Sanford Insurance Rates:

Sanford, FL homeowners insurance is approximately $1,013 to $1,378, about $84-$114/month. Our complete guide shows customers can save upto $478 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

My insurance company's policy offerings are, from what I can tell, the same as any other company's high caliber offerings -- levels of coverages, etc.; available discounts may be better with Allstate.
State Farm
My deductible was/is $1500. As far as I know, that's competitive with other insurance policies. Last time I actually had to use it, that $1,500 was well worth it.
The Hartford
The company offers more than just home insurance. i was able to combine multiple coverage plans for a better deal.
State Farm
When i contacted my agent about a claim, she was very kind and helpful. she walked me through the process in a way that made the process easy.
When i need to view or adjust my coverage, i can easily access my information online or over the phone. they have always done their job quickly and efficiently.
I wish that by choosing to use Allstate for both my auto and home insurance, they would offer better incentives or discounts.
They are always helpful and polite when I call in about anything.
I have only had a few time I needed to contact them. Usually, it is billing and gets handled rather quickly.
Citizens Property Insurance
The app works okay, but sometimes crashes, and I reinstall it. Otherwise, it's pretty easy to use and efficient. I tend not to use the app because I do most of my "accounts" work on my laptop.
State Farm
My home office is excellent. They've helped out on many occasions. Out of town office horrible. I also don't like that the state farm in the neighboring town always sends advertisements to get my business. It just seems like the real disconnect in their company as a whole.
Homeowner's Choice
Their customer service over the phone while trying to resolve any issues is absolutely horrible. Long wait time just to talk to someone.
Tower Hill Insurance
I feel as though I'm receiving the insurance that I need for the best price. Of course, I wish it was cheaper but overall I am happy with it.
They were cheaper and had better overall coverage than other companies we looked at. They were cheaper than state farm who we were with
Security First Home Insurance
I haven't found anything as of yet to dislike. If anything, I would like direct information on a website or an app. Not sure if this company has that or not.
The excellent product line, coverage, customer service and, best of all, prices. I'm paying 50% less than my previous carrier charged and have more coverage.
Good customer service, national recognition,
American Integrity Insurance
They offer great coverage at a great rate. I have not had a claim but I hear claims handling is fast and fair.
State Farm
I would recommend this company for their friendliness and willlingess to work with you concerning prices and how you want your home covered.
Olympus Insurance
I will recommend to other because it gives more output and good result to all the policy customer and the policy offering is also good.
I would definitely recommend bc Geico is fast, caring and loyal. All qualities that are wonderful to have during a vulnerable time.
Definitely i will recommend to someone like my close friends , colleague, or family members. Because of their subsidy policy. Last year i received for proper installment pay.
State Farm
Compared to other companies such as Farmers, being under-insured seems to be a fairly common issue, although this has not been a problem for me in particular.
Florida Farm Bureau Insurance
There is really nothing to dislike. So far I have had a good experience. However, I haven't had to file a claim. I do wish they would cover floods and sinkholes, but no company does that. You have to buy that separately
I like this company because in my experience they offer the lowest rates, their agents and representatives have been the best to work with offering superior customer service, and I feel like I have the best possible coverage for both my home and auto.
Liberty Mutual
The only issue that I have with them is the fact that they do not have local agents in my area, even though they have lots of customers in my area. This only was ever an issue when we had a question about flooding in our basement and what our coverage options were. I would have appreciated someone taking the time to come over and look at our situation and tell us what our options were instead of trying to figure things out over the phone.
Assurant Specialty Property
I would recommend the company to others in the basis of policy options, customer service and my personal satisfaction.

Sanford, FL Homeowners Insurance By Home Value

Sanford, FL Home Value Total Homes % of Total Average Sanford, FL Homeowners Insurance
Less than $50,000 1,236 5.0% $143
$50,000 to $59,999 341 1.0% $298
$60,000 to $69,999 553 2.0% $370
$70,000 to $79,999 729 2.0% $430
$80,000 to $89,999 1,220 4.0% $478
$90,000 to $99,999 1,019 4.0% $537
$100,000 to $124,999 2,103 8.0% $633
$125,000 to $149,999 2,411 9.0% $788
$150,000 to $174,999 2,791 11.0% $932
$175,000 to $199,999 1,965 7.0% $1075
$200,000 to $249,999 3,656 14.0% $1290
$250,000 to $299,999 3,145 12.0% $1577
$300,000 to $399,999 3,419 13.0% $2007

