Melbourne Insurance Rates:

Melbourne, FL homeowners insurance is roughly $986 to $1,339, about $82-$111/month. Our exhaustive guide reveals consumers can save as much as $465 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Liberty Mutual
The premiums and deductibles of my company are pretty comparable to those offered by other companies. There are no significant differences between them.
Usaa
They are cheaper than other providers due to the military discount. This is a small repayment for our service to our country.
Esurance
I'd recommend them because of the inexpensive cost but as far as the coverage or anything else I haven't had to deal with the claims side of insurance yet.
State Farm
I would definitely recommend for all of your insurance needs. From the local office to filing a claim, they are always very helpful.
Usaa
This is our new home we thought it would be overwhelming to move and get a new home. But USAA helped us through the process and gave us great advice. I didn't dislike anything once I got over the nervousness of all the change
Liberty Mutual
Liberty mutual has a very user-friendly website which allows costumers to conveniently manage their accounts online. customers could make changes, provide updates, and pay premiums online. the website allows customers to request a claim quickly online with a response within 24 hours.
State Farm
I had them as my car insurance and as soon as i made a claim they tripled my rates even though i was not at fault, just the simple claim caused them to go up.
State Farm
State farm is a little bit more expensive than other insurance companies, although you get what you pay for.
Usaa
Overall I like my homeowner's insurance from USAA. The customer service is great and they make it easy to file claims. They do charge a bit more than other companies and sometimes they do try to add things on.
Usaa
I have never had any problem with them. They are quick to respond and seem to have my best interest in mind rather than denying claims.
State Farm
I am not inundated with materials or communication but I also do not feel like I am ignored or an afterthought to the company. Overall everything is fine
Tower Hill Insurance
It's fine, they send me bills, and I send them money. So far IÃḃ€™ve never made a claim so I can't rate them on how they would interact with me if I did have one. I don't know how they would interact with me.
Citizens Property Insurance
I wish the premium was lower, but it's covering $100,000. The agent said that is the usual procedure for a house of my value. I wanted it to help cover any damage to the roof, fencing, windows, and doors, but can't get those specific points.
Frontline Insurance
It was easy to get a quote and their quote was good compared to the other companies that I have gotten quotes from.
Travelers
My broker has hired her son, it seems and he does see the value in returning phone calls or emails. Very difficult to go around him. That is the broker. Safeco does a fine job of customer service.
Allstate
They charge too much for their products. They use credit scoring to price the insurance.
Usaa
There is nothing that I dislike regarding this company at this time because they have shown nothing but the kindest regard to myself and my family. If at any point in the future they were to sacrifice any of their morals for the sake of profit I would most certainly take up an issue.
Usaa
This is by far the best company I have ever done business with. I have checking, savings, and many other accounts with them along with insurance. They are awesome.
State Farm
Really, nothing. I like the company very much. The only changes I would like to see if lower premiums, but I think everyone feels this way regardless of what they pay
Esurance
Any time they need to be contacted, I do not have to wait very long and all of my issues have been resolved in the first contact. Their website and app are intuitive and easy to use.
Geico
if you want good customer service and overall a pleasant experience then this particular insurance company is good for you. but if you are in the market looking for cheaper options then there are other small companies that might fit your bill.
Nationwide
I really like this company because they have given us the opportunity to protect our home with a great quote. Our area is near wildlife and is near several trees, so it was a big concern for us to protect our home from forest fires.
Geico
I recommend it, it's the best for people who have few resources and help a lot
Frontline Insurance
I don't have any complaints, I wish our hurricane deductible was smaller, but I think that it is the industry standard so I'm not sure what else can be done about that.
Farmer's Insurance
They are very professional. They are very helpful. Communication with them is easy because I can email them and I receive a response within 24 hours.
Progressive
The only thing I dislike about the company is they might not always tell you whats required by your state for specific insurance coverages.
Travelers
Rates go up each year despite no claims. Have to continue to shop around for best bargain.

Melbourne, FL Homeowners Insurance By Home Value

Melbourne, FL Home Value Total Homes % of Total Average Melbourne, FL Homeowners Insurance
Less than $50,000 3,636 10.0% $186
$50,000 to $59,999 1,021 3.0% $395
$60,000 to $69,999 1,002 3.0% $488
$70,000 to $79,999 1,521 4.0% $569
$80,000 to $89,999 1,848 5.0% $639
$90,000 to $99,999 1,405 4.0% $721
$100,000 to $124,999 3,936 11.0% $825
$125,000 to $149,999 2,836 8.0% $1035
$150,000 to $174,999 4,117 12.0% $1232
$175,000 to $199,999 3,099 9.0% $1418
$200,000 to $249,999 3,819 11.0% $1709
$250,000 to $299,999 2,785 8.0% $2093
$300,000 to $399,999 2,205 6.0% $2663

