Orlando, FL Home Insurance - Analysis On Quotes, Rates & Agents
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.
Latest Home Insurance Reviews
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.
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
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.
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
| Place | Savings 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
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Orlando, FL | 6.5% | 21.4% |
| Holden Heights | 6.1% | 20.69% |
| Edgewood | 5.48% | 16.39% |
| Conway | 6.11% | 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 Deductible | High 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 | Allstate | Liberty Mutual | GEICO Insurance |
| Monthly Premium | 208 | 189 | 208 |
| Year Built | 2006 | 1960 | 2013 |
| Home Details | 3 Beds, 1 Baths | 2 Beds, 1 Baths | 4 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 |