Sebring, FL homeowners insurance is nearly $959 to $1,304, about $79-$108/month. Our exhaustive analysis shows customers can save as much as $452 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near Sebring, FL | Homeowners Insurance Agency Near Sebring, FL | Address |
|---|---|---|
| Travelers | Berger Insurance Associates Llc | 425 SW PARK STREET, OKEECHOBEE, FL, 34974 |
| Allstate | Bruce Sanders | 767 Cypress Gardens Blvd, Winter Haven, FL, 33880 |
| State Farm | Rob Semans | 639 1st St S, Winter Haven, FL, 33880 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Highlands County, Florida | $142 | $189 | $283 |
| Avon Park CCD, Highlands County, Florida | $141 | $187 | $281 |
| Lake Placid CCD, Highlands County, Florida | $143 | $190 | $285 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Sebring, FL | 9.0% | 28.0% |
| Highlands County | 8.57% | 27.71% |
| Avon Park | 7.99% | 26.91% |
| Lake Placid | 8.57% | 28.07% |
| Sebring Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 101 | 2.0% | $347 |
| $200 to $299 | 175 | 4.0% | $797 |
| $300 to $499 | 410 | 11.0% | $1247 |
| $500 to $749 | 1,246 | 34.0% | $1922 |
| $750 to $999 | 953 | 26.0% | $2672 |
| $1,000 to $1,499 | 656 | 18.0% | $3797 |
| $1,500 or more | 66 | 1.0% | $5447 |
| Streets in Sebring Area | Homeowners Insurance Cost |
|---|---|
| N Ridgewood Dr, Tangelo St, Combee St, Atkins Rd, Ripley Dr, Tractor Rd, S Eucalyptus St, South Dakota Dr, Park Plz, Carrington Ave | $1,100 |
| Okinawa Ave, Co Rd 700, Bond Ave, Mattee Dr, Waterway Dr, Romeo St, Glenwood Ave, Lost Ball Dr, 8th St, Costa Brava Dr | $1,107 |
| Shelby St, Maravilla Ave, Parrot Ave, Sunset Ln, Silver Palm Dr, Oceanside Dr, Oak Rd, Winston Dr, Elm Pl, Queen Palm Ave | $1,157 |
| Lake Sebring Dr, N Lake Sebring Dr, Pleasant Ln, SW Lakeview Dr, Oceaster Ave, Rodeo Dr S, Bassage Rd, Snyder Rd, Contour St, Hawk Ave | $1,138 |
| Greenway Ter, Sunset Ct, Las Vegas Blvd, Benz Ter, Elson Ave, Newman Rd, Skipper Rd, Tern Ave, Gardenia Ter, Hawthorn Ln | $1,110 |
| Comet Ter, Oak Rd, West Virginia Dr, S Commerce Ave, 4th Ave, Robin Ln, Wrightman Ave, N Orange St, Lime St, Ulmann Dr | $1,103 |
| Poinsettia Ave, Crestview Dr, Amy Rd, Hartt Rd, Beech Ln, 1st Ave W, Ruby Ter, Bristol St, Doe Run, Queenswood Dr | $1,161 |
| Taseschee Dr, Lakeside Dr W, Alpine Ter, Blossom Dr, Limpkin St, Ymca Ln, Orange Ct, Vicki Dr, 7th St, US Hwy 27 N | $1,162 |
| 14th St S, Andes Ct, Minerva St, Oxbow Dr, Tubbs Rd, Swan Ln, Max Ave, Cash St, Vicki Ter, Longwood Rd | $1,110 |
| Bunker Dr, Falcon Ave, Cardinal Rd, Greenway Pl, Strafford Oaks Dr, Manatee Dr, Park Crest Ter, Maya Ct, Swan Dr, Hollywood Blvd | $1,154 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Sebring | $169 to $172 |
| Highlands County | $170 |
| Avon Park | $169 |
| Lake Placid | $171 |
| Home value ($) | Age of home (years) | Wind mitigation | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150,000 | 27 | NO | Federated National Insurance | $2,172 |
| 150,000 | 27 | NO | First Community Insurance | $2,172 |
| 150,000 | 27 | NO | Security First Insurance | $1,818 |
| 150,000 | 27 | NO | Tower Hill Prime Insurance | $1,370 |
| 150,000 | 27 | NO | Tower Hill Signature Insurance | $2,426 |
| 150,000 | 27 | NO | United Property & Casualty Insurance | $1,840 |
| 150,000 | 27 | NO | Universal Insurance | $2,391 |
| 150,000 | 27 | YES | Castle Key Indemnity Company Insurance | $1,650 |
| 150,000 | 27 | YES | Liberty Mutual Fire Insurance | $1,419 |
| 150,000 | 27 | YES | Safeway Property Insurance | $994 |
| 150,000 | 27 | YES | Tower Hill Select Insurance | $1,154 |
| 150,000 | 27 | YES | Tower Hill Signature Insurance | $1,605 |
| 150,000 | 27 | YES | Universal Insurance | $1,158 |
| 300,000 | 12 | NA | American Traditions Insurance | $1,464 |
| 300,000 | 12 | NA | First Community Insurance | $2,256 |
| 300,000 | 12 | NA | First Protective Insurance | $1,913 |
| 300,000 | 12 | NA | Florida Peninsula Insurance | $2,034 |
| 300,000 | 12 | NA | Safeway Property Insurance | $1,376 |
| 300,000 | 12 | NA | Southern Oak Insurance | $2,468 |
| 300,000 | 12 | NA | State Farm Florida Insurance | $3,987 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,600 | $3,600 |
| Yearly Sebring Homeowner Insurance Premium Example | $1,700 | $1,300 |
| Out of Pocket Expense During Claim | $1,600 | $3,600 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $15,200 | $14,000 |
| Net Savings to Sebring Home Owner from High Deductible Plan | $1,200 | |
| Scenario | Sebring, FL Home Replacement Value MORE than Home Value | Sebring, FL Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $69,000 | $51,000 |
| Insurance Premium based on Replacement Value | $1,575 | $1,150 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $9,000 | Risk Exposure from Under Insuring Coverage is $9,000 |
| Premium Impact | Insurance cheaper by $225/year | Insurance costlier by $200/year |
| Insurance Company | GEICO Insurance | Chubb Group of Insurance | Liberty Mutual |
| Monthly Premium | 145 | 189 | 269 |
| Year Built | 2001 | 1995 | 2013 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 2 Baths | 4 Beds, 2 Baths |
| Coverage Amount | $75000-$100000 | $125000-$150000 | $150000-$175000 |
| Deductible | $1000-$2500 Deductible | $1000-$2500 Deductible | $500 Deductible |