Orlando, FL Home Insurance - Analysis On Quotes, Rates & Agents
Orlando, FL Insurance Rates:
The average cost of home insurance in Orlando, FL is $1506. vHome analyzed multiple home insurance quotes in Orlando, FL to narrow down the list of the cheapest insurance companies in Orlando, FL. vHome stresses the importance of comparing quotes from multiple companies to narrow down the best one that suits the consumer’s needs. Enter your Zip Code in the below banner to get instant home insurance quotes.
Orlando, FL homeowners will find various factors that will have an impact on your home insurance premium. Understanding these factors could help homeowners drastically lower their home insurance premiums. A careful comparison between different quotes and values to suit the homeowner’s needs can be done with the data below.
- Top Home Insurance Companies in Orlando, FL
- Orlando, FL Homeowners Insurance for Different Coverages
- Visual Guide for Orlando, FL Home Insurance Buyers on Insurance Companies and Rates
- Orlando, FL Homeowners Insurance Rate Based on Claims Filed
- Orlando, FL Homeowners Insurance by Zip Code
- Orlando, FL Home Insurance Premium Based on the Number of Bedrooms
- Orlando, FL Home Insurance Premiums for Different Deductibles
- Orlando, FL Homeowners Insurance Premium Based on the Age of the Home
- Orlando, FL Homeowners Insurance Cost Based on Construction Type of Home
- Saving Tips on Orlando, FL Homeowners Insurance
- Orlando, FL Home Insurance Discounts for Home Safety Devices in Home
- Customer Reviews for Home Insurance Companies in Orlando, FL
Average Home Insurance Premium in Orlando, FL
| National Average Premium | State Average Premium | Orlando Average Premium |
|---|---|---|
| $1,438 | $1,605 | $1,506 |
Top Home Insurance Companies in Orlando, FL | Back to Top
vHome Insurance has compiled a list of home insurance companies providing the best home insurance rates. The companies are as follows.
| Company Name | Coverage $70,000 | Coverage $150,000 | Coverage $200,000 | Coverage $350,000 |
|---|---|---|---|---|
| USAA | $1,286 | $1,543 | $2,006 | $2,768 |
| State Farm | $814 | $977 | $1,270 | $1,752 |
| Allstate | $1,342 | $1,610 | $2,093 | $2,889 |
| Florida Peninsula | $3,379 | $4,055 | $5,271 | $7,274 |
Orlando, FL Homeowners Insurance for Different Coverages | Back to Top
| Coverage Type | Home Insurance Cost($) |
|---|---|
| $100,000 To $124,999 | 1,061.23 |
| $150,000 To $174,999 | 1,449.06 |
| $175,000 To $199,999 | 1,531.89 |
| $200,000 To $249,999 | 1,813.66 |
| $250,000 To $299,999 | 2,834.8 |
| $300,000 To $399,999 | 3,731.26 |
| $400,000 To $499,999 | 4,525.7 |
| $500,000 To $749,999 | 5,792.9 |
| $750,000 To $999,999 | 6,698.04 |
| $1000,000 To $1499,999 | 7,376.9 |
| $1500,000 To $2000,000 | 7,919.98 |
Visual Guide for Orlando, FL Home Insurance Buyers on Insurance Companies and Rates
Top Home Insurance Agents Near Orlando, FL | Back to Top
| Home Insurance Company Near Orlando, FL | Homeowners Insurance Agency Near Orlando, FL | Address |
|---|---|---|
| Liberty Mutual | Bryan J Henshaw Cpcu Lutcf | 4229 W. Lake Mary Blvd., Lake Mary, FL, 32746 |
| Liberty Mutual | David Diaz | 2504 S. Alafaya Trail Ste 300, Orlando, FL, 32828 |
| Travelers | Edward Lamb & Associates Inc | 146 E STUART AVE, LAKE WALES, FL, 33853 |
| Allstate | Luis Diaz | 1634 Hillcrest St, Orlando, FL, 32803 |
List of Orlando, FL Home Insurance Agents by Companies
Orlando, FL Homeowners Insurance Rates Based on Claims Filed | Back to Top
Homeowners in Orlando, FL with no claims filed get a discount of $210.84, whereas homeowners with one claim have to file an additional home insurance rate of $120 while homeowners with 2 claims have to pay an additional $211 for their home insurance premium.