Top Home Insurance Agents Near Sanford, FL

Home Insurance Company Near Sanford, FL Homeowners Insurance Agency Near Sanford, FL Address
Allstate Andy Turner 232 S Courtenay Pkwy, Merritt Island, FL, 32952
Travelers Rest Assured Insurance & Financial Serv Llc 1817 CRESCENT BLVD #101-E, ORLANDO, FL, 32817
State Farm Stan Harrison 207 Magnolia St, New Smyrna Beach, FL, 32168-7125
Travelers Wiltjer Insurance Agency Inc 17521 US HWY 441 STE 1, MOUNT DORA, FL, 32757
NA Erb And Young Insurance, Inc. 7575 Dr. Phillips Blvd. Suite 245 , Orlando, FL, 32819

Sanford, FL Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Sanford, FL

Streets in Sanford Area Homeowners Insurance Cost
25th Pl, Emma Oaks Trl, Crockett Pt, Peach Ave, E 20th St, W 17th St, Smedley Ln, Panama Pl, Southwest Rd, Island Lake Dr$1,132
E Airport Blvd, Tallow Tree Rd, Stone Gate N, Marjorie Blvd, Great Egret Dr, Woodland Ct, Long Leaf Pine Cir, Ulrich Pt, Vista Rd, Central Dr$1,136
N Mellonville Ave, Avon Glade Pl, Highcroft Ct, Castle Brewer Ct, Sagana Pt, Amethyst Ct, Northridge Dr, Trevor Ct, Cypress Ridge Ct, Main Rd$1,264
Yale Dr, Club Ct, Long Creek Cove W, Lamplighter Dr, E 29th St, Glenway Dr, Old Lake Mary Rd, Walden View Dr, Pine Bay Dr, Rosalia Dr$1,159
Valencia St, E 26th Pl, Glade View Dr, Cahill Way, Lake Como Dr, Poinsetta Ave, Schilke Way, Bolivia Ct, Bloomsbury Run, N High St$1,265
Napoli Cove, Fox Glove Ln, Polo Ln, Barn Owl Loop, Whitner Way, Longwood Markham Rd, E 14th St, Ridge Lake Ct, Overoaks Ln, N Elm Ave$1,272
Smith Canal Rd, Green Ash Ln, Pepperdine Ln, Bush Loop, Center Oak Trl, N Poplar Ave, Mimosa Ter, Morrison Ave, Key Haven Dr, Hunters Trl$1,143
Wild Cherry Ct, Water Oak, Sunshine Tree Blvd, Sunset Dr, Bieder Ave, Towne Center Cir, S Myrtle Ave, Vespers Pl, Birmingham Ct, Co Rd 425$1,130
Mill Run Dr, Pine Oak Trl, Northumbria Dr, Wylly Ave, Sunvista Ct, Pigeon Ln, Teakwood Ct, Spinnaker Way, Willow Oak Ln, Terra St$1,260
W 26th St, S Mellonville Ave, Milltowne Way, Paola Rd W, Wellsford Way, Lowe Castle Ln, Markham Rd, Grange Cir, Messina Dr, Mallard Dr$1,204

Sanford, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Sanford$178 to $180
Lake Mary$184

Sanford, 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
Lake Mary city, Florida $154 $205 $308
Heathrow CDP, Florida $166 $221 $331
Longwood city, Florida $148 $197 $295

Sanford, 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
Sanford, FL5.7%21.7%
Lake Mary4.91%19.99%

Sanford Renters Insurance as a Percentage of Rent

Sanford Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 308 2.0% $330
$200 to $299 142 1.0% $780
$300 to $499 757 5.0% $1230
$500 to $749 1,691 12.0% $1905
$750 to $999 3,708 28.0% $2655
$1,000 to $1,499 4,819 36.0% $3780
$1,500 or more 1,678 12.0% $5430

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Southern Oak Insurance $1,722
150,000 27 NO St. Johns Insurance $1,635
150,000 27 NO Tower Hill Preferred Insurance $1,823
150,000 27 NO Universal Insurance $2,027
150,000 27 YES American Traditions Insurance $822
150,000 27 YES Castle Key Indemnity Company Insurance $1,956
150,000 27 YES Federated National Insurance $1,269
150,000 27 YES Security First Insurance $1,161
150,000 27 YES State Farm Florida Insurance $1,850
300,000 12 NA Asi Preferred Insurance $1,574
300,000 12 NA Castle Key Indemnity Company Insurance $2,868
300,000 12 NA Florida Farm Bureau Casualty Insurance $1,467
300,000 12 NA Liberty Mutual Fire Insurance $2,829
300,000 12 NA St. Johns Insurance $1,581
300,000 12 NA State Farm Florida Insurance $3,150
300,000 12 NA Tower Hill Select Insurance $1,483

