Ocala Insurance Rates:

Ocala, FL homeowners insurance is about $971 to $1,317, about $80-$109/month. Our detailed research shows customers can save as much as $457 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

The home policy company offers all of the typical Home Insurance items, and also has a very positive reviews from current clients.Other companies we looked at got a lot of bad reviews saying.
I would recommend USAA to anyone that can qualify for USAA. They have good customer service and are reliable when needed.
Security First Home Insurance
I might recommend Security First for someone with a newer home, but for my own home (built 1959) I feel that the premium and deductible are high.
State Farm
They did not have many packages for home insurance - sure the packages included different things but in bulk there were only like 2 - 3 options.
I was able to select my deductibles from a few options. This seems pretty standard among all the insurance companies I have had in the past.
I am completely satisfied with the offerings of USAA compared to other providers. I have shopped around before, but have never been fully tempted to leave. The trade offs (be it cost or other features) are not currently worth it.
From what other people have told me my premium and deductible are about the same-they offer different deductible amounts as do other companies and bundle discounts.
State Farm
We would recommend the policy because of the very helpful agent and good terms. However they should compare prices to other companies.
Citizens Property Insurance
i had better insurance providers, they just do what they need to do.......they don't cover very much, but charge like they do, there are better options out there
American Integrity Insurance
My premium is a little higher than other people that I know, but where I live in Florida it can be hard to get coverage, so I have to take what is being offered to me. I would like to pay less in the future.
Liberty Mutual
Overall I am very satisfied with the level of customer service. I have has no problems and any questions or concerns are addressed in a timely manner.
State Farm
Another positive about the state farm insurance company is that they send us email reminders when a bill is due.
My longtime agent retired and the new agent never contacted me to introduce themselves or offer any service to find out if am satisfied with the new agency that is servicing my policy.
State Farm
Finally, instead of spending big bills and huge amounts dollars, they help you save your money for your special needs.
Geico has made it very easy to bundle my Home and Auto insurance. Being able to bundle both insurances has helped to slightly reduce my monthly payments.
I think the premium is pretty much in the same ball park as the other companies out there. I personally don't see much of a difference if any when comparing different company premiums.
The people at USAA are always super friendly and sincere. They don't seem to hate their jobs and are sincerely nice when you call them. They will actually have a conversation with you regarding your query and will always tell you to have a nice day before you hang up. It is easy to reach them as well
Security First Home Insurance
They're relatively inexpensive for us living near the coast and didn't have too many requests for changes before accepting the insurance.
Assurant Specialty Property
They do not harass me. I will get a few emails and rarely a piece of mail. I really enjoy that.
Assurant Specialty Property
They have very reasonable rates to begin with. We had a water damage claim and it was handled immediately and professionally. The agent assigned to our case was always available for any concerns we had.
Stillwater Insurance Group
So far the interaction/communication has not been a problem.
The USAA customer service is top notch. I don't know is there an insurance company out there that can match USAA in terms of accommodating its members. There's a saying that "USAA members are members for life" I agree with that statement 100%. I will never leave this insurance company.
Anytime we call and have a question our agent is always very thorough and if he isn't available when we call he calls back quickly
Their telemarketers trying to get you to change policy/upgrade and sell you more stuff is upsetting. But overall they've been fine. Sometimes I've waited up to an hour to get through to someone too.
State Farm
The company is very reputable and I am sure that they will go out of their way to help me when I need it the most.
In addition to great online services and customer service, I have all of my financial and insurance accounts with USAA: homeowners insurance, car insurance, rental property insurance, bank (checking and savings, and investment.
Tower Hill Insurance
The company is easy to deal with and the people there are friendly. I'm happy with my premium and the coverage that I have. I have never had any issues with this company
I would most definitely recommend Progressive for home insurance for so many reasons. Main reason is the low prices for everything covered. Their customer service is pretty amazing as well and that definitely helps when we need to add or remove something.
Homeowner's Choice
The one time I had to use my home insurance it was handled very quickly and would recommend this company to anyone looking for insurance on their home.
It's really hard to say, for me, if I should recommend or not recommend this company, because it's pretty much the only insurance company I have ever dealt with, since the late 1970s.
Farmer's Insurance
I recommend the insurance company to my friend and relatives as it offers and avail all kind of services needed for a proper running of any other insurance company in the world.
If I recommend it because it has really been very effective for me, I have not had any kind of problems or dislikes with this company.
I have got to say as of today, I could not find a thing to write about in terms of something we did not like about our insurance company
from all my experience with the company I like everything about it. This could change in the future but since I haven't had any real dealings with them, I am completely satisfied for the time being.
Overall, I like my insurance provider. They provide good coverage and customer service for the most part and are generally responsive.
The only thing I don’t like about my insurance company is the cost. I live in Florida though and any insurance is going to be pretty high here. My hurricane deductible is 2% of the value of my home; that is a lot to pay when I’m already in a disaster situation.

