Sarasota Insurance Rates:

Sarasota, FL homeowners insurance is about $1,010 to $1,372, about $84-$114/month. Our comprehensive research reveals consumers can save upto $476 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

i would recommend my geico insurance company for home insurance about a 5. i am completely satisfied with my home insurance company.
I would recommend USAA to others if they were in the Military or come from Military families. They offer several different types of services, they have great customer service.
Citizens Property Insurance
i have never called their customer service. i try to stay off the radar to avoid getting dropped.
The offerings are a bit fewer than other companies, but they focus on the best price for what they offer, the basics
The policy offerings of Progressive, in my personal opinion, are far better than other companies that I have used. This is especially true if you reside in the rural Midwest region of the United States.
I like my home insurance company. The customer service is great. I always get a real person on the phone. If they can't answer the question, they refer me to someone who can. They are very fair and I appreciate all they do for me.
Security First Home Insurance
I would definitely recommend this insurance because they are easy to get ahold of, they don’t raise your rates suspiciously and during the hurricanes they have been easy to get ahold of.
Farmer's Insurance
My premium and deductible are lower than other companies I have used. This is because my insurance company allows personalized coverage. I am able to choose a premium and deductible that fits my financial situation.
Security First Home Insurance
This insurance company has always be very comparable in prices and deductibles to the others offering their policies. They are all basically the same.
Assurant Specialty Property
Compared to the other companies premium and deductible my company has the cheapest and the more coverage for the price that is available. They also offered a discount for paying upfront in whole.
Amica Mutual Insurance
Knowing you have home insurance just gives you peace of mind - really bad storms just went through here and we didn't have to (overly) worry about a tree hitting the house or a tornado, etc.
I can't file a claim after the storm because i am told, it's not in my best interest to file now.
State Farm
State farm is slightly more costly than other insurance companies but i feel i am getting a great service and tailored experience to fit my needs.
State Farm
I receive timely emails on my payments and renewals. They are good at being in touch. I have no complaints about that. I think they put a good effort into being in communication with me.
I do not like the insurance agent locally that I was assigned to. The customer service people are great, but the local agent is a bit of a dim bulb, and she e-mails me a lot. I do not like that.
Liberty Mutual
Overall the service from liberty mutual has been pretty good. They seem to have kind and helpful people working there, and I love that our premiums are so much lower than what other companies were going to charge us.
American Integrity Insurance
I appreciate being able to pay premiums in installments which is an improvement from the previous company I was with.
Liberty Mutual
The premium is actually less than our old policy with better coverage. The bundle we have for home/auto/farm is all inclusive and comes out as one payment instead of 3 separate payments. In the past, we have only been able to do farm or house insurance, hard to find an inclusive policy that will not break the bank.
I have never had a bad experience with I contacted the company. They are always polite and are able to answer all of my questions.
I am very happy with my insurance company. I would definitely recommend them to anyone who is looking to obtain insurance. My agent gives personal attention to any of my needs.
State Farm
Nothing to dislike, really. Of course, lower premiums would be welcomed, but I don't feel that the current premium is too high as it is.
The only thing that anyone could dislike is the fact that there are no physical locations. The agency is spread across the country and all transactions must be done online or via phone.
People's Trust Insurance
I would recommend them because they were willing to write the policy when no one else was and their customer service is outstanding.
For not offering inn person support, they do a really good job on the phone and on their website with helping customers out.
I like that the customer service is better than most also that the app is easy to use and easy to decipher.
State Farm
I would recommend this home insurance because of the customer service aspect. They go above and beyond to make sure you understand everything.
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 that they have plenty of insurance options to use that you can bundle together (auto, home, boat, etc) which I know plenty of insurance companies do that but they make it very seamless

Sarasota, FL Homeowners Insurance By Home Value

Sarasota, FL Home Value Total Homes % of Total Average Sarasota, FL Homeowners Insurance
Less than $50,000 3,683 8.0% $142
$50,000 to $59,999 814 1.0% $309
$60,000 to $69,999 1,168 2.0% $381
$70,000 to $79,999 1,377 3.0% $440
$80,000 to $89,999 1,630 3.0% $500
$90,000 to $99,999 1,542 3.0% $559
$100,000 to $124,999 4,462 10.0% $643
$125,000 to $149,999 4,566 10.0% $809
$150,000 to $174,999 4,873 11.0% $964
$175,000 to $199,999 3,433 7.0% $1107
$200,000 to $249,999 6,222 14.0% $1333
$250,000 to $299,999 4,835 11.0% $1631
$300,000 to $399,999 5,281 12.0% $2072

