Oviedo Insurance Rates:

Oviedo, FL homeowners insurance is nearly $1,033 to $1,407, about $86-$117/month. Our thorough research reveals consumers can save upto $488 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Amica
Amica's website is easy to use. it is easy to go on and do things like bill payment
State Farm
State farm has been trying to find a loop hole out of every claim that i submit. absolutely greedy and mischievous!
Progressive
I don’t like the claim process. filing the claim was easy, however, they gave me a very hard time when my home was broken into. it made me feel like they would never pay a claim.

Oviedo, FL Homeowners Insurance By Home Value

Oviedo, FL Home Value Total Homes % of Total Average Oviedo, FL Homeowners Insurance
Less than $50,000 750 3.0% $122
$70,000 to $79,999 246 1.0% $366
$80,000 to $89,999 293 1.0% $414
$90,000 to $99,999 393 1.0% $463
$100,000 to $124,999 1,000 4.0% $536
$125,000 to $149,999 1,441 7.0% $671
$150,000 to $174,999 1,956 9.0% $793
$175,000 to $199,999 1,862 9.0% $915
$200,000 to $249,999 4,055 19.0% $1098
$250,000 to $299,999 3,536 17.0% $1342
$300,000 to $399,999 4,702 23.0% $1708

Top Home Insurance Agents Near Oviedo, FL

Home Insurance Company Near Oviedo, FL Homeowners Insurance Agency Near Oviedo, FL Address
NA M & M Insurors Of Orlando Inc 670 N Orlando Ave Ste 1004A, Maitland, FL, 32751
Travelers Brown & Brown Of Fl Inc-Melbourne 7341 OFFICE PARK PL STE 202A, MELBOURNE, FL, 32940
Liberty Mutual Paulo Perez 4229 W. Lake Mary Blvd., Lake Mary, FL, 32746
Allstate Steven L. Strassman 3895 Lake Emma Rd Ste 113, Lake Mary, FL, 32746
Travelers Sunkey Dealer Insurance Agency Llc 520 N ORLANDO AVE STE 250, WINTER PARK, FL, 32789

Cost Of Homeowners Insurance By Street Near Oviedo, FL

Streets in Oviedo Area Homeowners Insurance Cost
Heirloom Rose Pl, Lindsay Ln, Ashton Ter, Cutoff Branch Ct, Silent Forest Pt, W Co Rd 419, Carillon Park Dr, Twin Rivers Blvd, Atwater Loop, Enderby Pl$1,256
Simmons Rd, Sisso Cove, Kelsey Ave, Elm St, Emerald Dr, Brigham Loop, Evans St, Breezy Pt, Teague Ct, Hemmingway Ct$1,189
Puma Trl, Olean Ct, Park Rd, Channel Side Ct, Old Kerry Ct, Penny Royal Pl, Moccasin Run Rd, Grand Chenier Cove, Yellow Tail Pl, Gema Pl$1,171
S Stone St, Arden Woods Ct, Aruba Cir, Bay Club Rd, Old Lake Harney Rd, Lordmall Ct, Denise St, Conley Dr, N Lake Claire Cir, Hillstream Rd$1,222
Oscelot Trl, Packard Ave, Vernon Loop, Norwood Ct, Aloma Woods Blvd, Tuscora Dr, Black Hammock Rd, Wolfe Ct, Native Ct, Riverwoods Dr$1,261
Lakepark Trl, Garden St, W Chapman Rd, Shangri la Ln, Smithson Dr, Goldsboro Pl, Van Arsdale St, Boston St, Langford Dr, Flint Trl$1,227
Dovehill Way, Old Coventry Ct, Lake Geneva Rd, Wilson Rd, Clubwood Ct, Lake Crescent Dr, Gemini Ct, Elmcrest Pl, Bayside Loop, S Lake Jessup Ave$1,219
Mazurka Dr, Hale Rd, Sultan Cir, Lakeview Ranch Pt, Goldfinch Ct, Whistling Winds Pt, Ironhorse Bnd, Woodpecker Ln, Camellia St, Dean Rd$1,259
N Lake Burkett Ln, Rainbow Trl, Division St, Westminister Ter, Cracker Creek Ct, Ortega St, Warner Dr, Wax Palm Ln, Cranebrook Ct, Sanctuary Dr$1,258
Canoe Birch Pl, Enderby Rd, Wrenfield Ln, McCulloch Rd, Big Oak Bend, Madison Ln, N Central Ave, Bluewater Run, Wharf Creek Ct, Remington Dr$1,261

