The Villages Insurance Rates:

The Villages, FL home insurance is nearly $1,018 to $1,380, about $84-$115/month. Our exhaustive analysis shows customers can save as much as $480 by comparing different quotes

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The Villages Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $3850/12 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $195,000

3 Beds, 3 Bath 1410 sqft Vacation Property Constructed In 2012 with Stone Flooring, Composition Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Married Male who is Unemployed and has No Pets and is a Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2480/8 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $285,000

4 Beds, 4 Baths 2990 sqft Rental Property Constructed In 2013 with Carpet Flooring, Composition Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Deadbolt Locks, Indoor Sprinklers, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 550-599 Credit Score

Home Insurance Rate of $1970/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Baths 1730 sqft Rental Property Constructed In 2011 with Stone Flooring, Slate Shingles Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Fire Extinguisher, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $1010/2 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $410,000

4 Beds, 4 Baths 2940 sqft Seasonal Residence Constructed In 2001 with Linoleum, Composition Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fireplace, Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

45 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 :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

Home Insurance Rate of $3420/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $190,000

4 Beds, 4 Baths 1950 sqft Vacation Property Constructed In 2010 with Carpet over wood flooring, Membrane Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Single Male who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $2660/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $255,000

4 Beds, 4 Baths 1860 sqft Seasonal Residence Constructed In 2003 with Wood Flooring, Asphalt Shingles Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $1850/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $290,000

3 Beds, 3 Bath 2290 sqft Seasonal Residence Constructed In 2012 with Wood Flooring, Membrane Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Smoke Alarm, Deadbolt Locks, Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Single Female who has a Full Time Job with household income of $75-$100,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $1690/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $285,000

4 Beds, 4 Baths 2950 sqft Primary Residence Constructed In 2002 with Stone Flooring, Wood Shake Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, Smoke Alarm, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Divorced Female who has a Full Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

The Villages Rates & Quotes Analysis:

The Villages Area Estimated House Insurance
SE 84th Ct, SE 175th Columbia Pl, SE 170th Marchmont Pl, SE 70th Royal Pine Ct, SE 70th Avenue Rd, SE 87th Ave, SE 170th Humphreys Loop, SE 168th Kittredge Loop, SE 176 St, SE 96th Ct$1,173
SE 172nd St, SE 92nd Pelham Ave, SE 173rd Pl, SE 82nd Calumet Ave, SE 76th Caledonia Ter, SE 93rd Ave, SE 159th St, SE 108th Ter, SE 171st Harleston St, SE 171st Le Flore Ln$1,173
SE 95th Ct, SE 97th Ter, SE 170th Ln, SE 78th Draughton Ct, SE 82nd Bernwell Ct, SE 178th Madeline Ln, SE 177th Simons Ln, SE 151st Pl, SE 102nd Ter, SE 108th Ave$1,175
SE 81st Ct, SE 83rd Ave, SE 173rd Wisteria St, SE 85th Ct, SE 99th Ave, SE 179th Wesley St, SE 75th Wickson Ct, SE 72nd Deer Run Ave, SE 84th Peyton Ct, SE 96th Ter$1,175
SE 93rd Exeter Ct, SE 174th Clifton Pl, SE 91st Poplar Ter, SE 168th Maplesong Ln, SE 175 St, SE 91st Gaylark Ave, SE 170th Brampton St, SE 88th Ave, SE 168th Lone Oak Loop, SE 93rd Heyward Ave$1,175

Insurance rates are influenced by a number of factors including:

