Osceola County Insurance Rates:

Osceola County, FL homeowners insurance is nearly $982 to $1,334, about $81-$111/month. Our exhaustive research 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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How to Reduce the Cost of Homeowners Insurance in Osceola County, FL

The average cost of home insurance in Osceola County, Florida, is $1511. As a homeowner, you have a lot of financial responsibility. Not only do you have to pay your mortgage, but you also have to pay for things like repairs, maintenance, and utilities. If something goes wrong, it's up to you to fix it. This is why homeowner's insurance is so important. If you have homeowner's insurance, it will help cover the cost of repairs if your home is damaged. It can also help cover the cost of temporary housing if your home is uninhabitable. And, if someone is injured on your property, your insurance can help cover their medical expenses.

Without homeowner's insurance, you would be responsible for paying for all of these things yourself. And, if you can't afford to pay for them, it could put your home at risk. So, if you own a home, ensure you have homeowner's insurance. It could save you a lot of money and stress in the long run. The cost of a homeowners insurance policy is determined by several factors, including the value of your property, the value of your possessions, the type of deductible, the materials used to build your home, the history of claims, and more. Through its research, VHome has thoroughly looked into these elements.

1. Cost of insurance based on the coverage level in Osceola County, FL

As a homeowner, you know that your home is your most valuable asset. And as such, you want to do everything you can to protect it. That includes having the right home insurance policy in place. Homeowners can select the limitations they want to apply to each item when picking their homeowner's insurance policy. These protect your home and your possessions, such as jewels, electronics, and other priceless items. Additionally, you can adjust the responsibility and medical payment caps. For example, homeowners in Osceola County, Florida, who choose to pay coverage of $100K pay $743 for home insurance, while those who opt to pay coverage of $200K to $300K pay $1886 and $3764, respectively.

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2. Insurance rates in Osceola County, FL, based on deductibles

The deductible on your homeowner's insurance is the amount you agree to pay in case of a claim. Every time you submit a claim, your deductible will be applied. Homeowner's insurance policies can have different levels of deductibles, which is the amount you pay out of pocket when you have a claim. The higher the deductible, the lower the premium because you are assuming more of the risk. For example, homeowners in Osceola County, Florida, who choose a low deductible of $500 pay $1492 for homeowners insurance, while those who choose a high deductible of $2500 pay $1084 for house insurance.

3. Cost of insurance based on the age of the home in Osceola County, FL

The cost of homeowners insurance typically increases as the home age increases. This is because older homes are more likely to have damage from wear and tear, and they are also more likely to have outdated electrical, plumbing, and heating systems. The amount of coverage that an insurance company can offer is influenced by a building's age, which reveals a lot about its condition. Existing buildings that have undergone renovation and are occupied by the applicant may be eligible for a specific amount of coverage under the policy created for older residences. On the other hand, freshly built homes are less prone to damage, and home insurance providers offer large discounts on newly built homes. For example, houses older than 40 and 50 years pay $1550 and $1568 on home insurance in Osceola County, FL. Whereas newly constructed residences in Osceola County, Florida, can get homeowners insurance for $1087.92.

Osceola County, FL Homeowners Insurance By Home Value

Osceola County, FL Home Value Total Homes % of Total Average Osceola County, FL Homeowners Insurance
Less than $50,000 5,744 10.0% $197
$50,000 to $59,999 2,024 3.0% $405
$60,000 to $69,999 1,788 3.0% $509
$70,000 to $79,999 3,023 5.0% $591
$80,000 to $89,999 3,072 5.0% $672
$90,000 to $99,999 2,167 3.0% $741
$100,000 to $124,999 6,964 12.0% $869
$125,000 to $149,999 5,537 9.0% $1089
$150,000 to $174,999 7,103 12.0% $1286
$175,000 to $199,999 3,923 7.0% $1483
$200,000 to $249,999 6,629 11.0% $1784
$250,000 to $299,999 4,214 7.0% $2178
$300,000 to $399,999 3,236 5.0% $2770

Top Home Insurance Agents Near Osceola County, FL

Home Insurance Company Near Osceola County, FL Homeowners Insurance Agency Near Osceola County, FL Address
State Farm Glenn Ritchie 587 Ruby Ct, Maitland, FL, 32751
State Farm Jack Kroening 1300 Palm Bay Rd Ste 4, Palm Bay, FL, 32905-3846
Travelers Kisselback Agency Llc 1118 13TH ST, ST CLOUD, FL, 34769
Liberty Mutual Independent S.S. Nesbitt & Co., Inc. 3130 Citrus Tower Blvd Ste B, Clermont, FL, 34711
Allstate Sydney Harrell 1131 E Vine St, Kissimmee, FL, 34744

Osceola County, FL Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Osceola County, FL

