Sarasota Insurance Rates:

Sarasota ,FL Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Sarasota, FL homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Sarasota, FL is $2026. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Sarasota, FL: Customer-Reviewed Options


Sarasota, FL Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Sarasota, FL. VHome Insurance will help you navigate the world of homeowners insurance coverages in Sarasota, FL.

Coverage Level Average Annual Premium
$100,000 $810
$200,000 $1,378
$300,000 $1,702
$400,000 $2,593
$500,000 $3,262


Sarasota, FL Homeowners Insurance Rates by ZIP Code

Home insurance costs in Sarasota can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
034236 $2,251
34240 $2,030
34241 $1,975
34243 $1,923
34239 $1,936
34233 $1,913
34235 $1,887
34237 $1,842


Sarasota, FL Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Sarasota, FL, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $2,077
$1000 Deductible $1,858
$1500 Deductible $1,752
$2500 Deductible $1,580
$5000 Deductible $1,337



Top Home Insurance Agents Near Sarasota, FL

Home Insurance Company Near Sarasota, FL Homeowners Insurance Agency Near Sarasota, FL Address
NA Aa Insurance Central 3704 Us Hwy 301 Ste 2, Ellenton, FL, 34222
NA Artisan Insurance Group, Inc. 1102 Lithia Pinecrest Rd, Brandon, FL, 33511
NA Secur-All Agency, Inc. 510 Bay Isles Road Suite E , Longboat Key, FL, 34228
Travelers M E Wilson Co Inc 300 W Platt St, TAMPA, FL, 33606
Travelers Newsome And Associates 325 N BELCHER RD 2ND FL, CLEARWATER, FL, 33765

Sarasota, FL Home Insurance Agents for Top Companies


Sarasota, 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
Fruitville CDP, Florida $149 $198 $297
Sarasota Springs CDP, Florida $145 $193 $289
Lake Sarasota CDP, Florida $147 $196 $294


Sarasota, 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
Sarasota, FL5.9%17.5%
Sarasota Springs6.73%20.55%
Lake Sarasota6.02%24.71%

Sarasota Renters Insurance as a Percentage of Rent

Sarasota Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 268 1.0% $331
$200 to $299 392 1.0% $781
$300 to $499 765 3.0% $1231
$500 to $749 2,986 13.0% $1906
$750 to $999 6,013 27.0% $2656
$1,000 to $1,499 7,605 35.0% $3781
$1,500 or more 3,490 16.0% $5431

Cost Of Homeowners Insurance By Street Near Sarasota, FL

Streets in Sarasota Area Homeowners Insurance Cost
Clematis St, S Owl Dr, Wilkinson Woods Dr, Secretariat Way, Cll de Rio, Juniper Pl, Pinecrest Way, W Milmar Dr, Palmadelia Ave, Marlborough Pl$1,154
Miguel Ln, Irving St, Colt Ln, Highland St, Medici Ct, Center Pl, Sunnyside Ct, Mill Ter, Aruba Pl, Greendale Dr$1,202
Columbus Blvd, Sunnydale Cir N, Spring Oaks Cir, S Lake Shore Dr, Mourning Dove Dr, Bucida Dr, Aventura Dr, Sylvan Lea Dr, Hamlets Blvd, Arch Way$1,327
Yellow Wood Pl, Middle Ave, Clover Ln, Espanola Ave, Patty Way, Chrysler Ave, Stonehaven Ln, Riviera Dr, Bradford Way, Gold Trees Way$1,175
Ainsley Pl, Winslow Beacon, W Paulstan Ct, Florida Ave, Mahony Ln, Bon Air Ave, Georgetowne Cir, Origami Ln, 44th St, Oriole Dr$1,222
Hina Dr, Freeman Ave, Bruce Ln, Harold Ave, Cipriani Way, Paota Pl, Glen Elyn Blvd, Three Oaks Blvd, Trentwood Pl, Systems Ct$1,173
Burns Ct, S Links Ave, Leisure Pl, Washington Ct, Herons Run Dr, Sesame St, Briar Creek Way, Piper Pl, Whitegate Ct, Garfield Dr$1,193
Waldemere St, Cattlemen Ln, Hamlet Grove Dr, 36th St, Dudley Pl, Kestral Park Ter, Monroe Dr, Church Ave, Gocio Rd Exd, Magnolia St$1,140
Hancock Ave, W Rainbow Cir, N Leewynn Dr, Elizabeth Ave, Whisperwood, Bay Rd, Quail Hollow St, Pomelo Pl, Lei Dr, Asbury Pl$1,203
Alden Way, Hollingsworth Ave, 2nd Ct, Dodge Ave, Palonia Ct, Brewer Pl, Glendale Cir W, Mound St, Ingram Ave, Tremont St$1,185

Sarasota, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Sarasota$178 to $181
Sarasota Springs$173
Lake Sarasota$176

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO First Community Insurance $2,762
150,000 27 NO Liberty Mutual Fire Insurance $2,581
150,000 27 NO Stillwater Property And Casualty Insurance $2,625
150,000 27 YES Federated National Insurance $1,252
150,000 27 YES Liberty Mutual Fire Insurance $1,315
150,000 27 YES Southern Oak Insurance $1,574
150,000 27 YES Tower Hill Preferred Insurance $1,693
150,000 27 YES Universal Insurance $1,203
300,000 12 NA Safeway Property Insurance $2,400
300,000 12 NA Stillwater Property And Casualty Insurance $1,748


Sarasota, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Sarasota Homeowner Insurance Premium Example $5,700$5,200
Out of Pocket Expense During Claim$1,200$2,200
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $18,300$17,800
Net Savings to Sarasota Home Owner from High Deductible Plan $500


Sarasota, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Sarasota, FL Home Replacement Value MORE than Home Value Sarasota, FL Home Replacement Value LESS than Home Value
Replacement Value $137,000 $102,500
Insurance Premium based on Replacement Value $2,275 $1,700
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $21,000 Risk Exposure from Under Insuring Coverage is $13,500
Premium Impact Insurance cheaper by $225/year Insurance costlier by $350/year


Example Sarasota Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceState FarmAllstate
Monthly Premium 186283279
Year Built 199520101989
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 2 Baths
Coverage Amount $100000-$125000$150000-$175000$200000-$250000
Deductible $500- $1000 Deductible$500- $1000 Deductible$2500-$5000 Deductible