Oviedo, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Oviedo$182 to $185
Seminole County$179
Black Hammock$186
Geneva$183

Oviedo, 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
Seminole County, Florida $149 $199 $298
Black Hammock CDP, Florida $156 $207 $311
Geneva CDP, Florida $153 $203 $305

Oviedo, 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
Oviedo, FL5.2%18.4%
Oviedo5.15%18.35%
Black Hammock5.89%19.91%
Geneva5.52%30.95%

Oviedo Renters Insurance as a Percentage of Rent

Oviedo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 424 7.0% $1899
$750 to $999 959 16.0% $2649
$1,000 to $1,499 2,822 48.0% $3774
$1,500 or more 1,585 27.0% $5424

Average Cost Of Home Insurance By Company In Areas Nearby Oviedo 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 $2,488
150,000 27 NO State Farm Florida Insurance $2,524
150,000 27 NO Tower Hill Preferred Insurance $1,823
150,000 27 NO Tower Hill Prime Insurance $1,843
150,000 27 NO Tower Hill Signature Insurance $2,105
150,000 27 YES Castle Key Indemnity Company Insurance $1,956
150,000 27 YES Federated National Insurance $1,269
150,000 27 YES First Community Insurance $1,255
150,000 27 YES Tower Hill Prime Insurance $1,275
150,000 27 YES Tower Hill Select Insurance $1,181
150,000 27 YES Tower Hill Signature Insurance $1,596
300,000 12 NA American Traditions Insurance $1,196
300,000 12 NA Auto Club Insurance $2,512
300,000 12 NA Florida Family Insurance $2,174
300,000 12 NA Liberty Mutual Fire Insurance $2,829
300,000 12 NA Safeway Property Insurance $1,353

Oviedo, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$6,800
Yearly Oviedo Homeowner Insurance Premium Example $4,300$3,100
Out of Pocket Expense During Claim$800$6,800
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $26,600$25,400
Net Savings to Oviedo Home Owner from High Deductible Plan $1,200

Oviedo, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Oviedo, FL Home Replacement Value MORE than Home Value Oviedo, FL Home Replacement Value LESS than Home Value
Replacement Value $218,500 $138,000
Insurance Premium based on Replacement Value $4,725 $2,975
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $59,000 Risk Exposure from Under Insuring Coverage is $21,500
Premium Impact Insurance cheaper by $475/year Insurance costlier by $1,275/year

Example Oviedo Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateGEICO InsuranceState Farm
Monthly Premium 246427909
Year Built 200619982013
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $200000-$250000$250000-$300000$500000-$600000
Deductible $2500-$5000 Deductible$1000-$2500 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Oviedo, 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 625,000 Membrane Roof 4,400 5 > $10,000 Deductible 5580 9 Fiber-Cement Siding No
2007 185,000 Shingles Roof 1,660 3 $5000 to $10,000 Deductible 350 2 Vinyl siding yes
2011 330,000 Shingles Roof 2,460 5 $1000-$2500 Deductible 600 1 Vinyl siding yes
1992 270,000 Shingles Roof 2,140 3 $5000 to $10,000 Deductible 3640 12 Vinyl siding No
2013 270,000 Asphalt Shingles Roof 1,760 3 $500- $1000 Deductible 3920 8 Stucco siding yes
2013 320,000 Slate Shingles Roof 2,600 4 $5000 to $10,000 Deductible 1820 7 Wood siding yes
2012 315,000 Membrane Roof 2,000 4 > $10,000 Deductible 1220 4 Brick siding No
2002 310,000 Shingles Roof 2,320 5 $500- $1000 Deductible 6020 12 Fiber-Cement Siding yes
1995 625,000 Metal Roof 4,740 5 $500 Deductible 8400 6 Stone Siding No
2010 220,000 Shingles Roof 1,460 3 $2500-$5000 Deductible 310 1 Vinyl siding yes
2014 190,000 Composition Roof 1,200 3 $2500-$5000 Deductible 1630 5 Stucco siding yes
2011 385,000 Slate Shingles Roof 2,990 4 > $10,000 Deductible 2300 10 Vinyl siding yes
2013 640,000 Metal Roof 4,890 5 $5000 to $10,000 Deductible 3170 6 Stone Siding yes
2006 210,000 Composition Roof 1,711 3 $5000 to $10,000 Deductible 4650 10 Stucco siding No