Ocala, FL Homeowners Insurance By Home Value

Ocala, FL Home Value Total Homes % of Total Average Ocala, FL Homeowners Insurance
Less than $50,000 5,139 14.0% $228
$50,000 to $59,999 1,074 3.0% $491
$60,000 to $69,999 1,892 5.0% $606
$70,000 to $79,999 1,703 4.0% $697
$80,000 to $89,999 2,639 7.0% $789
$90,000 to $99,999 2,021 5.0% $880
$100,000 to $124,999 4,511 12.0% $1029
$125,000 to $149,999 3,567 10.0% $1281
$150,000 to $174,999 3,704 10.0% $1521
$175,000 to $199,999 1,995 5.0% $1750
$200,000 to $249,999 3,027 8.0% $2116
$250,000 to $299,999 1,973 5.0% $2585
$300,000 to $399,999 1,506 4.0% $3283

Top Home Insurance Agents Near Ocala, FL

Home Insurance Company Near Ocala, FL Homeowners Insurance Agency Near Ocala, FL Address
NA Thompson Insurance Group Of America, Inc Dba Thompson Insurance Group Of Florida` 16903 Lake Side Drive, Suite 3 , Montverde, FL, 34756
NA Nib Llc Dba National Insurance Brokers 2654 Sw 32Nd Place, Ocala, FL, 34471
State Farm Edith Aldrich 1721 Reid St, Palatka, FL, 32177-3148
Travelers The Villages Insurance 1031 Lake Sumter Lndg, THE VILLAGES, FL, 32162
Travelers West Coast Insurers Of Crystal River Inc 104 Se 7Th Ave , Crystal River, FL, 34429

Ocala, FL Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Ocala, FL

Streets in Ocala Area Homeowners Insurance Cost
SW 1st Ct, NW 6th Pl, Oak Lane Cir, Pecan Course Trak, Spring Pass, SE 46th Pl, Hemlock Trce, SW 6th Ave, NE 19th Pl, NE 36th St$1,129
Almond Trail Pl, Hemlock Radial Dr, Midway Rd, NE 4th Ct, SE 18th Ave, Pine Pass Ct, SE 62nd Loop, NW 27th Avenue Rd, SE 39th St, SE 39th Cir$1,149
Hemlock Terrace Crse, SW 12th Ave, SE 48th Avenue Rd, NE 40th Avenue Rd, SE 100th St, SE 28th Rd, SW 57th Ave, SE 41st Ave, Oak Lane Way, SE 5th Ct$1,236
SE 12th Ave, NE 58 Th Ter, Almond Trail Way, Locust Ps Loop, NE 26th Ct, Hemlock Terrace Ct, Shady Lane Rd, SE 12th Ave, Carlow Ter, Banyan Trak$1,122
Ganton Rd, SW 33rd Ave, la Quinta Rd, Hickory Loop Pass, Cherry Dr Pass, SE 15th Ave, SW 55th Ct, SE 68th St, NW 48th Ter, NE 26th Ln$1,117
NE 26th St, NW 67th Ln, SW 78th Terrace Rd, SW 37th Dr, Sunningdale Dr, Co Rd 464A, NW 25th Ave, NW 23rd Ave, NW 46th St, SW 1st Ave$1,130
Ainsdale Ln, NE 25th Pl, Silver Trl, 5th St, SE 18th Cir, Cedar Dr, SW 43rd Street Rd, Oak Lane Trce, NE 17th Ter, SE 20th Ter$1,122
SE 22 St, NW 29th Ct, NE 18th St, NW 52nd Street Rd, Spring Lake Pl, SW 3rd St, Lake Ct, Oak Lane Crse, Hemlock Pl, SE 88th Ave$1,130
NE 42nd Ave, SE 100th St, Hemlock Ct, Brook Ln, SW 77 Ct, NW 16th St, NE 51st Ave, Cherry Drive Ct, SE 112th Ter, Pecan Drive Pass$1,150
Hemlock Radial Cir, SW 42nd Pl, Fir Drive Run, SE 28th Ct, NE 8th Ter, Ft Brooks Rd, NW 60th Street Rd, NW 57th Ave, SE 39th Ct, NE 61st Ct$1,129