Top Home Insurance Agents Near Melbourne, FL

Home Insurance Company Near Melbourne, FL Homeowners Insurance Agency Near Melbourne, FL Address
NA Buckingham Wheeler Agency, Inc. 2046 14Th Ave Vero Beach, Vero Beach, FL, 32960
NA Cobia Insurance Agency 8265 N Wickham Road Suite C , Melbourne, FL, 32940
Travelers Brightway Insurance Inc 4320 S BABCOCK ST STE 102, MELBOURNE, FL, 32901
Liberty Mutual Michael Barrios 13526 Village Park Drive Suite 222, Orlando, FL, 32837
Travelers Wayne W Eden Agency Inc 3240 DIXIE HWY NE, PALM BAY, FL, 32905

Melbourne, FL Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Melbourne, FL

Streets in Melbourne Area Homeowners Insurance Cost
Columbus Ave, Saint Theresas Way, Brockton Way, Live Oak Ln, Hidden Creek Rd, Charon Ave, Sunny Point Dr, Spring Oak Dr, Roberts St, Lagoon Ave$1,165
Beacon Rd, Joyal Dr, Air Terminal Pkwy, Potomac Dr, Irene St, Summerset Dr, Commercial Dr, Nancy St, Wildwood Dr, E Brevard Dr$1,114
Rouen Ave, Canby Dr, Saint James Ln, Hillside Ct, Eber Blvd, Hollister Dr, Caitlin Ct, Arcadia Ct W, Archer Ln, Florida Ave W$1,158
Newland Ct, Meadow Ct, Buffett Ln, Spinet Dr, Ave del Rio, Crescent Dr, Burdock Ave, Maxwell Dr, Susan Dr, Hampton Greens Blvd$1,186
White Heron Dr, Inverness Ave, Clayton Ave, Pickerel Ct, Par Ave, Seminole Ave, Indigo Way, Windward Dr, Sumter Ln, Bryan St$1,222
Barkley Ave, W Fee Ave, Pirate Ln, Joe Walker Dr, Greenway Dr, Stoney Point Rd, Fulton Ct, Radnor Dr, Lake in the Woods Dr, Oakwood Dr$1,113
Kristy Cir, Elder St, NW Valencia Rd, Thrush Dr, Selfridge Dr, Golf Isle Dr, Cape Palos Dr, Renner Ave, Marquis St, Rustic Ln$1,157
Melwood Dr, Canal St, Bridle Path, Queen Ter, Evans Rd, Irwin St, Harrison Ave, Lake View Cir, Redbud St, Oak Park Dr$1,153
Breeze Ridge Rd, Woody Burke Dr, Hibiscus St, Verona Cir, Swift St, East Dr, Empire Ave, Floral Palm Blvd, Coleman St, Barnsdale Dr$1,138
Aruba Dr, Horse Creek Cir, Polk St, E Nasa Blvd, Lowell Cir, Old Colonial Way, Bimini Ave, Brettswood Ln, James St, Ed Foster Rd$1,114

Melbourne, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Melbourne$174 to $176
Melbourne Village$180
June Park$175
Palm Shores$174

Melbourne, 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
Melbourne Village town, Florida $180 $240 $360
June Park CDP, Florida $176 $234 $351
Indian Harbour Beach city, Florida $180 $240 $360

Melbourne, 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
Melbourne, FL6.9%22.9%
Melbourne Village6.82%22.32%
June Park6.74%23.31%
Indian Harbour Beach5.37%19.07%

Melbourne Renters Insurance as a Percentage of Rent

Melbourne Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 443 3.0% $789
$300 to $499 664 4.0% $1239
$500 to $749 3,645 25.0% $1914
$750 to $999 4,888 33.0% $2664
$1,000 to $1,499 3,717 25.0% $3789
$1,500 or more 1,118 7.0% $5439

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Citizens Property Insurance $2,844
150,000 27 NO Security First Insurance $2,252
150,000 27 NO Southern Oak Insurance $2,931
150,000 27 NO Tower Hill Prime Insurance $2,386
150,000 27 NO Tower Hill Signature Insurance $2,511
150,000 27 YES Florida Peninsula Insurance $1,327
150,000 27 YES Universal Insurance $1,470
300,000 12 NA Asi Preferred Insurance $2,073
300,000 12 NA Federated National Insurance $2,190
300,000 12 NA Tower Hill Signature Insurance $2,294

