Kissimmee ,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 Kissimmee, 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 Kissimmee, FL is $1963. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Kissimmee, FL. VHome Insurance will help you navigate the world of homeowners insurance coverages in Kissimmee, FL.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $785 |
| $200,000 | $1,335 |
| $300,000 | $1,649 |
| $400,000 | $2,513 |
| $500,000 | $3,160 |
Home insurance costs in Kissimmee 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 |
|---|---|
| 034747 | $1,960 |
| 34744 | $1,877 |
| 34746 | $1,880 |
| 34758 | $1,841 |
| 34741 | $1,845 |
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 Kissimmee, FL, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,013 |
| $1000 Deductible | $1,800 |
| $1500 Deductible | $1,698 |
| $2500 Deductible | $1,531 |
| $5000 Deductible | $1,296 |
| Home Insurance Company Near Kissimmee, FL | Homeowners Insurance Agency Near Kissimmee, FL | Address |
|---|---|---|
| NA | Aaa Insurance Agency | 783 S Orlando Ave , Winter Park, FL, 32789 |
| NA | Mitchell Insurance Agency, Inc. | 2929 Highland Rd Ste 1, Lakeland, FL, 33803 |
| Travelers | College Park Insurance | 3459 EDGEWATER DR, ORLANDO, FL, 32804 |
| Allstate | Scott Woodruff | 5445 Murrell Rd Ste 104, Viera, FL, 32955 |
| Liberty Mutual Independent | Williams-Hess Insurance | 1617 E GARY RD, LAKELAND, FL, 33801 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Campbell CDP, Florida | $139 | $185 | $278 |
| Loughman CDP, Florida | $141 | $187 | $281 |
| Celebration CDP, Florida | $163 | $217 | $326 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Kissimmee, FL | 6.4% | 20.5% |
| Campbell | 5.16% | 26.58% |
| Loughman | 9.07% | 21.59% |
| Celebration | 4.5% | 11.13% |
| Kissimmee Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 216 | 1.0% | $1242 |
| $500 to $749 | 2,330 | 12.0% | $1917 |
| $750 to $999 | 6,658 | 34.0% | $2667 |
| $1,000 to $1,499 | 7,453 | 38.0% | $3792 |
| $1,500 or more | 2,473 | 12.0% | $5442 |
| Streets in Kissimmee Area | Homeowners Insurance Cost |
|---|---|
| Vineland Rd, Harborside Ct, Winding Trl, Foster Dr, Wild Elm St, S Fruitloop Cir, Harris Park Way, Leafwood Ln, Newcombe Ln, Sunset Retreat | $1,182 |
| Ficus Tree Rd, Cranbrook Dr, Kansas Ave, Bond St W, Royalty Ct, Saint Tropez Ct, Milan Dr, Siena Park Blvd W, Billys Ter, San Rafael Way | $1,140 |
| Greene Sq, Harford St, Boca Palms Cir, Florida Plaza Blvd, Wyatt Pl, Prime Cir, Plum Blossom Ct, Christopher Ct, San Sebastian Dr, Alaqua Trl | $1,114 |
| S Rose Ave, Bartlet Dr, Dawes Ave, Almaton Loop, Owassa Ct, Doncaster Ct, W Verona St, Loxahatchee Ct, Pine Top Ln, Dyer Blvd | $1,171 |
| Alicia Ridge Ct, N Easy St, Kauai Trl, Brack St, Oberry Rd, W Keen St, Wesley Ct, Rosaro Ct, Titian Ct, Arrow Dr | $1,156 |
| Celebration Blvd, Bryce Canyon Dr, Fairhaven Ave, Avon Blvd, Bruce St, N Dillingham Ave, Tallahassee Blvd, White Moss Ln, Iris Ct, Embrun Ct | $1,146 |
| Sue Dr, E Magnolia St, Accord Ter, W Monument Ave, Dara Cay Dr, Mars Ln, Emperors Orchid Ct, Orange Ln, Evergreen Forest Loop, Blake Blvd | $1,140 |
| N Old Dixie Hwy, Jolene Ct, Escondido Ct, Greenbrook Ave, Banks Rose St, Primrose Dr, Toledo Ct, Eton Ct, Mango St, Banbury Pl | $1,194 |
| Forester Ct, Yellowgold Rd E, Ellsworth Ct, Polynesian Isle Blvd, Jacaranda Ln, San Jose Ct, Wells Ave, E Carroll St, Spigold Ct, Washington Ave | $1,140 |
| Bonfire Beach Dr, Santa Maria Dr, Serenity Bnd, Sunset Lakes Blvd, Dieppe Pl, Vintage St, Vaquero Ln, N Corsair Ave, Oahu Way, Perpignan Ct | $1,110 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Kissimmee | $172 to $175 |
| Campbell | $166 |
| Loughman | $169 |
| Celebration | $196 |
| Home value ($) | Age of home (years) | Wind mitigation | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150,000 | 27 | NO | Asi Preferred Insurance | $1,918 |
| 150,000 | 27 | NO | Security First Insurance | $1,590 |
| 150,000 | 27 | NO | Tower Hill Prime Insurance | $1,702 |
| 150,000 | 27 | NO | Tower Hill Select Insurance | $1,787 |
| 150,000 | 27 | YES | State Farm Florida Insurance | $1,850 |
| 150,000 | 27 | NO | Federated National Insurance | $2,329 |
| 150,000 | 27 | NO | Florida Family Insurance | $1,745 |
| 150,000 | 27 | NO | Safeway Property Insurance | $1,868 |
| 150,000 | 27 | NO | Southern Oak Insurance | $1,635 |
| 150,000 | 27 | NO | Tower Hill Prime Insurance | $1,702 |
| 150,000 | 27 | NO | Tower Hill Select Insurance | $1,787 |
| 150,000 | 27 | YES | Castle Key Indemnity Company Insurance | $1,759 |
| 150,000 | 27 | YES | Citizens Property Insurance | $913 |
| 300,000 | 12 | NA | American Traditions Insurance | $1,252 |
| 300,000 | 12 | NA | Citizens Property Insurance | $1,915 |
| 300,000 | 12 | NA | Florida Family Insurance | $2,103 |
| 300,000 | 12 | NA | American Traditions Insurance | $1,252 |
| 300,000 | 12 | NA | Asi Preferred Insurance | $1,688 |
| 300,000 | 12 | NA | Security First Insurance | $1,997 |
| 300,000 | 12 | NA | Tower Hill Preferred Insurance | $1,709 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,600 | $7,600 |
| Yearly Kissimmee Homeowner Insurance Premium Example | $3,100 | $2,100 |
| Out of Pocket Expense During Claim | $1,600 | $7,600 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $23,300 | $22,300 |
| Net Savings to Kissimmee Home Owner from High Deductible Plan | $1,000 | |
| Scenario | Kissimmee, FL Home Replacement Value MORE than Home Value | Kissimmee, FL Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $194,500 | $133,000 |
| Insurance Premium based on Replacement Value | $3,175 | $2,175 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $21,500 | Risk Exposure from Under Insuring Coverage is $40,000 |
| Premium Impact | Insurance cheaper by $650/year | Insurance costlier by $350/year |
| Insurance Company | Chubb Group of Insurance | Allstate | Liberty Mutual |
| Monthly Premium | 165 | 216 | 273 |
| Year Built | 2007 | 1990 | 2010 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 1 Baths | 5 Beds, 1 Baths |
| Coverage Amount | $125000-$150000 | $200000-$250000 | $300000-$350000 |
| Deductible | $1000-$2500 Deductible | $5000 to $10,000 Deductible | > $10,000 Deductible |