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

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

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

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

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1973 305,000 Wood Shake Roof 2,980 4 > $10,000 Deductible 220 1 Fiber-Cement Siding No
2007 255,000 Tile Roof 2,020 4 > $10,000 Deductible 1360 6 Vinyl siding yes
1968 305,000 Metal Roof 2,600 4 $5000 to $10,000 Deductible 730 2 Brick siding No
1987 205,000 Tile Roof 1,850 4 $1000-$2500 Deductible 220 1 Brick siding yes
1998 330,000 Composition Roof 3,010 4 $500- $1000 Deductible 510 1 Stucco siding No
1993 435,000 Membrane Roof 3,330 4 > $10,000 Deductible 3410 7 Stone Siding yes
1993 295,000 Wood Shake Roof 2,660 4 $2500-$5000 Deductible 970 4 Stone Siding No
1984 295,000 Asphalt Shingles Roof 2,340 4 $2500-$5000 Deductible 3460 12 Vinyl siding No
1984 330,000 Slate Shingles Roof 2,620 4 $500- $1000 Deductible 2150 4 Wood siding yes
1960 160,000 Tile Roof 1,750 3 $500- $1000 Deductible 1900 10 Stucco siding yes
2013 200,000 Composition Roof 1,720 3 $2500-$5000 Deductible 650 2 Brick siding No
1974 320,000 Tile Roof 3,350 4 $5000 to $10,000 Deductible 2040 7 Stucco siding No
2013 105,000 Asphalt Shingles Roof 960 2 $500- $1000 Deductible 940 8 Stucco siding yes
1974 230,000 Shingles Roof 2,280 4 $500 Deductible 4780 10 Stone Siding No
2008 210,000 Shingles Roof 1,590 2 $1000-$2500 Deductible 1840 5 Fiber-Cement Siding No
1985 180,000 Slate Shingles Roof 1,390 2 $1000-$2500 Deductible 990 5 Brick siding No
2012 225,000 Slate Shingles Roof 1,770 2 $2500-$5000 Deductible 3110 10 Fiber-Cement Siding yes
1989 135,000 Wood Shake Roof 1,260 2 $500- $1000 Deductible 1290 6 Stucco siding No
2012 295,000 Shingles Roof 2,200 3 $500- $1000 Deductible 4170 9 Fiber-Cement Siding No
1992 385,000 Wood Shake Roof 2,870 4 > $10,000 Deductible 3060 9 Wood siding yes
1985 140,000 Tile Roof 1,250 3 $2500-$5000 Deductible 610 3 Vinyl siding No
1961 275,000 Slate Shingles Roof 2,140 4 $5000 to $10,000 Deductible 2000 6 Brick siding No
1997 210,000 Asphalt Shingles Roof 1,600 2 $500- $1000 Deductible 1530 4 Stone Siding No
1969 200,000 Tile Roof 1,960 4 $500- $1000 Deductible 2790 10 Stucco siding No
2007 115,000 Slate Shingles Roof 1,060 2 $1000-$2500 Deductible 800 8 Stucco siding yes
1978 120,000 Wood Shake Roof 1,100 2 $500 Deductible 790 5 Stucco siding yes
2006 240,000 Shingles Roof 2,420 4 $1000-$2500 Deductible 2540 6 Fiber-Cement Siding No
1980 195,000 Wood Shake Roof 1,650 2 $2500-$5000 Deductible 1850 9 Brick siding yes
2012 170,000 Metal Roof 1,360 3 $5000 to $10,000 Deductible 450 2 Stone Siding No
1975 170,000 Metal Roof 1,290 3 $500- $1000 Deductible 580 2 Stucco siding No
1964 185,000 Shingles Roof 1,870 3 $5000 to $10,000 Deductible 4830 10 Fiber-Cement Siding No

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