Sebring Insurance Rates:

Sebring, FL home insurance is nearly $959 to $1,304, about $79-$108/month. Our exhaustive analysis shows customers can save as much as $452 by comparing many quotes

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Sebring Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $1340/9 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Bath 1750 sqft Seasonal Residence Constructed In 1997 with Stone Flooring, Asphalt Shingles Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Married Male who is Retired with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2460/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $185,000

3 Beds, 3 Baths 2310 sqft Rental Property Constructed In 2007 with Hardwood Flooring, Shingles Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Deadbolt Locks, Indoor Sprinklers, Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $1060/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $165,000

4 Beds, 4 Baths 2240 sqft Primary Residence Constructed In 2012 with Carpet Flooring, Tile Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Swimming Pool, Copper Water Pipes, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $430/5 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

2 Beds, 2 Bath 1600 sqft Seasonal Residence Constructed In 2000 with Wood Flooring, Shingles Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Fireplace, Central Air Conditioning, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $3240/12 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

4 Beds, 4 Bath 1840 sqft Vacation Property Constructed In 2002 with Carpet Flooring, Membrane Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Deadbolt Locks, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $320/1 month for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $175,000

4 Beds, 4 Bath 2560 sqft Rental Property Constructed In 1996 with Carpet over wood flooring, Metal Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Fireplace, Indoor Sprinklers, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Single Male who is a Freelancer with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $1180/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

2 Beds, 2 Bath 1580 sqft Rental Property Constructed In 2014 with Ceramic Tile Flooring, Membrane Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Copper Water Pipes, Fire Extinguisher, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $550/5 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

2 Beds, 2 Bath 1280 sqft Seasonal Residence Constructed In 2010 with Stone Flooring, Slate Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Copper Water Pipes, Indoor Sprinklers, Central Air Conditioning, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Divorced Male who has a Full Time Job 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

  • Guests at home

Home Insurance Rate of $1670/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $115,000

2 Beds, 2 Bath 1390 sqft Vacation Property Constructed In 1991 with Hardwood Flooring, Slate Shingles Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Single Male who is Retired with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $860/12 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $60,000

2 Beds, 2 Bath 1020 sqft Rental Property Constructed In 2011 with Stone Flooring, Shingles Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Fireplace, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Divorced Female who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Smoker

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

  • 600-649 Credit Score

Home Insurance Rate of $1380/3 months for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $145,000

3 Beds, 3 Baths 2050 sqft Primary Residence Constructed In 1972 with Ceramic Tile Flooring, Composition Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Fire Extinguisher, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

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

  • 500-549 Credit Score

  • Guests at home

Sebring, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
33870 $81,500 $1,130
33872 $110,900 $1,140

Sebring Rates & Quotes Analysis:

Sebring Area Estimated House Insurance
N Ridgewood Dr, Tangelo St, Combee St, Atkins Rd, Ripley Dr, Tractor Rd, S Eucalyptus St, South Dakota Dr, Park Plz, Carrington Ave$1,100
Okinawa Ave, Co Rd 700, Bond Ave, Mattee Dr, Waterway Dr, Romeo St, Glenwood Ave, Lost Ball Dr, 8th St, Costa Brava Dr$1,107
Shelby St, Maravilla Ave, Parrot Ave, Sunset Ln, Silver Palm Dr, Oceanside Dr, Oak Rd, Winston Dr, Elm Pl, Queen Palm Ave$1,157
Lake Sebring Dr, N Lake Sebring Dr, Pleasant Ln, SW Lakeview Dr, Oceaster Ave, Rodeo Dr S, Bassage Rd, Snyder Rd, Contour St, Hawk Ave$1,138
Greenway Ter, Sunset Ct, Las Vegas Blvd, Benz Ter, Elson Ave, Newman Rd, Skipper Rd, Tern Ave, Gardenia Ter, Hawthorn Ln$1,110
Comet Ter, Oak Rd, West Virginia Dr, S Commerce Ave, 4th Ave, Robin Ln, Wrightman Ave, N Orange St, Lime St, Ulmann Dr$1,103
Poinsettia Ave, Crestview Dr, Amy Rd, Hartt Rd, Beech Ln, 1st Ave W, Ruby Ter, Bristol St, Doe Run, Queenswood Dr$1,161
Taseschee Dr, Lakeside Dr W, Alpine Ter, Blossom Dr, Limpkin St, Ymca Ln, Orange Ct, Vicki Dr, 7th St, US Hwy 27 N$1,162
14th St S, Andes Ct, Minerva St, Oxbow Dr, Tubbs Rd, Swan Ln, Max Ave, Cash St, Vicki Ter, Longwood Rd$1,110
Bunker Dr, Falcon Ave, Cardinal Rd, Greenway Pl, Strafford Oaks Dr, Manatee Dr, Park Crest Ter, Maya Ct, Swan Dr, Hollywood Blvd$1,154