Sanford, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Sanford Homeowner Insurance Premium Example $5,400$4,900
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 4 years + Out of Pocket Expense for Claim $23,400$22,400
Net Savings to Sanford Home Owner from High Deductible Plan $1,000

Sanford, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Sanford, FL Home Replacement Value MORE than Home Value Sanford, FL Home Replacement Value LESS than Home Value
Replacement Value $184,500 $138,500
Insurance Premium based on Replacement Value $2,975 $2,225
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $19,000 Risk Exposure from Under Insuring Coverage is $27,000
Premium Impact Insurance cheaper by $450/year Insurance costlier by $300/year

Example Sanford Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmTravelersChubb Group of Insurance
Monthly Premium 267239574
Year Built 200119972011
Home Details 3 Beds, 1 Baths2 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $175000-$200000$175000-$200000$300000-$350000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1998 170,000 Membrane Roof 1,280 2 $1000-$2500 Deductible 2010 8 Brick siding No
2011 105,000 Membrane Roof 1,000 2 $1000-$2500 Deductible 290 2 Stone Siding No
1999 220,000 Tile Roof 2,070 4 $1000-$2500 Deductible 270 1 Vinyl siding No
2011 225,000 Asphalt Shingles Roof 1,940 5 $500- $1000 Deductible 1360 4 Brick siding yes
1993 235,000 Shingles Roof 2,230 3 $500- $1000 Deductible 5380 12 Stone Siding yes
1997 235,000 Asphalt Shingles Roof 2,020 3 > $10,000 Deductible 480 2 Vinyl siding yes
1994 270,000 Wood Shake Roof 2,890 5 $5000 to $10,000 Deductible 990 5 Stucco siding yes
1999 150,000 Tile Roof 1,390 2 $2500-$5000 Deductible 630 3 Brick siding yes
2010 215,000 Membrane Roof 2,140 4 > $10,000 Deductible 760 5 Stone Siding yes
2001 520,000 Slate Shingles Roof 4,690 5 $2500-$5000 Deductible 2570 6 Vinyl siding No
2006 175,000 Asphalt Shingles Roof 1,670 3 $1000-$2500 Deductible 1850 9 Brick siding yes
2014 350,000 Shingles Roof 3,160 5 $500 Deductible 390 1 Fiber-Cement Siding No
2012 360,000 Asphalt Shingles Roof 3,010 4 $500 Deductible 690 1 Stucco siding yes
1993 255,000 Asphalt Shingles Roof 1,890 3 $500- $1000 Deductible 1800 6 Stucco siding No
2010 270,000 Metal Roof 2,430 4 $500 Deductible 6480 12 Vinyl siding yes
2000 455,000 Composition Roof 3,370 4 $5000 to $10,000 Deductible 3940 8 Wood siding No
2002 155,000 Asphalt Shingles Roof 1,450 2 $2500-$5000 Deductible 150 1 Stone Siding No
2008 220,000 Membrane Roof 1,690 2 $500- $1000 Deductible 2450 8 Stone Siding yes
2004 250,000 Wood Shake Roof 1,800 3 $1000-$2500 Deductible 430 1 Stucco siding No
2010 250,000 Wood Shake Roof 2,320 4 $5000 to $10,000 Deductible 2190 9 Stucco siding yes
1998 345,000 Metal Roof 2,660 5 $500 Deductible 7970 9 Brick siding No
2008 470,000 Membrane Roof 4,420 5 > $10,000 Deductible 1590 4 Stone Siding No
2008 410,000 Composition Roof 2,940 4 $1000-$2500 Deductible 2410 5 Stucco siding yes
1990 365,000 Tile Roof 2,690 4 $5000 to $10,000 Deductible 3090 7 Stone Siding yes
2012 325,000 Metal Roof 3,140 4 > $10,000 Deductible 260 1 Stucco siding yes
1996 290,000 Tile Roof 2,840 4 $500 Deductible 4800 9 Fiber-Cement Siding No
2000 225,000 Slate Shingles Roof 2,380 5 $1000-$2500 Deductible 290 1 Fiber-Cement Siding yes
1990 265,000 Wood Shake Roof 2,230 3 $500- $1000 Deductible 6090 10 Stone Siding No
2005 115,000 Composition Roof 1,210 3 $2500-$5000 Deductible 560 6 Wood siding No
2004 155,000 Asphalt Shingles Roof 1,280 3 $500 Deductible 780 3 Stone Siding No
1996 285,000 Asphalt Shingles Roof 2,898 4 $500 Deductible 1210 2 Vinyl siding No

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