Orlando Insurance Rates:

Orlando, FL homeowners insurance is about $994 to $1,346, about $82-$112/month. Our comprehensive research reveals consumers can save as much as $468 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Nationwide
I 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.
Geico
I also like my home insurance because it is very easy to get help from customer service, especially through email.
Assurant Specialty Property
There also aren't dedicated customer service representatives, so the person you speak with when you call handles claims and any other duty.
State Farm
Their 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 Farm
I 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.
Metlife
I 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 Insurance
The 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.
Progressive
The 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.

Orlando, FL Homeowners Insurance By Home Value

Orlando, FL Home Value Total Homes % of Total Average Orlando, FL Homeowners Insurance
Less than $50,000 7,148 7.0% $175
$50,000 to $59,999 3,325 3.0% $362
$60,000 to $69,999 3,933 4.0% $456
$70,000 to $79,999 4,119 4.0% $526
$80,000 to $89,999 4,758 5.0% $596
$90,000 to $99,999 3,766 4.0% $666
$100,000 to $124,999 9,441 10.0% $772
$125,000 to $149,999 7,481 8.0% $971
$150,000 to $174,999 10,404 11.0% $1146
$175,000 to $199,999 7,257 8.0% $1333
$200,000 to $249,999 11,980 13.0% $1602
$250,000 to $299,999 8,007 8.0% $1953
$300,000 to $399,999 7,881 8.0% $2492

Top Home Insurance Agents Near Orlando, FL

Home Insurance Company Near Orlando, FL Homeowners Insurance Agency Near Orlando, FL Address
NA Eton Bridge Insurance & Financial Solutions 7625 W Sand Lake Rd Suite 201 , Orlando, FL, 32819
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

Cost Of Homeowners Insurance By Street Near Orlando, FL

Streets in Orlando Area Homeowners Insurance Cost
Hillcrest Ave, Barby Ln, Kensington High Blvd, Poplar Pl, Cardinal Guard Ave, Old Park Ln, Terrina Ct, Admirality Ct, E Morse Blvd, Atkins Pl$1,242
N Thistle Ln, Beard Ave, Creston Dr, Pedro Ave, Geigel Ave, Radio Whoo Rd, Altec Rd, Montcalm St, Whittier Cir, North Virginia Ave$1,183
34th St, Dante Dr, Mitchell Dr, Larch Ln, Edie Way, Pacemaker St, Benhurst Pl, N Division Ave, Dundee Dr, Brighton Park Ln$1,137
Hidden Creek Blvd, Piazza Grande Ave, Norwell Ave, Indian Hill Rd, Jasmine Glen Dr, Lake Pineloch Blvd, Cocoa Ln, Gay Dr, Mausser Dr, Oakwater Pointe Dr$1,118
Easy Ave, Brown Bark Dr, Saint George Ave, Randia Dr, Leprechaun Way, Shaffer Pl, Hourglass Dr, Pasha Ln, Chelsea Pl, E Crystal Lake Ave$1,175
Bordwine Dr, Camino Way, Clemson Rd, Nice Ave, Volusia Dr, Sandlewood Trl, Durango Ct, Ambassador Dr, Sebastian Way, Cathcart Ter$1,140
Idlewild Ct, Ambassador Ct, Pine Ave, S Ivanhoe Blvd W, White Marsh Cir, S West Ave, Calendula Dr, Anzle Ave, Pinnacle Cove Blvd, Northwood Cir$1,138
Mau Mau Ln, Hiawassee Meadows Dr, Swallow Run, E Swoope Ave, Pelleport Ave, Gypsy Ln, Coretta Way, Jaleen Ave, Laguna St, Highness Ct$1,136
Doolan Ct, Alcalde Ct, Sol Ave, Derbyshire Ln, Fitness Cir, Oxfordshire Pl, Greenwood Rd, Canyon Dr, Sun Ct, 20th St$1,122
Lodgewood Ln, Campus View Dr, Waterwitch Dr, Sweetleaf St, W Rosevear St, High St, Klondike St, Stafford Dr, Wallace Dr, Walnut Ave$1,128