| Type of Claim | Homeowners Insurance Cost Increase/Decrease($) | Homeowners Insurance Cost($) |
|---|---|---|
| No Claim Discount | -211 | 1,295 |
| One Claim | +120 | 1,626 |
| Two Claim | +211 | 1,717 |
Orlando, FL Homeowners Insurance by Zip Code | Back to Top
| Zip Code | Median Home Value($) | Home Insurance Cost($) |
|---|---|---|
| 32836 | 411,300 | 1,524 |
| 32801 | 270,300 | 1,416 |
| 32832 | 247,900 | 1,526 |
| 32827 | 242,500 | 1,461 |
| 32803 | 229,600 | 1,526 |
| 32828 | 224,700 | 1,401 |
| 32806 | 217,200 | 1,423 |
| 32835 | 204,500 | 1,527 |
| 32837 | 203,200 | 1,431 |
| 32812 | 196,100 | 1,524 |
| 32829 | 183,700 | 1,431 |
| 32825 | 178,300 | 1,446 |
| 32821 | 164,900 | 1,401 |
| 32824 | 156,700 | 1,446 |
| 32831 | 15,300 | 1,401 |
| 32826 | 150,500 | 1,527 |
| 32818 | 138,400 | 1,527 |
| 32839 | 132,200 | 1,431 |
| 32805 | 126,400 | 1,401 |
Factors Affecting Home Insurance Premiums in Orlando, FL
The average cost of homeowners insurance in Orlando, FL is $1506. Various factors could help homeowners lower their home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance costs.
Orlando, FL Home Insurance Premium Based on the Number of Bedrooms | Back to Top
| Bedroom Size | Average Homeowners Insurance Cost($) |
|---|---|
| 2 Bedroom | 1,255 |
| 3 Bedroom | 1,972 |
| 4 Bedroom | 2,868 |
| 5 Bedroom | 4,033 |
Orlando, FL Home Insurance Premiums for Different Deductibles | Back to Top
Homeowners with a deductible of $500 pay a much higher amount on their home insurance premium, while homeowners who pay a deductible of $2500 pay a much lower amount on their home insurance premium as seen in the table below.
| Deductible Type | Average Homeowners Insurance Cost($) |
|---|---|
| $500 Deductible | 1,488 |
| $1000 Deductible | 1,346 |
| $1500 Deductible | 1,267 |
| $2000 Deductible | 1,150 |
| $2500 Deductible | 1,081 |
Orlando, FL Homeowners Insurance Premium Based on the Age of the Home | Back to Top
Homeowners in Orlando, FL pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.
| Home Age | Homeowners Insurance Cost($) |
|---|---|
| Newly Constructed Home | 1,145 |
| Year 30 Old | 1,529 |
| Year 40 Old | 1,545 |
| Year 50 Old | 1,563 |
| Above Year 50 | 1,578 |
Orlando, FL Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top
| Construction Type | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Fire Resistive | 181 | 1,325 |
| Masonry | 75 | 1,431 |
| Brick | 75 | 1,431 |
| Superior | 136 | 1,370 |
| Hail Resistant Roof | 45 | 1,461 |
Top Saving Tips on Orlando, FL Homeowners Insurance | Back to Top
Homes built using sturdy materials, which are highly resistant to damage, receive substantial discounts on homeowners’ insurance. Orlando, FL homeowners can also bundle their home insurance policy with auto insurance to receive more discounts. Apart from this, home insurance companies tend to provide discounts to homes equipped with security features that make them less prone to burglaries. Senior citizens residing in households earn a considerable amount of discounts on homeowners insurance.
The tables below contain the complete list of discounts that Orlando, FL homeowners can take advantage of to increase their savings.
Orlando, FL Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts
| Discount Type | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Bundle Discount | 241 | 1,265 |
| Retiree Discount (Senior Citizen Discount) | 211 | 1,717 |
| Newly Constructed Home | 361 | 1,145 |
Orlando, FL Home Insurance Discounts for Home Safety Devices | Back to Top
| Home Safety Devices | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Deadbolts | 211 | 1,295 |
| Fire Extinguishers | 136 | 1,370 |
| Smoke Detectors | 181 | 1,325 |
| Sprinkler System | 120 | 1,386 |
| Fire Alarm | 90 | 1,416 |
| Burglar Alarm | 136 | 1,370 |
| Lightning Protection | 30 | 1,476 |
Latest Home Insurance Reviews
State Farmi have had other home insurance companys and i have not been very satisfied. compared to state farm thjey was not very reliable. and they do not offer the same policy offerings as state farm.
