Ormond Beach Insurance Rates:

Ormond Beach, FL homeowners insurance is roughly $982 to $1,337, about $81-$111/month. Our comprehensive analysis shows customers can save as much as $463 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Assurant Specialty Property
Assurant has the most inexpensive premium that I could find compared to other companies offering the same coverages. I was very happy with the options giving for deductibles as well.
Allstate
I strongly recommend that anyone looking for home owners insurance contact Allstate for a quote. Their rates are low and apparently don't go up much over the years.
American Integrity Insurance
My insurance provider policy offerings are fine. I live in a condo so not too many companies who provide in our situation.
Liberty Mutual
If you're looking for cheap rates and affordable deductibles I would recommend this company. If you're looking for agents who are communicative and accommodating then this may not be the company for you.
State Farm
The deductible is great. compared to other people I talk to I always seem to have the lowest deductible.
Usaa
The cost and deductible are extremely affordable and we feel like we can easily pay these if we need to.
Geico
Geico offers great military discounts which has a greater percentage than other companies. They also bundle with car insurance and like no other, their rates are super affordable.
Allstate
They offered a wide array of options that are very budget friendly and offer protection for various aspects of my home like a pool and a trampoline where kids may get injured on and incur a hospital bill and a law suit.
Amica Mutual Insurance
Amica has outstanding claim customer service. in the claims i have had the claim has been resolved very very quickly.
People's Trust Insurance
I also do not like that sometimes the policy documents seems confusing and there are so many papers that we need to go through to review. it can make it overwhelming and confusing.
Farmer's Insurance
I do like the farmer's current television ad campaign. it definitely give its current and potential customers a sense of security if you use farmer's as your insurer.
Travelers
I have called customer service around here on very few occasions. Each time I have, they have been very helpful including directing me to the correct contact information claim information policy and premium information Etc.
Assurant Specialty Property
It seems to be fine but honestly, I don't really interact with them very much, when I did have the inspector come out the communication was fine.
Usaa
The premium that I pay for insuring my home is likely about the same as I would pay another company. The largest portion is for wind damage due to hurricanes, a sad fact of life here in Florida.
Geico
It is a little convoluted. Kind of hard to locate where you want to go and find what you are looking for.
Allstate
I have called when I have a question they handled it promptly to my satisfaction.
Farmer's Insurance
The agent that we have is very responsive and understanding with our needs.
Security First Home Insurance
I am not aware of other insurance company offerings and what they have to be able to truly compare it to my own. All I can say is that I am happy with what my policy offers me.
Progressive
They have very competitive rates for their premiums considering my home is older and many insurance companies won't insure me. I thought because of this I would be gouged in premiums.

Ormond Beach, FL Homeowners Insurance By Home Value

Ormond Beach, FL Home Value Total Homes % of Total Average Ormond Beach, FL Homeowners Insurance
Less than $50,000 2,217 14.0% $185
$50,000 to $59,999 600 4.0% $405
$60,000 to $69,999 333 2.0% $509
$70,000 to $79,999 612 4.0% $579
$80,000 to $89,999 451 3.0% $660
$90,000 to $99,999 734 4.0% $741
$100,000 to $124,999 1,606 10.0% $857
$125,000 to $149,999 1,507 10.0% $1077
$150,000 to $174,999 1,799 12.0% $1274
$175,000 to $199,999 1,013 6.0% $1471
$200,000 to $249,999 1,674 11.0% $1761
$250,000 to $299,999 1,302 8.0% $2155
$300,000 to $399,999 1,079 7.0% $2746

Top Home Insurance Agents Near Ormond Beach, FL

Home Insurance Company Near Ormond Beach, FL Homeowners Insurance Agency Near Ormond Beach, FL Address
NA L B Bryan & Company 3036-A Harbor Dr 3036-A Harbor Dr St Augustine, St. Augustine, FL, 32085
NA Brightway Insurance 507 N Peninsula Dr Daytona Beach, Daytona Beach, FL, 32118
Travelers Blackadar Insurance Agency Inc 1436 N RONALD REAGAN BOULEVARD, LONGWOOD, FL, 32750
Travelers First Florida Ins 1339 W GRANADA BLVD, ORMOND BEACH, FL, 32174
Liberty Mutual Independent Vandyke Norman Ins Llc 798 N PONCE DE LEON BLVD, ST AUGUSTINE, FL, 32084

Ormond Beach, FL Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Ormond Beach, FL