Ocala, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Ocala$171 to $173
Marion County$172
Silver Springs Shores$168

Ocala, 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
Marion County, Florida $144 $191 $287
Silver Springs Shores CDP, Florida $140 $187 $280
Belleview CCD, Marion County, Florida $145 $193 $290

Ocala, 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
Ocala, FL8.0%22.4%
Marion County8.12%24.39%
Silver Springs Shores8.19%25.64%

Ocala Renters Insurance as a Percentage of Rent

Ocala Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 321 1.0% $794
$300 to $499 1,127 6.0% $1244
$500 to $749 4,178 25.0% $1919
$750 to $999 5,713 35.0% $2669
$1,000 to $1,499 4,158 25.0% $3794
$1,500 or more 599 3.0% $5444

Ocala, FL Homeowners Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
34475 $89,600 $1,130
34471 $176,000 $1,190
34480 $160,700 $1,180
34476 $146,800 $1,170
34482 $140,200 $1,160
34473 $133,100 $1,160
34474 $121,700 $1,150
34479 $117,800 $1,150
34470 $107,700 $1,140
34481 $103,200 $1,140
34472 $102,300 $1,140

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Citizens Property Insurance $1,267
150,000 27 NO First Community Insurance $1,625
150,000 27 NO Florida Farm Bureau Casualty Insurance $1,590
150,000 27 NO Safeway Property Insurance $1,167
150,000 27 NO Security First Insurance $1,148
150,000 27 NO Southern Fidelity Insurance $1,080
150,000 27 NO United Property & Casualty Insurance $1,234
150,000 27 NO Universal Insurance $1,584
150,000 27 YES American Traditions Insurance $820
150,000 27 YES Federated National Insurance $1,316
150,000 27 YES First Community Insurance $1,339
150,000 27 YES First Protective Insurance $854
150,000 27 YES Florida Farm Bureau Casualty Insurance $955
150,000 27 YES Stillwater Property And Casualty Insurance $1,068
150,000 27 YES Tower Hill Signature Insurance $1,106
300,000 12 NA First Protective Insurance $1,565
300,000 12 NA St. Johns Insurance $1,362
300,000 12 NA Stillwater Property And Casualty Insurance $1,291
300,000 12 NA United Property & Casualty Insurance $1,534
300,000 12 NA Universal Insurance $1,795

Ocala, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Ocala Homeowner Insurance Premium Example $3,900$3,400
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $13,500$13,000
Net Savings to Ocala Home Owner from High Deductible Plan $500

Ocala, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Ocala, FL Home Replacement Value MORE than Home Value Ocala, FL Home Replacement Value LESS than Home Value
Replacement Value $348,000 $251,000
Insurance Premium based on Replacement Value $6,375 $4,600
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $44,000 Risk Exposure from Under Insuring Coverage is $53,000
Premium Impact Insurance cheaper by $975/year Insurance costlier by $800/year

