Gainesville, FL Home Insurance - Analysis On Quotes, Rates & Agents
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.
Latest Home Insurance Reviews
USAA provides fast and friendly service. Anything I need to do, I can usually accomplish in the app. Between their app and customer service, I don't understand why anyone who could use USAA would choose not to.
The company is reorganizing its leadership, and we don't know exactly how that will play out. Our local agent has said that power will shift away from local agents towards a headquarters group.
There is nothing so far I don't like about them BECAUSE IVE NEVER HAD TO FILE A CLAIM.
For the most part with the car and home insurance, there haven't been that many problems. One surrounded how they handled a car accident but I have no claims on my homeowner's insurance so I can't talk about that.
I only dislike that I have to go into the office sometimes to talk to an agent. The local agents are more capable to handle our local situation, than the nationwide call center that is not located in my part of the country.
Reps have lots of knowledge about their product and offer one on one understanding of it
All State is a great company. I never have had an issue with All State. Great customer service and a great company all together.
Another thing i do not like is the limited amount of things that are covered. some sewer issues are not even covered.
They have really good customer service and i love talking to my local representatives about the different things very good company
Their website is updated and extremely easy to navigate. the font is the perfect size and type to be able to easily read. their navigation menu nicely pulls up on the side and is very clear.
I like that they are willing to work with me in ensuring that my home is covered for what it is worth and showing me the lowest prices available. I like that my policy was bundled with life and auto and was able to be at a lower cost to me overall. The customer service was friendly as well.
From my experience, and that of others I know, overfilling seems to be a real trend with Geico.
I don't really have anything I dislike about the company. The premium is a bit higher, but the service this far had been much better than state farm.
When I first signed up, they took almost 2 weeks to send me a letter telling me about the space heater clause, when they could have called me on the phone the same day. Then there was a mix up with the payments, and when I was a day late on the payment, they canceled my policy, again by mail, and I didn't find out for almost a week. They had my phone number and email, but I felt like I was improperly informed.
Very friendly service and they get back to you as soon as possible. Our agent is like a longtime friend and he does what he can to get us the best rates.
They are always friendly and happy to help with claims. They give me the advice to help with my specific situation rather than helping what is best for the company.
I do not dislike State Farm at all. My only negative is that I was unaware that there was a cap as to the amount I was paid for my flooded basement. I think that detail should have been explained to me when I signed up with State Farm.
They really are great. They have been there for me for over 2 years, and I am satisfied. I can't say there is anything I hate about them. They try hard for me.
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
|Place||Savings For Senior Occupied Homes|
|Gainesville||$175 to $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
|Place||Home insurance as a % of housing cost for homes with mortgage||Home insurance as a % of housing cost for homes without mortgage|
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 Deductible||High Deductible|
|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|
|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 Insurance||State Farm||Chubb Group of Insurance|
|Home Details||3 Beds, 2 Baths||4 Beds, 3 Baths||2 Beds, 1 Baths|
|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|
|1990||265,000||Slate Shingles Roof||2,370||3||$500- $1000 Deductible||3750||8||Vinyl siding||No|
|1977||210,000||Membrane Roof||2,380||3||> $10,000 Deductible||990||6||Brick siding||No|
|1983||215,000||Shingles Roof||2,150||4||$2500-$5000 Deductible||720||3||Vinyl siding||No|
|1977||275,000||Shingles Roof||2,590||4||$2500-$5000 Deductible||1830||4||Vinyl siding||yes|
|1986||80,000||Shingles Roof||930||2||$500- $1000 Deductible||970||8||Vinyl siding||No|
|2006||295,000||Asphalt Shingles Roof||2,670||5||$5000 to $10,000 Deductible||2890||9||Brick siding||yes|
|2011||330,000||Tile Roof||3,180||4||$500- $1000 Deductible||3220||6||Stone Siding||No|
|2011||180,000||Metal Roof||1,580||3||$500 Deductible||3280||12||Vinyl siding||yes|
|2013||350,000||Membrane Roof||3,360||5||$500- $1000 Deductible||570||1||Brick siding||No|
|2003||270,000||Asphalt Shingles Roof||3,090||5||$5000 to $10,000 Deductible||2730||10||Wood siding||No|
|2010||310,000||Metal Roof||2,580||5||$2500-$5000 Deductible||1430||3||Brick siding||yes|
|1978||130,000||Wood Shake Roof||1,110||2||$1000-$2500 Deductible||210||1||Stone Siding||No|
|1975||440,000||Shingles Roof||4,590||5||> $10,000 Deductible||3340||9||Fiber-Cement Siding||No|
|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|