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

American Integrity Insurance
I 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.
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.
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.
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.
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.
The car was easy to work with, able to quickly process the claim and get us a check deposited into our account
Assurant Specialty Property
AS 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 Insurance
I 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.
I like how prompt they were in helping me get my roof fixed after a strong storm blew off a bunch of shingles.
They are always there for me. I get email reminders and enough notice to pay the bills with plenty of time
My 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.
I'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.
The 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 Insurance
There 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 Farm
The 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.
I 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.
Easy 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 Insurance
I dislike that there is an increase in the premium but that occurred with the insurance companies in my state.
SO 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
I 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 Insurance
What 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
State Farm
i 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.
I 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.
I 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
My 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.
I am satisfied with my policy and what it offers it used to be better but it is still competitive.
Universal Property & Casualty Insurance Company
My 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.

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

Orlando, FL Home Insurance Agents for Top Companies

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

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%

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
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
2012 140,000 Shingles Roof 1,710 4 $500- $1000 Deductible 1450 8 Wood siding No
1963 340,000 Membrane Roof 3,630 5 $500- $1000 Deductible 4100 8 Vinyl siding yes
1981 205,000 Membrane Roof 1,810 5 $5000 to $10,000 Deductible 2620 12 Stucco siding No
1967 160,000 Asphalt Shingles Roof 1,860 3 $2500-$5000 Deductible 470 3 Wood siding No
1998 100,000 Composition Roof 1,270 3 $500 Deductible 610 4 Stucco siding yes
1968 145,000 Composition Roof 1,730 5 $2500-$5000 Deductible 2380 12 Stucco siding yes
1986 170,000 Wood Shake Roof 1,700 5 $500 Deductible 490 2 Fiber-Cement Siding No
1962 150,000 Tile Roof 1,720 2 $1000-$2500 Deductible 840 5 Stucco siding yes
2006 165,000 Metal Roof 1,430 3 $500- $1000 Deductible 2870 9 Fiber-Cement Siding yes
1968 215,000 Slate Shingles Roof 2,410 4 $1000-$2500 Deductible 4380 12 Stone Siding yes
1968 90,000 Shingles Roof 1,110 2 $500- $1000 Deductible 1170 6 Brick siding yes
2013 165,000 Composition Roof 1,750 3 $500- $1000 Deductible 1980 8 Stucco siding No
1999 195,000 Asphalt Shingles Roof 2,470 4 $5000 to $10,000 Deductible 2300 12 Wood siding No
2009 115,000 Tile Roof 1,210 3 $500- $1000 Deductible 1950 10 Brick siding yes
1976 140,000 Shingles Roof 1,750 2 $500 Deductible 830 3 Vinyl siding yes
1973 260,000 Metal Roof 3,110 5 $1000-$2500 Deductible 800 2 Stucco siding yes
1977 160,000 Membrane Roof 1,880 3 $5000 to $10,000 Deductible 1700 9 Fiber-Cement Siding yes
2000 170,000 Shingles Roof 1,530 2 $500- $1000 Deductible 2210 12 Fiber-Cement Siding yes
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

How To Make Your Orlando, FL Home Insurance Cheaper

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