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.
| Home Insurance Company Near Oviedo, FL | Homeowners Insurance Agency Near Oviedo, FL | Address |
|---|---|---|
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Oviedo, FL | 5.2% | 18.4% |
| Oviedo | 5.15% | 18.35% |
| Black Hammock | 5.89% | 19.91% |
| Geneva | 5.52% | 30.95% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Oviedo | $182 to $185 |
| Seminole County | $179 |
| Black Hammock | $186 |
| Geneva | $183 |
| Home value ($) | 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 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | Allstate | GEICO Insurance | State Farm |
| Monthly Premium | 246 | 427 | 909 |
| Year Built | 2006 | 1998 | 2013 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 3 Baths | 5 Beds, 3 Baths |
| Coverage Amount | $200000-$250000 | $250000-$300000 | $500000-$600000 |
| Deductible | $2500-$5000 Deductible | $1000-$2500 Deductible | $500- $1000 Deductible |