Streets in Ormond Beach Area Homeowners Insurance Cost
Castle Manor Dr, Bear Foot Trl, Aragon St, Pine Cone Cir, Pineview Lake Cir, Laurelwood Ln, Wild Fern Ln, Volunteer Ln, Lincoln Ave, Sunwood Trl$1,229
Palm St, Hummingbird Ln, Twelve Oaks Trl, Nightingale Ln, Walden Ln, Coquina Point Dr, Northbrook Ln, Indianbow Ln, Lindenwood Cir, Grizzly Bear Path$1,185
Arroyo Pkwy, Maryann Ter, Connemara Dr, Mainsail Cir, Baywood Dr, Ormond Green Blvd, Rocky Bluff Dr, Ave D, Mirror Lake Dr, Timberlake Ln$1,233
Narcissus Ave, Spiveys Ct, Jasmin Dr, Manderley Ln, Genmar St, Riverbluff Ct, Holly Ridge Trl, Scotland Dr, Cliffside Dr, Elvora St$1,132
Queensgate Ct, N Perrott Dr, Kim Ct, Fair Oaks Cir, Hope Dr, Bushnell Park Ct, Mayfield Ter, Green Forest Dr, Windsail Cir, Dorothy Ave$1,161
Lincoln Ave, Evergreen Trl, Pine Creek Ct, River Bluff Dr, Powers Ave, Bella Vita Way, Tennessee Ter, Eleanor St, Donegal Cir, Glen Falls$1,113
Wicklow Ln, Arroyo Pkwy, Coquina Cliff Cir, Rio Pinar Trl, Elsie Ave, Hot Springs Trl, Golden Bear Path, Vitality Cir, Maplewood Trl, Merrywood Cir$1,226
Ridgewood Ave, Cedar Falls Dr, Brooke Station Dr, Dakota Cir, Cedar Cir, Carmen Ave, Sunny Brook Cir N, Tano Dr, Wandering Oaks Dr, Addison Dr$1,133
Kilrush Dr, River Rock Trl, Pawnee Dr, Elizabeth St, Old Port Cir, Asher Ct, Woodlands Cir, Aaron Cir, Bryce Canyon Trl, Cherokee Dr$1,196
Lindenwood Cir W, Cypress Grove Ln, San Jose Blvd, Little Bear Path, Hartbourne Ln, S St Andrews Dr, Main Trl, Lakewood Dr, Rio Way, Tropical Park Dr$1,128

Ormond Beach, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Ormond Beach$173 to $176
Ormond-by-the-Sea$177
Holly Hill$169
Daytona Beach$172

Ormond Beach, 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
Ormond-by-the-Sea CDP, Florida $177 $236 $354
North Peninsula CCD, Volusia County, Florida $177 $236 $354
Holly Hill city, Florida $169 $225 $338

Ormond Beach, 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
Ormond Beach, FL7.1%21.3%
Ormond-by-the-Sea6.62%21.96%
North Peninsula6.58%19.84%
Holly Hill9.07%27.57%

Ormond Beach Renters Insurance as a Percentage of Rent

Ormond Beach Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 147 2.0% $340
$200 to $299 167 2.0% $790
$300 to $499 387 6.0% $1240
$500 to $749 1,096 19.0% $1915
$750 to $999 1,819 31.0% $2665
$1,000 to $1,499 1,466 25.0% $3790
$1,500 or more 614 10.0% $5440

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO American Integrity Insurance $2,267
150,000 27 NO Florida Peninsula Insurance $1,730
150,000 27 NO Safeway Property Insurance $2,442
150,000 27 NO Southern Oak Insurance $1,776
150,000 27 YES Citizens Property Insurance $697
150,000 27 YES Florida Peninsula Insurance $1,097
150,000 27 YES Security First Insurance $889
150,000 27 YES Tower Hill Preferred Insurance $1,067
300,000 27 NA Asi Preferred Insurance $1,582
300,000 27 NA State Farm Florida Insurance $2,768

Ormond Beach, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$2,900
Yearly Ormond Beach Homeowner Insurance Premium Example $2,300$1,800
Out of Pocket Expense During Claim$1,900$2,900
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $13,400$11,900
Net Savings to Ormond Beach Home Owner from High Deductible Plan $1,500

Ormond Beach, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Ormond Beach, FL Home Replacement Value MORE than Home Value Ormond Beach, FL Home Replacement Value LESS than Home Value
Replacement Value $187,000 $136,000
Insurance Premium based on Replacement Value $4,025 $2,925
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $28,000 Risk Exposure from Under Insuring Coverage is $23,000
Premium Impact Insurance cheaper by $500/year Insurance costlier by $600/year

