Gainesville Insurance Rates:

Gainesville, FL homeowners insurance is approximately $998 to $1,353, about $83-$112/month. Our detailed analysis indicates shoppers can save as much as $470 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Frankenmuth Insurance
Communicating with frankenmuth insurance is a positive experience. the customer service is more than adequate with operators available 24 hours a day, 7 days a week. the policy declaration comes in a timely manner and it is clear, concise, and "user-friendly".
State Farm
Another thing i do not like is the limited amount of things that are covered. some sewer issues are not even covered.
Nationwide
They have really good customer service and i love talking to my local representatives about the different things very good company

Gainesville, FL Homeowners Insurance By Home Value

Gainesville, FL Home Value Total Homes % of Total Average Gainesville, FL Homeowners Insurance
Less than $50,000 1,739 6.0% $164
$50,000 to $59,999 416 1.0% $352
$60,000 to $69,999 615 2.0% $435
$70,000 to $79,999 534 2.0% $493
$80,000 to $89,999 1,224 4.0% $564
$90,000 to $99,999 1,077 4.0% $635
$100,000 to $124,999 2,961 11.0% $740
$125,000 to $149,999 2,835 10.0% $917
$150,000 to $174,999 3,257 12.0% $1093
$175,000 to $199,999 2,615 9.0% $1258
$200,000 to $249,999 4,041 15.0% $1517
$250,000 to $299,999 2,329 8.0% $1846
$300,000 to $399,999 2,890 10.0% $2352

Top Home Insurance Agents Near Gainesville, FL

Home Insurance Company Near Gainesville, FL Homeowners Insurance Agency Near Gainesville, FL Address
NA Atwood Insurance Agency, Inc. 14300 Sw 36 Ave Road Ste A , Ocala, FL, 34473
NA Davis Insurance Agency, Inc. 1251 Ne 2Nd St, Ocala, FL, 34470
Travelers Brightway Insurance Inc 203 N Orange Ave , Green Cove Springs, FL, 32043
Allstate Heritage Ins Inc 388 Hwy 40 W, Inglis, FL, 34449
Travelers Lewis & Lewis Insurance Agency Inc 1313 W US HWY 90, LAKE CITY, FL, 32055

Cost Of Homeowners Insurance By Street Near Gainesville, FL

Streets in Gainesville Area Homeowners Insurance Cost
Co Rd 9, SW 49th Pl, SW 84th St, S W 83rd Way, NE 20th Ter, SW 19th Ave, NW 91st Dr, NE 45 Ter, SW 51 Ter, SE 135 Ter$1,152
SW 11 St, SW 100th St, SW 25th Pl, SW 17th Ct, 61st Ave, NW 117th Way, NW 26 Way, SW 22 Rd, SW 63 Ct, NW 55 Ter$1,240
NE 19th Dr, SW 47 St, SW 40th St, SW 79 Dr, SW 64th Ter, SW 21th Pl, SW 15 Pl, NE 9th Ter, NW 39 St, SW 113 Way$1,140
SE 122 Ln, NW 29 Ln, SE 17 Dr, NE 21st St, SW 99 St, NW 45 Ave, SW 51 Ln, SW 20 Ter, NW 9 Blvd, SE 9 Ave$1,137
36th St, NW 140 Ter, SE 4th Pl, 117th Ter, SW 33rd Pl, SE 8th Ave, NW 111 Dr, SW 25 Ter, SW 1st Pl, SE 19 Ave$1,193
SW 44 Ave, SW 23rd Ave, Co Rd 40C, SW 49 Pl, SW 83 Way, NE Bay Ave, SW 69th Ave, SW 68 Ter, NW 4th Blvd, SW 56 Ave$1,222
Old Archer Rd, SW 11 Ln, SW 28th Ave, 15th Ter, NW 22nd Ave, NW 7 Ter, NE 24 Ave, NE 19th St, SW 84 St, NW 68th Ter$1,137
SW 54 Ave, NW 41st Ter, NW 19th Ave, Co Rd 346, NW 16th Ln, SE 22 Pl, SW 19 St, NE 35th Ave, N W 10th Ln, NW 53 Pl$1,200
NW 23 Blvd, NW 82nd St, NE 4 St, SE 1 St, NW 59th Pl, SE 73rd Dr, SE 101st Ave, S W 52nd Rd, NE 71st St, SE 61st Ave$1,136
SW 42nd Dr, SW 98th Dr, SW 9th Ln, Pine St, SW 109th Pl, S W 46th Ln, SW 43 Ter, Fraternity Dr, 93rd Way, SW 91 Ct$1,229