Streets in Osceola County Area Homeowners Insurance Cost
Running Deer Path, Escondido Ct, Delorean Dr, Cattleya Dr, S Latonia St, Friars Cove Ln, Drake Elm Dr, Connecticut Ave, Alsace Dr, Nova Rd$1,087
W Kissimmee Park Rd, Sand Run Rd, Andora Ct, Warwick Ln, 11th St, Cahokia Ct, Fells Cove Ave, Elmo Cir, Ten Mile Rd, S Kenansville Rd$1,196
Ashecroft Dr, 7th St, Glenwick Ct, S Stewart St, Woods St, Hughey St, Emerald Dr, Ashley Ct, Pioneer St, Glassman Rd$1,161
McLaren Cir, Crossing Creek Blvd, Pine Island Dr S, Indianola Rd, Gettysburg Ct, Hackney Rd, Russell St, Daybreak Dr, Northwoods Dr, Kari Dr$1,171
Wyatt Pl, Cumbran Ln, San Vittorino Cir, Blue Horizon Ct, Savage St, Friars Cove Ln, Oak Canopy Ct, N Stewart Ave, Lake Tohopekaliga Blvd, Placetas Ct$1,143
Meadow View Ct, Carrington Way, Chichester Ct, E Cedarwood Cir, S Bermuda Ave, Cherokee Rd, Hazelwood Dr, Hart Ave, Southport Bay Rd, del Aire Ct$1,171
Floridian Dr, Moore St, Aldershot Ct, Oaktree Ln, James Dr, Londra Ln, Basnett Cir, Eliza Ct, Indian Point Cir, Blaze St$1,182
Catfish Cir, N Old Dixie Hwy, 13th St, Caldbeck Way, Bobby Lee Ln, Jade St, Alligator Lake Shore E, Oren Brown Rd, Perching Rd, Alligator Lake Rd$1,159
Happy Trails Rd, Opal Cir, Raleigh St, Gants Cir, Bent Wood Dr, Exuma Rd, N Orlando Ave, Brown Bear Way, Coralwood Cir, Prairie Oaks Ct$1,159
Cervantes Dr, Bay Club Cir, Bitterwood Ct, Acorn Pl, Jason Ridge Ct, Blue Sky Ln, Cumbrian Lakes Ct, Ketch Dr, Apache Trl, Forest Dr$1,195

Osceola County, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Osceola County$173 to $176
South and East Osceola$177
St. Cloud$174
West Brevard$184

Osceola County, 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
South and East Osceola CCD, Osceola County, Florida $178 $237 $356
St. Cloud CCD, Osceola County, Florida $174 $232 $348
West Brevard CCD, Brevard County, Florida $184 $245 $368

Osceola County, 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
Osceola County, FL6.2%21.1%
South and East Osceola5.8%22.98%
St. Cloud6.11%21.49%
West Brevard5.27%20.48%

Osceola County Renters Insurance as a Percentage of Rent

Osceola County Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 636 1.0% $1240
$500 to $749 3,958 12.0% $1915
$750 to $999 10,097 31.0% $2665
$1,000 to $1,499 12,901 40.0% $3790
$1,500 or more 4,292 13.0% $5440

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Florida Farm Bureau Casualty Insurance $1,699
150,000 27 NO Security First Insurance $1,590
150,000 27 NO St. Johns Insurance $1,789
150,000 27 YES Stillwater Property And Casualty Insurance $1,066
150,000 27 NO State Farm Florida Insurance $2,626
150,000 27 NO Tower Hill Select Insurance $1,787
150,000 27 YES Castle Key Indemnity Company Insurance $1,759
150,000 27 YES Federated National Insurance $1,521
150,000 27 YES Florida Family Insurance $1,270
150,000 27 YES Stillwater Property And Casualty Insurance $1,066
150,000 27 YES United Property & Casualty Insurance $994
300,000 12 NA Liberty Mutual Fire Insurance $2,497
300,000 12 NA Safeway Property Insurance $1,524
300,000 12 NA Security First Insurance $1,997
300,000 12 NA Southern Oak Insurance $1,861
300,000 12 NA Tower Hill Select Insurance $1,477
300,000 12 NA American Integrity Insurance $1,708
300,000 12 NA Florida Family Insurance $2,103
300,000 12 NA Southern Fidelity Insurance $1,850
300,000 12 NA United Property & Casualty Insurance $1,937

Latest Home Insurance Reviews by Location

Poinciana, FL

Assurant Specialty Property
The home insurance company I went with was the best price for me and was also able to be bundled with my auto insurance so everything was in one place.
Read more Poinciana home insurance reviews

Kissimmee, FL

Assurant Specialty Property
I recommend my homeowner's insurance.I wish they had a more robust website and longer customer service hours, but overall, I have had no issues with the company.
Read more Kissimmee home insurance reviews

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