Example Ormond Beach Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceTravelersAllstate
Monthly Premium 132282421
Year Built 198419941975
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths4 Beds, 3 Baths
Coverage Amount $175000-$200000$175000-$200000$300000-$350000
Deductible > $10,000 Deductible$500- $1000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2010 290,000 Membrane Roof 2,930 4 $2500-$5000 Deductible 670 2 Stucco siding No
2000 195,000 Tile Roof 1,840 3 $1000-$2500 Deductible 1280 6 Brick siding yes
1996 180,000 Composition Roof 1,890 3 $500- $1000 Deductible 2740 8 Fiber-Cement Siding yes
1968 110,000 Shingles Roof 1,430 3 $500 Deductible 520 4 Stone Siding yes
2005 140,000 Metal Roof 1,450 3 $500- $1000 Deductible 860 3 Wood siding No
1979 210,000 Wood Shake Roof 2,110 3 $500- $1000 Deductible 1900 6 Fiber-Cement Siding yes
1971 140,000 Tile Roof 1,460 3 $500 Deductible 2650 12 Wood siding No
1982 220,000 Membrane Roof 2,500 4 $500 Deductible 1550 6 Fiber-Cement Siding yes
1967 170,000 Membrane Roof 2,100 3 $5000 to $10,000 Deductible 2820 12 Wood siding yes
2011 155,000 Asphalt Shingles Roof 1,930 3 $2500-$5000 Deductible 1130 7 Fiber-Cement Siding No
2001 105,000 Metal Roof 1,430 3 $1000-$2500 Deductible 990 8 Stucco siding yes
1980 150,000 Metal Roof 2,060 3 $500- $1000 Deductible 1500 8 Vinyl siding No
1989 180,000 Wood Shake Roof 2,100 3 $500 Deductible 2150 6 Fiber-Cement Siding No
2003 230,000 Metal Roof 2,210 3 $1000-$2500 Deductible 1470 4 Vinyl siding yes
1985 175,000 Asphalt Shingles Roof 1,630 4 $2500-$5000 Deductible 2810 10 Stone Siding No
1978 245,000 Membrane Roof 2,320 3 $500- $1000 Deductible 2070 7 Vinyl siding yes
1960 120,000 Wood Shake Roof 1,400 3 $500- $1000 Deductible 1300 9 Fiber-Cement Siding No
2004 210,000 Asphalt Shingles Roof 1,980 3 $5000 to $10,000 Deductible 2580 9 Stone Siding No
1995 225,000 Wood Shake Roof 2,130 4 $1000-$2500 Deductible 620 2 Fiber-Cement Siding yes
1979 130,000 Metal Roof 1,630 4 $500- $1000 Deductible 1780 12 Stucco siding yes
2008 290,000 Membrane Roof 3,360 4 $500- $1000 Deductible 1340 3 Vinyl siding yes
1980 150,000 Metal Roof 1,690 3 $5000 to $10,000 Deductible 440 3 Stone Siding yes
2008 160,000 Asphalt Shingles Roof 2,100 4 $500 Deductible 910 3 Vinyl siding yes
1977 155,000 Shingles Roof 1,850 4 $500 Deductible 2560 7 Vinyl siding No
1968 155,000 Metal Roof 1,660 3 $500 Deductible 590 2 Brick siding yes
2012 245,000 Wood Shake Roof 2,990 4 > $10,000 Deductible 1550 7 Stone Siding No
1985 200,000 Composition Roof 2,070 3 $5000 to $10,000 Deductible 1520 6 Stucco siding yes
1980 230,000 Asphalt Shingles Roof 3,170 4 $500- $1000 Deductible 3500 9 Wood siding yes
1992 180,000 Slate Shingles Roof 1,670 3 $500 Deductible 1560 4 Wood siding yes
1976 235,000 Membrane Roof 2,290 3 > $10,000 Deductible 190 1 Wood siding yes
1981 245,000 Membrane Roof 2,520 4 $1000-$2500 Deductible 2230 7 Brick siding yes
1995 205,000 Tile Roof 2,140 3 $500- $1000 Deductible 2540 8 Wood siding yes
1982 170,000 Wood Shake Roof 2,110 4 $2500-$5000 Deductible 1020 4 Fiber-Cement Siding No

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