Melbourne, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,400$4,400
Yearly Melbourne Homeowner Insurance Premium Example $5,900$4,900
Out of Pocket Expense During Claim$1,400$4,400
Total Home Insurance Premium for 4 years + Out of Pocket Expense for Claim $25,000$24,000
Net Savings to Melbourne Home Owner from High Deductible Plan $1,000

Melbourne, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Melbourne, FL Home Replacement Value MORE than Home Value Melbourne, FL Home Replacement Value LESS than Home Value
Replacement Value $113,500 $88,500
Insurance Premium based on Replacement Value $2,425 $1,875
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $13,000 Risk Exposure from Under Insuring Coverage is $12,000
Premium Impact Insurance cheaper by $275/year Insurance costlier by $275/year

Example Melbourne Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersState FarmLiberty Mutual
Monthly Premium 19226177
Year Built 200219962010
Home Details 3 Beds, 2 Baths5 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $100000-$125000$250000-$300000$50000-$75000
Deductible $500- $1000 Deductible$2500-$5000 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Melbourne, 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 185,000 Asphalt Shingles Roof 1,700 5 $500 Deductible 3680 12 Stucco siding yes
2008 150,000 Asphalt Shingles Roof 1,440 3 $2500-$5000 Deductible 1950 9 Vinyl siding No
1981 70,000 Slate Shingles Roof 930 2 $500- $1000 Deductible 950 7 Stucco siding yes
2005 155,000 Tile Roof 1,420 2 $1000-$2500 Deductible 1950 7 Stone Siding yes
2012 135,000 Metal Roof 1,630 3 $2500-$5000 Deductible 780 7 Stucco siding yes
1990 220,000 Shingles Roof 2,140 3 $5000 to $10,000 Deductible 330 1 Stucco siding yes
2013 160,000 Asphalt Shingles Roof 1,500 2 $1000-$2500 Deductible 2640 8 Wood siding No
1974 195,000 Membrane Roof 1,950 5 $500 Deductible 390 1 Brick siding yes
1975 230,000 Slate Shingles Roof 2,570 4 $1000-$2500 Deductible 4320 12 Wood siding No
1963 195,000 Shingles Roof 2,290 4 $500- $1000 Deductible 4790 12 Stone Siding No
1998 160,000 Wood Shake Roof 1,970 3 $500 Deductible 890 3 Fiber-Cement Siding No
2005 475,000 Tile Roof 4,870 5 $2500-$5000 Deductible 2190 3 Stucco siding yes
2014 425,000 Shingles Roof 4,030 5 $1000-$2500 Deductible 690 1 Brick siding yes
1970 190,000 Shingles Roof 2,230 3 $500 Deductible 1140 3 Wood siding yes
1992 130,000 Asphalt Shingles Roof 1,750 3 $2500-$5000 Deductible 230 1 Stone Siding yes
1974 115,000 Asphalt Shingles Roof 1,270 2 $500 Deductible 2250 10 Stone Siding No
2000 155,000 Slate Shingles Roof 1,380 2 $500 Deductible 1080 5 Wood siding yes
2007 345,000 Shingles Roof 4,660 5 $500 Deductible 4990 10 Brick siding yes
1996 425,000 Membrane Roof 4,590 5 $5000 to $10,000 Deductible 1960 4 Stone Siding No
1962 115,000 Asphalt Shingles Roof 1,080 2 $2500-$5000 Deductible 1520 10 Vinyl siding No
2013 180,000 Tile Roof 1,860 3 $2500-$5000 Deductible 720 3 Stone Siding yes
1972 190,000 Slate Shingles Roof 1,870 5 $2500-$5000 Deductible 2740 12 Stucco siding yes
1993 270,000 Shingles Roof 2,910 4 $500- $1000 Deductible 2360 4 Brick siding yes
2011 185,000 Tile Roof 1,780 2 $1000-$2500 Deductible 710 3 Stucco siding No
2005 245,000 Slate Shingles Roof 2,680 5 $2500-$5000 Deductible 4080 12 Brick siding yes
1988 115,000 Metal Roof 1,320 2 $500 Deductible 230 1 Stone Siding No
1983 135,000 Asphalt Shingles Roof 1,660 4 $500- $1000 Deductible 1410 7 Vinyl siding yes
2010 240,000 Membrane Roof 2,390 5 > $10,000 Deductible 2940 12 Stone Siding No
1990 150,000 Membrane Roof 1,980 3 $5000 to $10,000 Deductible 160 1 Wood siding yes
1960 110,000 Asphalt Shingles Roof 1,430 2 $500- $1000 Deductible 1600 8 Stone Siding yes
1988 135,000 Asphalt Shingles Roof 1,312 2 $500 Deductible 910 4 Wood siding No

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