Gainesville, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Gainesville$175 to $178
Alachua County$176
Micanopy$172
Alachua$178

Gainesville, FL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Alachua County, Florida $176 $235 $353
Micanopy CCD, Alachua County, Florida $173 $230 $345
Alachua city, Florida $178 $237 $356

Gainesville, FL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Gainesville, FL6.8%19.6%
Alachua County6.69%22.04%
Micanopy7.96%22.46%
Alachua6.14%25.71%

Gainesville Renters Insurance as a Percentage of Rent

Gainesville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 614 1.0% $785
$300 to $499 1,854 5.0% $1235
$500 to $749 8,979 25.0% $1910
$750 to $999 10,613 29.0% $2660
$1,000 to $1,499 9,355 26.0% $3785
$1,500 or more 4,080 11.0% $5435

Average Cost Of Home Insurance By Company In Areas Nearby Gainesville For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Asi Preferred Insurance $1,157
150,000 27 NO First Community Insurance $1,316
150,000 27 NO Stillwater Property And Casualty Insurance $1,016
150,000 27 NO Tower Hill Prime Insurance $1,101
150,000 27 NO Tower Hill Select Insurance $1,385
150,000 27 NO Tower Hill Signature Insurance $1,610
150,000 27 YES American Integrity Insurance $1,047
150,000 27 YES American Traditions Insurance $824
150,000 27 YES Auto Club Insurance $1,442
150,000 27 YES First Protective Insurance $988
150,000 27 YES Security First Insurance $816
150,000 27 YES Stillwater Property And Casualty Insurance $784
150,000 27 YES Tower Hill Select Insurance $958
300,000 12 NA Citizens Property Insurance $1,470
300,000 12 NA Federated National Insurance $1,633
300,000 12 NA Florida Family Insurance $1,728
300,000 12 NA Safeway Property Insurance $1,063
300,000 12 NA Stillwater Property And Casualty Insurance $954
300,000 12 NA Tower Hill Preferred Insurance $1,362
300,000 12 NA Tower Hill Select Insurance $1,229

Gainesville, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$6,700
Yearly Gainesville Homeowner Insurance Premium Example $6,000$4,800
Out of Pocket Expense During Claim$700$6,700
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $36,700$35,500
Net Savings to Gainesville Home Owner from High Deductible Plan $1,200

Gainesville, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Gainesville, FL Home Replacement Value MORE than Home Value Gainesville, FL Home Replacement Value LESS than Home Value
Replacement Value $125,000 $85,500
Insurance Premium based on Replacement Value $2,425 $1,650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $27,000 Risk Exposure from Under Insuring Coverage is $12,500
Premium Impact Insurance cheaper by $250/year Insurance costlier by $525/year

Example Gainesville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceState FarmChubb Group of Insurance
Monthly Premium 253318223
Year Built 198719752012
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths2 Beds, 1 Baths
Coverage Amount $200000-$250000$300000-$350000$125000-$150000
Deductible $1000-$2500 Deductible> $10,000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Gainesville, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2013 285,000 Wood Shake Roof 2,320 5 $2500-$5000 Deductible 3090 10 Vinyl siding No
1982 180,000 Membrane Roof 1,690 3 $500- $1000 Deductible 1870 8 Brick siding yes
1971 210,000 Slate Shingles Roof 1,750 4 $1000-$2500 Deductible 1310 5 Fiber-Cement Siding No
2012 210,000 Membrane Roof 2,260 5 $1000-$2500 Deductible 1770 5 Wood siding No
2012 125,000 Wood Shake Roof 1,370 2 $500 Deductible 410 2 Wood siding yes
1976 190,000 Tile Roof 1,570 3 $500 Deductible 2630 6 Stone Siding No
2000 205,000 Composition Roof 2,340 5 $5000 to $10,000 Deductible 2300 9 Fiber-Cement Siding No
1992 150,000 Membrane Roof 1,710 2 $2500-$5000 Deductible 2040 9 Vinyl siding yes
1967 145,000 Membrane Roof 1,843 3 $1000-$2500 Deductible 1210 4 Vinyl siding yes