UsaaI would give USAA a 5 on this scale. They are an excellent company and their customer service is top-notch. It is easy to contact them, either by phone or online.
AllstateI don't even know the details of our policy, I'm sure I did at one time. But we've never had an issue filing a claim for any reason. We've only needed it a few times, but when we did we were covered and the process was hassle free
UsaaMy deductible is $1000 and i wish that could be a bit less. As all my other insurance items my deductibles are $100 or even $50. Makes it easier to come up with $50 than $1000 in a short amount of time.
UsaaI am satisfied with my policy and what it offers it used to be better but it is still competitive.
Universal Property & Casualty Insurance CompanyMy experience might be a little bit biased, because the company I was with split into in the last year and I got assigned to the new company with a new agent, in a new location. Because of this I am a little unhappy with them, especially with the new renewal process. However they still offer better rates than most.
American Integrity InsuranceI haven't had any issues with the company so I would recommend them to someone if this company was one of the options that they have. There are other companies that have lower rates, but you may not be able to get that company.
EsuranceThe premium is much lower then other insurance companies I looked at. The deductible is relatively high however I cannot see a circumstance where I will use the insurance unless it is catastrophic
Security First Home Insurancepremium and deductible were better than other companies. They offered to reduce premium with slightly higher deductible.
NationwideI don't like the fact that i have to make multiple payments each month. individual policies- though linked- require individual payments. this often leads to confusion at my bank as the amounts are similar.
GeicoI also like my home insurance because it is very easy to get help from customer service, especially through email.
Assurant Specialty PropertyThere also aren't dedicated customer service representatives, so the person you speak with when you call handles claims and any other duty.
State FarmTheir prices are a bit higher than few other companies. You may get what you pay for, but this is a consideration one has to make.
State FarmI like that they keep us updated about changes to the policy. They send emails and regular mail on a regular basis to keep us up to date.
MetlifeI have been with this company for 29 year. Occasionally, I will do some comparison shopping, but I have never found a company that gives me the cover package, premium, and convenience that would make me want to leave.
Farmer's InsuranceThe premiums with Farmer's are a little bit higher but I went with them on my dad's recommendation because he's only had good experiences with them. So the extra price is worth it.
ProgressiveThe company always interacts in a professional and courteous manner when we have to call them and talk to someone in person. They communicate effectively and efficiently.
UsaaThe car was easy to work with, able to quickly process the claim and get us a check deposited into our account
Assurant Specialty PropertyAS home insurance is one of the best home insurance company. because this company have very good customer service and have to friendly approach.
American Integrity InsuranceI don't like the fact that the company only sends me a renewal notice about a month before it is due and will come out of my escrow. This does not give me enough time to make a change if I was wanting to do so unless I had planned it out months ahead of time.
AllstateI like how prompt they were in helping me get my roof fixed after a strong storm blew off a bunch of shingles.
AllstateThey are always there for me. I get email reminders and enough notice to pay the bills with plenty of time
UsaaMy favorite thing about my insurance company is their customer service. I have never had a bad interaction when dealing with my insurance company. They really go above and beyond in customer service.
UsaaI'm a very faithful customer of USAA. They are accessible, welcoming, and honest. That's a rare combination in an insurance company. I recommend them to anyone who can qualify to be a customer.
GeicoThe lack of an option to call a local agent directly in the rare instance when you want a real live person. I don't want some operator thousands of miles away with seemingly no vested interest in how they treat me.
Security First Home InsuranceThere has not been anything up to this point that I have disliked about the company. I hope to continue feeling this way and hopefully, I will never have to file a claim with them in the future.
State FarmThe service provided is very good.Very good policies offered by them.Easy to apply for the policy.The employees help to fill the form and formalities.
UsaaI did have a bad experience with this company on another matter only indirectly related to me. For this reason, I most definitely can no longer recommend this insurer.
UsaaEasy to deal with, personnel are efficient, professional, always available, the local company, also offers to the bank, offices are easy to get to and plenty of parking.
People's Trust InsuranceI dislike that there is an increase in the premium but that occurred with the insurance companies in my state.
AllstateSO far I like everything about the insurance company. I guess the moment of truth will be if I ever have to file a claim but there's so much competition in the industry they would have to do a good job
UsaaI dislike their website as far as it isn't as up-to-date as it should be. They have had the same options for 15 years, and it's difficult to find exactly what I am looking for.
Tower Hill InsuranceWhat I do not like about this company is that it seems to me that they change personnel very often and it is difficult in this way to establish a closer relationship with their workers to obtain better care