Insurance rates are influenced by a number of factors including:

  • Year Built: 4,554 Homes (19% of total) built between 1990 to 1999 in Sebring are paying home insurance between $1,633-$1,650 and differs from Lake Placid (+$14), North Okeechobee (+$20), Hillcrest Heights (+$58), Frostproof (-$10) and Lemon Grove (-$66).
  • Bedrooms: 8,204 3 bedrooms homes (34% of total homes ) in Sebring are paying about $838. Areas near to Sebring such as Lake Placid, Zolfo Springs, Lemon Grove are costlier by $8, $12, $10 respectively whereas Avon Park and Frostproof are more economical by $4, $5 respectively for similar homes.
  • Auto Insurance Bundling: 1,466 Households (10% of all households) in Sebring have 3 or more vehicles available and when it is bundled with home insurance you can save $283. Discounts for similar bundling in close by locations such as Highlands County, Avon Park, Lake Placid come to $283, $281, $285 respectively.
  • Senior Discounts: 9,872 seniors (more than 55 years) occupied housing units (74% of total) in Sebring get discounts between $169 to $172. The comparative concessions in proximate regions such as Highlands County, Avon Park and Lake Placid are $170, $169 and $171 respectively.
  • New Homes discounts: New homes such as the 8,949 homes built between 2000 to 2009 in Sebring can save $226 and similar new home insurance discounts in nearby towns and cities like Highlands County, Avon Park and Lake Placid are $226, $225 and $228 respectively.

Sebring Homeowners insurance Facts

  • Sebring, FL has 13,340 owner occupied houses which is 76.6% of all units whereas Highlands County, Avon Park and Lake Placid have 78.46%, 78.36% and 82.05% respectively.
  • Sebring, FL homeowners yearly insurance price at $1,132 is 1.12% of the typical house value of $101,000 which is in contrast with 1.08% in Highlands County, 1.2% at Avon Park & 0.95% in Lake Placid.
  • Homeowners in Sebring, FL pay 9.06% of their income ($10,000 to $14,999) in insurance whereas homeowners in Highlands County, Avon Park and Lake Placid pay 9.07%, 9.02% and 9.14% respectively.
  • Sebring, FL’s insurance is 9.0% of monthly housing costs of $1,044/month, for owners with a mortgage compared to 8.57% in Highlands County, 7.99% at Avon Park & 8.57% in Lake Placid. But, for households without a mortgage, insurance is 28.0% of costs ($337 in Sebring, FL) in contrast with 27.71% in Highlands County, 26.91% at Avon Park & 28.07% in Lake Placid.

Sebring, FL Home Values & Insurance rates

For example, insurance for 589 Homes (4.0% of total homes ) valued between $80,000 to $89,999 in Sebring, FL is about $950. Rates in nearby areas in such as Highlands County, Lake Placid, Zolfo Springs are cheaper by $32, $140, $10 respectively while Avon Park and Frostproof are costlier by $64 and $107 respectively for similar homes.

Sebring, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 3,064 23.0% $271
$50,000 to $59,999 698 5.0% $577
$60,000 to $69,999 893 6.0% $724
$70,000 to $79,999 769 5.0% $837
$80,000 to $89,999 589 4.0% $950
$90,000 to $99,999 602 4.0% $1064
$100,000 to $124,999 1,396 10.0% $1222
$125,000 to $149,999 1,270 9.0% $1539
$150,000 to $174,999 1,267 9.0% $1811
$175,000 to $199,999 747 5.0% $2094
$200,000 to $249,999 738 5.0% $2524
$250,000 to $299,999 501 3.0% $3079
$300,000 to $399,999 365 2.0% $3916

Renters Insurance in Sebring

  • Average Renters Insurance in Sebring :  $191($15/month)

  • Median Gross Rent in Sebring :  $712

  • Sebring Renters Insurance to Median Rent Ratio:  2.11%

  • Average household size of renter-occupied unit :  2.46

Sebring Renters Insurance as a Percentage of Rent

Sebring Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 101 2.0% $347
$200 to $299 175 4.0% $797
$300 to $499 410 11.0% $1247
$500 to $749 1,246 34.0% $1922
$750 to $999 953 26.0% $2672
$1,000 to $1,499 656 18.0% $3797
$1,500 or more 66 1.0% $5447

Rent Affordability in Sebring:

Approximately 51.0% (2,092) of households are spending more than 35% of their income on gross rent in Sebring

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 413 10.0%
15.0 to 19.9 percent 306 7.0%
20.0 to 24.9 percent 359 8.0%
25.0 to 29.9 percent 417 10.0%
30.0 to 34.9 percent 487 11.0%
35.0 percent or more 2,092 51.0%

Protective device discount in Sebring Up to :  $28

Claims-free discount in Sebring Up to :  $38