Tarpon Springs Insurance Rates:

Tarpon Springs, FL home insurance is nearly $1,008 to $1,368, about $84-$114/month. Our comprehensive guide shows customers can save upto $475 by comparing different quotes

Compare Quotes from Top Providers and Save now!

See Tarpon Springs, Florida Homeowners Insurance reviews to see who you can trust & compare the cheapest quotes.

Tarpon Springs Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $200/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $260,000

3 Beds, 3 Baths 1980 sqft Seasonal Residence Constructed In 1999 with Carpet Flooring, Slate Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Copper Water Pipes, Deadbolt Locks, Central Air Conditioning, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1080/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $315,000

5 Beds, 5 Bath 3070 sqft Primary Residence Constructed In 1997 with Carpet Flooring, Composition Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, Fire Extinguisher, Central Air Conditioning, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Divorced Female who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $1460/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Baths 1360 sqft Rental Property Constructed In 2002 with Hardwood Flooring, Membrane Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Smoke Alarm, Central Air Conditioning, Fireplace, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

53 Years old Single Female who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $1830/5 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $110,000

2 Beds, 2 Baths 1010 sqft Primary Residence Constructed In 1999 with Carpet Flooring, Tile Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Copper Water Pipes, Deadbolt Locks, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Tarpon Springs, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
34689 $176,900 $1,200

Tarpon Springs Rates & Quotes Analysis:

Tarpon Springs Area Estimated House Insurance
Suwanee Ave, Bailey Ct, Palmer Cir, Lake St George Dr, Riverview Dr, Ulelah Ave, Summit Way, Wood Bridge Ave, Shore Dr W, E Tessier Dr$1,191
Plymouth Ct, Grand Preserve Pl, Manning Rd, Highview Dr, Mildred Dr, Parkview Blvd, Pine Warbler Way S, Shannon Cir, Dove Ter, Elmwood Dr$1,170
Rolando Pl, Bay Lake Trl, Whitcomb Blvd, Maple Ridge Rd S, Maplewood Dr, Hickory Ln, Foxcroft Dr W, W Greenhollow Dr, Turtle Creek Cir, Birdie Cir$1,186
Mermoor Dr, Landon Ter, Ironwood Ct W, Countryshire Ln, Michaels Cir, Dale Pl, Saint Petersburg Dr E, Tower Dr, Pasaje Way, Illinois Ave$1,201
Shelly Dr, Sage Rd, Sussex Ct, Pebble Ct, Stable Trl, Biarritz Cir, Lawnwood Ct, Strathmore Ave, Fleeman Rd, Shore Drive Pl$1,171
Eagle Chase Blvd, N Walton Ave, Galliton Way, Lutea Pl, Cobbs Way, Franklin Ct, E Lemon St, Cameron Ct, Seagull Dr, S Levis Ave$1,157
Camphor Cir, Phillips Way, Marlborough St, Island Ave S, Co Rd 74, Silver Oak Dr, Raleigh Ct, Palmer Ct, Ermine Path, Brookside Ct$1,223
Foxboro Ct, Lisa Ln, Marion Dr, Steeple Ct, Lorraine St, Harbor Oaks Cir, E Citrus Way, Citrus Hill Ln, 17th St, Timber Bay Cir E$1,191
Kingsmill Ct, Sweetgum Pl, Onizuka Ct, Trout Ln, Morningside Ct, Arcadia Dr, Enisgrove Dr E, Bancroft Cir E, Gary Ct, Spring Tree Ct$1,177
Elmwood Dr, Beckett Way, E Dorchester Ct, Ridge View Ln, Dove Hollow Ct, Winding Willow Dr, Brunswick Cir, Oscar Hill Rd, E Lime St, Pheasant Ct$1,355

Insurance rates are influenced by a number of factors including:

  • Year Built: 12,660 Homes (18% of total) built between 1970 to 1979 in Tarpon Springs are paying home insurance between $1,928-$1,946 compared to East Lake (+$84), Safety Harbor (+$23), Keystone (+$121), Palm Harbor (-$11) and Holiday (-$107).
  • Bedrooms: 26,299 2 bedrooms homes (39% of total homes ) in Tarpon Springs are paying about $690. Areas near to Tarpon Springs such as East Lake, Safety Harbor, Trinity are costlier by $30, $8, $24 respectively whereas Palm Harbor and Holiday are more economical by $4, $38 respectively for similar homes.
  • Auto Insurance Bundling: 7,063 Households (16% of all households) in Tarpon Springs have 3 or more vehicles available and when it is bundled with home insurance you can save $297. Discounts for similar bundling in close by locations such as Palm Harbor, East Lake, Holiday come to $295, $310, $280 respectively.
  • Senior Discounts: 24,813 seniors (more than 55 years) occupied housing units (57% of total) in Tarpon Springs get discounts between $177 to $180. The comparative concessions in proximate regions such as Palm Harbor, East Lake and Holiday are $177, $186 and $168 respectively.
  • New Homes discounts: New homes such as the 24,248 homes built between 2000 to 2009 in Tarpon Springs can save $237 in contrast with Palm Harbor ($236), East Lake ($248), Holiday ($224).

