Gainesville Insurance Rates:

Gainesville ,FL Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Gainesville, FL homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Gainesville, FL is $1950. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Gainesville, FL: Customer-Reviewed Options


Gainesville, FL Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Gainesville, FL. VHome Insurance will help you navigate the world of homeowners insurance coverages in Gainesville, FL.

Coverage Level Average Annual Premium
$100,000 $780
$200,000 $1,326
$300,000 $1,638
$400,000 $2,496
$500,000 $3,140


Gainesville, FL Homeowners Insurance Rates by ZIP Code

Home insurance costs in Gainesville can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
032603 $1,862
32606 $1,882
32608 $1,899
32607 $1,866
32605 $1,854
32653 $1,848
32601 $1,844
32641 $1,770
32609 $1,786


Gainesville, FL Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Gainesville, FL, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,999
$1000 Deductible $1,788
$1500 Deductible $1,687
$2500 Deductible $1,521
$5000 Deductible $1,287



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

Gainesville, FL Home Insurance Agents for Top Companies


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%

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

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

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
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