Orlando, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Orlando$175 to $177
Holden Heights$178
Edgewood$183
Conway$179

Orlando, 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
Holden Heights CDP, Florida $149 $198 $297
Edgewood city, Florida $153 $203 $305
Conway CDP, Florida $150 $199 $299

Orlando, 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
Orlando, FL6.5%21.4%
Holden Heights6.1%20.69%
Edgewood5.48%16.39%
Conway6.11%22.93%

Orlando Renters Insurance as a Percentage of Rent

Orlando Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 3,263 3.0% $1237
$500 to $749 15,944 15.0% $1912
$750 to $999 36,607 34.0% $2662
$1,000 to $1,499 37,443 35.0% $3787
$1,500 or more 10,082 9.0% $5437

Orlando, FL Homeowners Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
32836 $411,300 $1,330
32801 $270,300 $1,250
32832 $247,900 $1,230
32827 $242,500 $1,220
32803 $229,600 $1,220
32828 $224,700 $1,210
32806 $217,200 $1,210
32835 $204,500 $1,200
32837 $203,200 $1,200
32812 $196,100 $1,190
32829 $183,700 $1,200
32825 $178,300 $1,190
32821 $164,900 $1,180
32824 $156,700 $1,180
32831 $15,300 $1,080
32826 $150,500 $1,170
32818 $138,400 $1,170
32839 $132,200 $1,150
32805 $126,400 $1,160

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Castle Key Indemnity Company Insurance $2,429
150,000 27 NO St. Johns Insurance $1,763
150,000 27 NO State Farm Florida Insurance $2,524
150,000 27 YES Southern Fidelity Insurance $924
300,000 12 NA Security First Insurance $1,770

Orlando, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$4,600
Yearly Orlando Homeowner Insurance Premium Example $3,500$3,000
Out of Pocket Expense During Claim$1,600$4,600
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $26,100$25,600
Net Savings to Orlando Home Owner from High Deductible Plan $500

Orlando, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Orlando, FL Home Replacement Value MORE than Home Value Orlando, FL Home Replacement Value LESS than Home Value
Replacement Value $115,500 $76,500
Insurance Premium based on Replacement Value $2,400 $1,600
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $28,500 Risk Exposure from Under Insuring Coverage is $10,500
Premium Impact Insurance cheaper by $225/year Insurance costlier by $575/year

Example Orlando Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateLiberty MutualGEICO Insurance
Monthly Premium 208189208
Year Built 200619602013
Home Details 3 Beds, 1 Baths2 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $150000-$175000$100000-$125000$125000-$150000
Deductible $500- $1000 Deductible$500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1975 380,000 Wood Shake Roof 4,570 5 $500 Deductible 4830 9 Wood siding yes
2014 150,000 Membrane Roof 1,320 2 $500 Deductible 2100 7 Stone Siding yes
1962 115,000 Wood Shake Roof 1,470 2 $1000-$2500 Deductible 160 1 Brick siding yes
2014 235,000 Membrane Roof 2,190 3 $2500-$5000 Deductible 650 3 Brick siding No
1976 145,000 Composition Roof 1,540 3 $1000-$2500 Deductible 210 1 Stone Siding yes
1988 125,000 Asphalt Shingles Roof 1,250 2 $500- $1000 Deductible 2570 12 Wood siding No
1967 125,000 Asphalt Shingles Roof 1,360 2 $2500-$5000 Deductible 960 5 Vinyl siding No
1997 135,000 Tile Roof 1,580 2 $500 Deductible 1540 10 Wood siding No
1986 300,000 Composition Roof 2,800 5 $500- $1000 Deductible 3470 6 Stucco siding yes
1985 360,000 Tile Roof 3,550 5 $500 Deductible 1360 2 Fiber-Cement Siding No
1992 105,000 Wood Shake Roof 1,120 2 $500 Deductible 870 6 Fiber-Cement Siding No
1999 110,000 Asphalt Shingles Roof 1,480 2 $1000-$2500 Deductible 2710 9 Wood siding No