.77% and 3.51% respectively.
  • San Carlos Park, FL’s insurance is 6.6% of monthly housing costs of $1,452/month, for owners with a mortgage compared to 5.22% in Three Oaks, 5.06% at Estero & 7.33% in Villas. But, for households without a mortgage, insurance is 22.8% of costs ($420 in San Carlos Park, FL) in contrast with 23.39% in Three Oaks, 15.16% at Estero & 15.83% in Villas.

San Carlos Park, FL Home Values & Insurance rates

For example, insurance for 60 Homes (1.0% of total homes ) valued between $300,000 to $399,999 in San Carlos Park, FL is about $3,015. Rates in nearby areas in such as Three Oaks, Estero, Bonita Springs are cheaper by $663, $1,373, $1,125 respectively while Villas and Cypress Lake are costlier by $319 and $150 respectively for similar homes.

San Carlos Park, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 302 7.0% $207
$50,000 to $59,999 119 3.0% $448
$60,000 to $69,999 108 2.0% $552
$70,000 to $79,999 226 5.0% $644
$80,000 to $89,999 266 6.0% $725
$90,000 to $99,999 170 4.0% $817
$100,000 to $124,999 591 15.0% $943
$125,000 to $149,999 546 14.0% $1185
$150,000 to $174,999 381 9.0% $1392
$175,000 to $199,999 248 6.0% $1611
$200,000 to $249,999 645 16.0% $1945
$250,000 to $299,999 172 4.0% $2371
$300,000 to $399,999 60 1.0% $3015

Renters Insurance in San Carlos Park

  • Average Renters Insurance in San Carlos Park :  $170($14/month)

  • Median Gross Rent in San Carlos Park :  $930

  • San Carlos Park Renters Insurance to Median Rent Ratio:  1.51%

  • Renter occupied housing units in San Carlos Park :  1,828

San Carlos Park Renters Insurance as a Percentage of Rent

San Carlos Park Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 55 3.0% $1242
$500 to $749 272 15.0% $1917
$750 to $999 756 42.0% $2667
$1,000 to $1,499 578 32.0% $3792
$1,500 or more 121 6.0% $5442

Rent Affordability in San Carlos Park:

Approximately 42.0% (775) of households are spending more than 35% of their income on gross rent in San Carlos Park

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 156 8.0%
15.0 to 19.9 percent 219 11.0%
20.0 to 24.9 percent 307 16.0%
25.0 to 29.9 percent 258 14.0%
30.0 to 34.9 percent 113 6.0%
35.0 percent or more 775 42.0%

San Carlos Park Renters Insurance Discounts:

San Carlos Park Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in San Carlos Park, FL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 863 47.0% $17.0
2 vehicles available 633 34.0% $25.5
3 or more vehicles available 256 14.0% $34.0

Protective device discount in San Carlos Park Up to :  $25

Claims-free discount in San Carlos Park Up to :  $34