Sanford Insurance Rates:

Sanford, FL home insurance is approximately $1,013 to $1,378, about $84-$114/month. Our complete guide shows customers can save upto $478 by comparing different quotes

Compare Quotes from Top Providers and Save now!

Sanford, Florida Home Insurance reviews to distinguish between reality & fairy tales. Compare real quotes from top providers & buy the cheapest.

Sanford Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $4800/9 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $290,000

4 Beds, 4 Baths 2840 sqft Seasonal Residence Constructed In 1996 with Hardwood Flooring, Tile Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Swimming Pool, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Single Male 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 :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $290/1 month for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $225,000

5 Beds, 5 Baths 2380 sqft Primary Residence Constructed In 2000 with Linoleum, Slate Shingles Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Single Male who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $6090/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $265,000

3 Beds, 3 Baths 2230 sqft Vacation Property Constructed In 1990 with Carpet over wood flooring, Wood Shake Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Married Female who has a Full Time Job with household income of more than $150,000 and has 2 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 $560/6 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $115,000

3 Beds, 3 Bath 1210 sqft Primary Residence Constructed In 2005 with Carpet Flooring, Composition Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Single Male who is a Freelancer with household income of more than $150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $780/3 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Baths 1280 sqft Primary Residence Constructed In 2004 with Carpet over wood flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Single Female who has a Full Time Job with household income of more than $150,000 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 $1210/2 months for $300,000-$350,000 Coverage
Policy Holder Home Details :

Home Value : $285,000

4 Beds, 4 Baths 2898 sqft Primary Residence Constructed In 1996 with Linoleum, Asphalt Shingles Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Swimming Pool, Deadbolt Locks, Central Air Conditioning, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Single Male who has a Full Time Job with household income of less than $25,000 and has More than 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Sanford, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
32771 $179,400 $1,190
32773 $130,500 $1,150

Sanford Rates & Quotes Analysis:

Sanford Area Estimated House Insurance
25th Pl, Emma Oaks Trl, Crockett Pt, Peach Ave, E 20th St, W 17th St, Smedley Ln, Panama Pl, Southwest Rd, Island Lake Dr$1,132
E Airport Blvd, Tallow Tree Rd, Stone Gate N, Marjorie Blvd, Great Egret Dr, Woodland Ct, Long Leaf Pine Cir, Ulrich Pt, Vista Rd, Central Dr$1,136
N Mellonville Ave, Avon Glade Pl, Highcroft Ct, Castle Brewer Ct, Sagana Pt, Amethyst Ct, Northridge Dr, Trevor Ct, Cypress Ridge Ct, Main Rd$1,264
Yale Dr, Club Ct, Long Creek Cove W, Lamplighter Dr, E 29th St, Glenway Dr, Old Lake Mary Rd, Walden View Dr, Pine Bay Dr, Rosalia Dr$1,159
Valencia St, E 26th Pl, Glade View Dr, Cahill Way, Lake Como Dr, Poinsetta Ave, Schilke Way, Bolivia Ct, Bloomsbury Run, N High St$1,265
Napoli Cove, Fox Glove Ln, Polo Ln, Barn Owl Loop, Whitner Way, Longwood Markham Rd, E 14th St, Ridge Lake Ct, Overoaks Ln, N Elm Ave$1,272
Smith Canal Rd, Green Ash Ln, Pepperdine Ln, Bush Loop, Center Oak Trl, N Poplar Ave, Mimosa Ter, Morrison Ave, Key Haven Dr, Hunters Trl$1,143
Wild Cherry Ct, Water Oak, Sunshine Tree Blvd, Sunset Dr, Bieder Ave, Towne Center Cir, S Myrtle Ave, Vespers Pl, Birmingham Ct, Co Rd 425$1,130
Mill Run Dr, Pine Oak Trl, Northumbria Dr, Wylly Ave, Sunvista Ct, Pigeon Ln, Teakwood Ct, Spinnaker Way, Willow Oak Ln, Terra St$1,260
W 26th St, S Mellonville Ave, Milltowne Way, Paola Rd W, Wellsford Way, Lowe Castle Ln, Markham Rd, Grange Cir, Messina Dr, Mallard Dr$1,204

Insurance rates are influenced by a number of factors including:

  • Year Built: 10,882 Homes (19% of total) built between 1990 to 1999 in Sanford are paying home insurance between $1,724-$1,742 compared to Lake Mary (+$55), Heathrow (+$189), Black Hammock (+$72), Longwood (-$19) and DeBary (-$32).
  • Bedrooms: 11,321 4 bedrooms homes (20% of total homes ) in Sanford are paying about $1,386 compared to Lake Mary (+$44), Heathrow (+$165), Winter Springs (+$13), Longwood (-$4) and DeBary (-$14).
  • Auto Insurance Bundling: 6,516 Households (21% of all households) in Sanford have 3 or more vehicles available and when it is bundled with home insurance you can save $298 in contrast with Lake Mary ($308), Heathrow ($331), Longwood ($295).
  • Senior Discounts: 12,232 seniors (more than 55 years) occupied housing units (40% of total) in Sanford get discounts between $178 to $180 and differs from Lake Mary ($184), Heathrow ($198), Longwood ($177).
  • New Homes discounts: New homes such as the 31,808 homes built between 2000 to 2009 in Sanford can save $239 in contrast with Lake Mary ($246), Heathrow ($265), Longwood ($236).

Sanford Homeowners insurance Facts

  • Sanford, FL has 29,830 owner occupied houses which is 68.4% of all units whereas Lake Mary, Heathrow and Longwood have 79.0%, 80.17% and 75.92% respectively.
  • Sanford, FL homeowners yearly insurance price at $1,195 is 0.58% of the typical house value of $207,500 which is in contrast with 0.45% in Lake Mary, 0.31% at Heathrow & 0.64% in Longwood.
  • Homeowners in Sanford, FL pay 1.77% of their income ($60,000 to $74,999) in insurance whereas homeowners in Lake Mary, Heathrow and Longwood pay 1.83%, 1.96% and 1.75% respectively.
  • Sanford, FL’s insurance is 5.7% of monthly housing costs of $1,739/month, for owners with a mortgage compared to 4.91% in Lake Mary, 3.94% at Heathrow & 6.73% in Longwood. But, for households without a mortgage, insurance is 21.7% of costs ($458 in Sanford, FL) in contrast with 19.99% in Lake Mary, 13.23% at Heathrow & 21.99% in Longwood.

Sanford, FL Home Values & Insurance rates

For example, insurance for 1,236 Homes (5.0% of total homes ) valued between Less than $50,000 in Sanford, FL is about $143. Rates in nearby areas in such as Lake Mary, Winter Springs, Wekiwa Springs are cheaper by $33, $12, $33 respectively while Longwood and DeBary are costlier by $10 and $21 respectively for similar homes.

Sanford, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,236 5.0% $143
$50,000 to $59,999 341 1.0% $298
$60,000 to $69,999 553 2.0% $370
$70,000 to $79,999 729 2.0% $430
$80,000 to $89,999 1,220 4.0% $478
$90,000 to $99,999 1,019 4.0% $537
$100,000 to $124,999 2,103 8.0% $633
$125,000 to $149,999 2,411 9.0% $788
$150,000 to $174,999 2,791 11.0% $932
$175,000 to $199,999 1,965 7.0% $1075
$200,000 to $249,999 3,656 14.0% $1290
$250,000 to $299,999 3,145 12.0% $1577
$300,000 to $399,999 3,419 13.0% $2007

Renters Insurance in Sanford

  • Average Renters Insurance in Sanford :  $123($10/month)

  • Median Gross Rent in Sanford :  $997

  • Sanford Renters Insurance to Median Rent Ratio:  1.0%

  • Renter occupied housing units in Sanford :  13,753

Sanford Renters Insurance as a Percentage of Rent

Sanford Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 308 2.0% $330
$200 to $299 142 1.0% $780
$300 to $499 757 5.0% $1230
$500 to $749 1,691 12.0% $1905
$750 to $999 3,708 28.0% $2655
$1,000 to $1,499 4,819 36.0% $3780
$1,500 or more 1,678 12.0% $5430

Rent Affordability in Sanford:

Approximately 49.0% (6,832) of households are spending more than 35% of their income on gross rent in Sanford

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,112 8.0%
15.0 to 19.9 percent 1,610 11.0%
20.0 to 24.9 percent 1,685 12.0%
25.0 to 29.9 percent 1,423 10.0%
30.0 to 34.9 percent 1,091 7.0%
35.0 percent or more 6,832 49.0%

Sanford Renters Insurance Discounts:

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

Number of Vehicles in Sanford, FL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 7,049 51.0% $12.3
2 vehicles available 4,242 30.0% $18.45
3 or more vehicles available 838 6.0% $24.6

Sanford Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 629 4.0% $99
60 to 64 years 795 5.0% $79
65 to 74 years 896 6.0% $64
75 years and over 829 6.0% $49

Protective device discount in Sanford Up to :  $18

Claims-free discount in Sanford Up to :  $24