Tarpon Springs Homeowners insurance Facts

  • Tarpon Springs, FL has 43,156 owner occupied houses which is 75.4% of all units whereas Palm Harbor, East Lake and Holiday have 75.2%, 78.74% and 68.56% respectively.
  • Tarpon Springs, FL homeowners yearly insurance price at $1,189 is 0.61% of the typical house value of $196,000 which is in contrast with 0.64% in Palm Harbor, 0.44% at East Lake & 1.28% in Holiday.
  • Homeowners in Tarpon Springs, FL pay 2.8% of their income ($40,000 to $44,999) in insurance whereas homeowners in Palm Harbor, East Lake and Holiday pay 2.78%, 2.92% and 2.64% respectively.
  • Tarpon Springs, FL’s insurance is 5.5% of monthly housing costs of $1,804/month, for owners with a mortgage compared to 5.88% in Palm Harbor, 4.79% at East Lake & 8.64% in Holiday. But, for households without a mortgage, insurance is 17.6% of costs ($562 in Tarpon Springs, FL) in contrast with 18.41% in Palm Harbor, 14.29% at East Lake & 30.99% in Holiday.

Tarpon Springs, FL Home Values & Insurance rates

For example, insurance for 4,736 Homes (12.0% of total homes ) valued between $150,000 to $174,999 in Tarpon Springs, FL is about $974. Rates in nearby areas in such as East Lake, Safety Harbor, Trinity are cheaper by $268, $96, $236 respectively while Palm Harbor and Holiday are costlier by $66 and $1,103 respectively for similar homes.

Tarpon Springs, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,445 6.0% $142
$50,000 to $59,999 666 1.0% $309
$60,000 to $69,999 1,004 2.0% $392
$70,000 to $79,999 1,110 2.0% $451
$80,000 to $89,999 1,224 3.0% $511
$90,000 to $99,999 1,214 3.0% $570
$100,000 to $124,999 3,356 8.0% $665
$125,000 to $149,999 2,750 7.0% $832
$150,000 to $174,999 4,736 12.0% $974
$175,000 to $199,999 3,654 9.0% $1129
$200,000 to $249,999 5,668 15.0% $1367
$250,000 to $299,999 4,420 11.0% $1664
$300,000 to $399,999 5,192 13.0% $2116

Renters Insurance in Tarpon Springs

  • Average Renters Insurance in Tarpon Springs :  $129($10/month)

  • Median Gross Rent in Tarpon Springs :  $1,044

  • Tarpon Springs Renters Insurance to Median Rent Ratio:  0.96%

  • Renter occupied housing units in Tarpon Springs :  14,069

Tarpon Springs Renters Insurance as a Percentage of Rent

Tarpon Springs Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 155 1.0% $332
$200 to $299 217 1.0% $782
$300 to $499 192 1.0% $1232
$500 to $749 1,398 10.0% $1907
$750 to $999 4,098 30.0% $2657
$1,000 to $1,499 5,027 37.0% $3782
$1,500 or more 2,323 17.0% $5432

Rent Affordability in Tarpon Springs:

Approximately 47.0% (6,625) of households are spending more than 35% of their income on gross rent in Tarpon Springs

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,130 8.0%
15.0 to 19.9 percent 1,749 12.0%
20.0 to 24.9 percent 1,665 11.0%
25.0 to 29.9 percent 1,482 10.0%
30.0 to 34.9 percent 1,418 10.0%
35.0 percent or more 6,625 47.0%

Tarpon Springs Renters Insurance Discounts:

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

Number of Vehicles in Tarpon Springs, FL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 7,405 52.0% $12.9
2 vehicles available 4,088 29.0% $19.35
3 or more vehicles available 895 6.0% $25.8

Tarpon Springs Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 1,036 7.0% $104
60 to 64 years 785 5.0% $83
65 to 74 years 1,414 10.0% $67
75 years and over 2,263 16.0% $52

Protective device discount in Tarpon Springs Up to :  $19

Claims-free discount in Tarpon Springs Up to :  $25