  • Year Built: 573 Homes (1% of total homes ) built between 2010 or later in The Villages are paying home insurance between $960-$1,080. Places close to The Villages, FL such as Horizon West, Lake Butler, Maitland are more expensive by $23, $182, $52 respectively while Lady Lake and Fruitland Park-Lady Lake are cheaper by $42 and $37 respectively for similar homes.
  • Bedrooms: 407 1 bedroom homes (1% of total homes ) in The Villages are paying about $672 in contrast with Silver Lake (+$3), Tangerine (+$16), Montverde (+$4), Lady Lake (-$40) and Fruitland Park (-$19).
  • Auto Insurance Bundling: 5,676 Households (20% of all households) in The Villages have 2 vehicles available and when it is bundled with home insurance you can save $240 compared to Lady Lake ($229), Fruitland Park ($233), Fruitland Park-Lady Lake ($230).
  • Senior Discounts: 26,842 seniors (more than 55 years) occupied housing units (98% of total) in The Villages get discounts between $179 to $182 compared to Lady Lake ($172), Fruitland Park ($174), Fruitland Park-Lady Lake ($173).
  • New Homes discounts: New homes such as the 34,886 homes built between 2000 to 2009 in The Villages can save $240 and varies from Lady Lake ($229), Fruitland Park ($233), Fruitland Park-Lady Lake ($230).

The Villages Homeowners insurance Facts

  • The Villages, FL has 27,142 owner occupied houses which is 96.6% of all units whereas Lady Lake, Fruitland Park and Fruitland Park-Lady Lake have 74.06%, 72.68% and 78.53% respectively.
  • The Villages, FL homeowners yearly insurance price at $1,200 is 0.56% of the typical house value of $213,900 which is in contrast with 0.89% in Lady Lake, 0.75% at Fruitland Park & 0.83% in Fruitland Park-Lady Lake.
  • Homeowners in The Villages, FL pay 6.86% of their income ($15,000 to $19,999) in insurance whereas homeowners in Lady Lake, Fruitland Park and Fruitland Park-Lady Lake pay 6.56%, 6.66% and 6.59% respectively.
  • The Villages, FL’s insurance is 7.9% of monthly housing costs of $1,274/month, for owners with a mortgage compared to 8.36% in Lady Lake, 7.09% at Fruitland Park & 7.7% in Fruitland Park-Lady Lake. But, for households without a mortgage, insurance is 21.8% of costs ($459 in The Villages, FL) in contrast with 24.4% in Lady Lake, 25.55% at Fruitland Park & 24.35% in Fruitland Park-Lady Lake.

The Villages, FL Home Values & Insurance rates

For example, insurance for 4,484 Homes (17.0% of total homes ) valued between $150,000 to $174,999 in The Villages, FL is about $900. Rates in nearby areas in such as Silver Lake, Yalaha, Tangerine are cheaper by $22, $206, $151 respectively while Lady Lake and Fruitland Park are costlier by $535 and $299 respectively for similar homes.

The Villages, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 688 2.0% $132
$100,000 to $124,999 484 1.0% $612
$125,000 to $149,999 1,972 7.0% $768
$150,000 to $174,999 4,484 17.0% $900
$175,000 to $199,999 3,748 14.0% $1044
$200,000 to $249,999 7,068 27.0% $1260
$250,000 to $299,999 4,159 16.0% $1536
$300,000 to $399,999 2,441 9.0% $1956

Renters Insurance in The Villages

  • Average Renters Insurance in The Villages :  $118($9/month)

  • Median Gross Rent in The Villages :  $1,310

  • The Villages Renters Insurance to Median Rent Ratio:  0.69%

  • Renter occupied housing units in The Villages :  951

The Villages Renters Insurance as a Percentage of Rent

The Villages Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 14 2.0% $1229
$500 to $749 18 2.0% $1904
$750 to $999 83 12.0% $2654
$1,000 to $1,499 327 50.0% $3779
$1,500 or more 205 31.0% $5429

Rent Affordability in The Villages:

Approximately 67.0% (640) of households are spending more than 35% of their income on gross rent in The Villages

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 26 2.0%
15.0 to 19.9 percent 101 10.0%
20.0 to 24.9 percent 92 9.0%
25.0 to 29.9 percent 64 6.0%
30.0 to 34.9 percent 28 2.0%
35.0 percent or more 640 67.0%

Protective device discount in The Villages Up to :  $17

Claims-free discount in The Villages Up to :  $23