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

The Insurance company Allstate is overall a very good company the overall policy. deductible offerings are very good compared to other insurance providers.
I would definitely recommend progressive insurance to others.The pricing is very inexpensive, and, the cheapest I have seen with comparable online insurance companies.
Assurant Specialty Property
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 had an easy time communicating with Progressive, and was offered reasonable rates with no red tape. I have never encountered difficulties with customer service or billing.
The customer service is great, my agent emails me monthly just to check in and make sure I'm happy with everything. I also get auto text messages asking if 'm happy with Allstate.
I would definitely recommend this company. It is up and coming so prices are very good, but they offer a free Notion system and appear to have good coverage.
A few of my neighbors have USAA and after a large hail storm they had no issues making claims to get their roofs fixed. As I mentioned earlier I have not had to make a claim fortunately but if I did I am certain I would receive fair treatment.
The insurance of my home is very good, when I have had some difficulty, or questions related to it, I have had the opportunity to solve them properly, the attention on line and by telephone call are always available.
State Farm
State Farm is friendly, easy to use, and they build good rapport. We use them as insurance for everything. I would rate them a 5.
Liberty Mutual
Overall I am satisfied with their offerings. The only issue I have had is that the cost of my premium has gone up.
Citizens Property Insurance
I have a broker who looks at all the insurance companies for me and figures out what is the best option for me. As of right now, Citizens is the best company for us.
State Farm
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
Liberty Mutual
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.
Citizens Property Insurance
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.
Citizens Property Insurance
I like that they keep me informed and keep track of my records accordingly when I ask.
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.
State Farm
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.
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.
State Farm
There is nothing so far I don't like about them BECAUSE IVE NEVER HAD TO FILE A CLAIM.
Liberty Mutual
I would recommend this company for home insurance. Their rates are fair. Our agent is responsive He always goes above and beyond when providing customer service.
Amica Mutual Insurance
I would recommend Amica because the premium is low and the benefits have been wonderful. The reps I have spoken with are kind and efficient.
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.
Farmer's Insurance
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.
People's Trust Insurance
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.

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

Gainesville, FL Home Insurance Agents for Top Companies

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

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

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

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
2006 340,000 Tile Roof 3,100 4 $1000-$2500 Deductible 5840 10 Fiber-Cement Siding yes
2000 145,000 Metal Roof 1,260 2 $2500-$5000 Deductible 1920 12 Stucco siding No
2004 110,000 Membrane Roof 1,090 2 $2500-$5000 Deductible 1500 12 Vinyl siding No
2002 195,000 Tile Roof 1,920 5 $500 Deductible 3070 10 Fiber-Cement Siding No
1990 385,000 Composition Roof 3,170 5 $500- $1000 Deductible 4980 9 Vinyl siding No
2012 140,000 Shingles Roof 1,300 2 $2500-$5000 Deductible 290 2 Brick siding No
1986 165,000 Slate Shingles Roof 1,860 4 $5000 to $10,000 Deductible 190 1 Wood siding No
2012 215,000 Composition Roof 1,900 5 $500 Deductible 430 1 Stone Siding yes
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

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