Example Ocala Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualGEICO InsuranceTravelers
Monthly Premium 213246388
Year Built 199620011987
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $125000-$150000$150000-$175000$250000-$300000
Deductible $500- $1000 Deductible$1000-$2500 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Ocala, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1988 180,000 Membrane Roof 2,510 4 $500 Deductible 1860 6 Stucco siding yes
1993 270,000 Composition Roof 3,390 4 $500- $1000 Deductible 3230 8 Stone Siding yes
2003 150,000 Shingles Roof 1,850 3 $1000-$2500 Deductible 470 2 Stucco siding yes
1982 85,000 Metal Roof 1,200 3 $1000-$2500 Deductible 450 4 Wood siding No
1998 115,000 Slate Shingles Roof 1,540 3 $2500-$5000 Deductible 490 5 Wood siding No
1989 110,000 Asphalt Shingles Roof 1,560 3 $1000-$2500 Deductible 260 2 Fiber-Cement Siding yes
2001 205,000 Membrane Roof 2,910 5 > $10,000 Deductible 560 4 Fiber-Cement Siding yes
2010 120,000 Shingles Roof 1,850 3 $500 Deductible 1580 10 Stone Siding No
1984 140,000 Wood Shake Roof 2,000 5 $500 Deductible 2150 7 Stone Siding No
2003 135,000 Slate Shingles Roof 1,760 3 $500 Deductible 220 1 Fiber-Cement Siding yes
2000 270,000 Slate Shingles Roof 3,160 4 $5000 to $10,000 Deductible 2510 10 Brick siding No
2005 250,000 Shingles Roof 2,900 5 $1000-$2500 Deductible 1200 3 Stone Siding No
1990 370,000 Membrane Roof 4,370 5 $500 Deductible 1470 2 Wood siding yes
2012 105,000 Wood Shake Roof 1,230 3 $500- $1000 Deductible 400 3 Stone Siding yes
2005 225,000 Wood Shake Roof 3,210 5 $1000-$2500 Deductible 690 2 Fiber-Cement Siding yes
1993 345,000 Tile Roof 4,110 5 $500- $1000 Deductible 6940 12 Stucco siding yes
2012 210,000 Composition Roof 3,170 5 > $10,000 Deductible 1110 5 Vinyl siding yes
1980 200,000 Metal Roof 2,190 5 $500 Deductible 2540 10 Stucco siding No
2013 110,000 Slate Shingles Roof 1,530 3 $2500-$5000 Deductible 470 4 Vinyl siding yes
1999 205,000 Shingles Roof 2,640 4 $2500-$5000 Deductible 1250 4 Stone Siding yes
2014 275,000 Wood Shake Roof 3,680 5 $1000-$2500 Deductible 3780 10 Stucco siding No
1988 150,000 Wood Shake Roof 2,140 4 $1000-$2500 Deductible 1690 8 Wood siding yes
1988 110,000 Composition Roof 1,540 3 $1000-$2500 Deductible 740 5 Stone Siding yes
2010 140,000 Asphalt Shingles Roof 1,490 3 $2500-$5000 Deductible 320 2 Fiber-Cement Siding yes
1980 155,000 Tile Roof 1,680 4 $500- $1000 Deductible 2000 9 Wood siding yes
2010 375,000 Asphalt Shingles Roof 4,220 5 $1000-$2500 Deductible 3470 6 Vinyl siding No
2010 315,000 Wood Shake Roof 4,060 5 $2500-$5000 Deductible 4400 8 Stone Siding yes
1984 150,000 Shingles Roof 1,700 3 $500 Deductible 890 4 Vinyl siding yes
2010 120,000 Composition Roof 1,840 3 $500- $1000 Deductible 390 2 Stucco siding yes
2000 245,000 Shingles Roof 3,190 5 > $10,000 Deductible 1980 12 Brick siding No
2008 125,000 Composition Roof 1,961 3 $500- $1000 Deductible 1360 5 Stone Siding No

How To Make Your Ocala, FL Home Insurance Cheaper

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