Trenton Insurance Rates:

Trenton, FL home insurance is approximately $963 to $1,310, about $80-$109/month. Our exhaustive guide reveals consumers can save upto $454 by comparing multiple quotes

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Trenton Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Chubb Group of Insurance
Home Insurance Rate of $4370/9 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $315,000

5 Beds, 5 Bath 4010 sqft Primary Residence Constructed In 2006 with Carpet Flooring, Metal Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

37 Years old Single Male who has a Full Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

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

  • 650-699 Credit Score

Home Insurance Rate of $2880/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Bath 1890 sqft Rental Property Constructed In 1990 with Carpet Flooring, Slate Shingles Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Divorced Male who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $640/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $175,000

3 Beds, 3 Bath 2230 sqft Rental Property Constructed In 2003 with Ceramic Tile Flooring, Shingles Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Central Air Conditioning, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Divorced Female who is Retired with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $860/8 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $95,000

3 Beds, 3 Baths 1300 sqft Vacation Property Constructed In 1983 with Hardwood Flooring, Tile Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Smoke Alarm, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Divorced Female who is Unemployed and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $830/5 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $145,000

3 Beds, 3 Bath 1780 sqft Vacation Property Constructed In 1983 with Wood Flooring, Membrane Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Smoke Alarm, Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 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 $890/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $335,000

5 Beds, 5 Bath 4410 sqft Primary Residence Constructed In 1991 with Ceramic Tile Flooring, Slate Shingles Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $540/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

4 Beds, 4 Baths 2400 sqft Rental Property Constructed In 2000 with Carpet over wood flooring, Wood Shake Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Smoke Alarm, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Single Female who is Unemployed and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $1320/12 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $115,000

4 Beds, 4 Bath 1850 sqft Vacation Property Constructed In 1990 with Wood Flooring, Metal Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Fireplace, Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Divorced Female who is a Freelancer with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Trenton, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
32693 $97,800 $1,130

Trenton Rates & Quotes Analysis:

Trenton Area Estimated House Insurance
SE 22nd Ln, SE 81st Ln, SW 6th Ave, NE 6th St, SE 82nd Ln, NE 71st Ave, SE 60th Ave, SW 76th St, NE 65th Ave, Ohio St$1,145
NE 15th St, SW 84th Pl, SW 53rd Ln, Co Rd 2085, N East 16th St, SE 81st Pl, SE 11th Ter, SW 15th St, SW 65th Ave, SW 298th St$1,126
SW 82nd Ter, SW 56th Ave, SE 4th St, NE 25th St, NE 51st Ter, NE 48th Ave, NE 5th Ave, SE 100th St, SW 60th St, State Hwy 26$1,151
SW 2nd Ave, NE 5th Ter, SE 45th St, NE 72nd Trl, NE 51st Ave, NE 55th St, SE 46th Way, Co Rd 307-A, SW 36th St, SE 79th Ct$1,122
SW Co Rd 307A, SE 55th Trl, Co Rd 212, Spring Run Rd, SW 19th Cir, SE 77 Ave, SW Co Rd 334A, SE 86th Ave, SE 9th Ave, S Co Rd 232$1,182

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,341 Homes (29% of total) built between 1990 to 1999 in Trenton are paying home insurance between $1,639-$1,656 and varies from Newberry (+$47), Newberry-Archer (+$70), Alachua (+$75), Fanning Springs (-$28) and Andrews (-$16).
  • Bedrooms: 926 2 bedrooms homes (20% of total homes ) in Trenton are paying about $659 and differs from Andrews (+$5), Newberry (+$20), Newberry-Archer (+$29), Fanning Springs (-$11) and Manatee Road (-$8).
  • Auto Insurance Bundling: 735 Households (23% of all households) in Trenton have 3 or more vehicles available and when it is bundled with home insurance you can save $284 in contrast with Gilchrist County ($283), Bell ($283), Spring Ridge ($284).
  • Senior Discounts: 1,599 seniors (more than 55 years) occupied housing units (51% of total) in Trenton get discounts between $169 to $171 in contrast with Gilchrist County ($170), Bell ($169), Fanning Springs ($167).
  • New Homes discounts: New homes such as the 2,219 homes built between 2000 to 2009 in Trenton can save $227 and differs from Gilchrist County ($227), Bell ($226), Spring Ridge ($227).

Trenton Homeowners insurance Facts

  • Trenton, FL has 3,109 owner occupied houses which is 79.1% of all units whereas Gilchrist County, Bell and Spring Ridge have 81.02%, 84.79% and 100.0% respectively.
  • Trenton, FL homeowners yearly insurance price at $1,136 is 1.04% of the typical house value of $109,200 which is in contrast with 1.06% in Gilchrist County, 1.12% at Bell & 1.01% in Spring Ridge.
  • Homeowners in Trenton, FL pay 1.51% of their income ($75,000 or more) in insurance whereas homeowners in Gilchrist County, Bell and Spring Ridge pay 1.51%, 1.51% and 1.52% respectively.
  • Trenton, FL’s insurance is 8.8% of monthly housing costs of $1,072/month, for owners with a mortgage compared to 9.41% in Gilchrist County, 10.29% at Bell & 14.08% in Spring Ridge. But, for households without a mortgage, insurance is 27.7% of costs ($342 in Trenton, FL) in contrast with 28.92% in Gilchrist County, 30.14% at Bell & 21.33% in Spring Ridge.

Trenton, FL Home Values & Insurance rates

For example, insurance for 82 Homes (2.0% of total homes ) valued between $125,000 to $149,999 in Trenton, FL is about $1,420. Rates in nearby areas in such as Newberry, High Springs, Newberry-Archer are cheaper by $439, $439, $567 respectively while Gilchrist County and Bell are costlier by $32 and $119 respectively for similar homes.

Trenton, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 749 24.0% $249
$50,000 to $59,999 97 3.0% $545
$60,000 to $69,999 128 4.0% $670
$70,000 to $79,999 81 2.0% $772
$80,000 to $89,999 201 6.0% $874
$90,000 to $99,999 133 4.0% $976
$100,000 to $124,999 449 14.0% $1136
$125,000 to $149,999 82 2.0% $1420
$150,000 to $174,999 372 12.0% $1681
$175,000 to $199,999 136 4.0% $1942
$200,000 to $249,999 305 10.0% $2340
$250,000 to $299,999 152 5.0% $2862
$300,000 to $399,999 113 3.0% $3635

Renters Insurance in Trenton

  • Average Renters Insurance in Trenton :  $186($15/month)

  • Median Gross Rent in Trenton :  $721

  • Trenton Renters Insurance to Median Rent Ratio:  2.08%

  • Average household size of renter-occupied unit :  2.94

Trenton Renters Insurance as a Percentage of Rent

Trenton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 18 2.0% $346
$200 to $299 48 6.0% $796
$300 to $499 69 9.0% $1246
$500 to $749 272 36.0% $1921
$750 to $999 197 26.0% $2671
$1,000 to $1,499 116 15.0% $3796
$1,500 or more 20 2.0% $5446

Protective device discount in Trenton Up to :  $27

Claims-free discount in Trenton Up to :  $37