The Villages Insurance Rates:

The Villages, FL homeowners insurance is nearly $1,018 to $1,380, about $84-$115/month. Our exhaustive analysis shows customers can save as much as $480 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

All State
It's very convenient to pay online and i can either pay at one time or monthly.
State Farm
They don’t have many options that i can choose from
All State
When calling for a quote allstate goes through a thorough checklist with full details about what is covered and what is not covered. they email you a declaration page with property details and coverages with limits of liability and applicable deductibles if they apply. they assign you to a local office that is easy to get in touch with when you call-no holds or waiting from my experience.

The Villages, FL Homeowners Insurance By Home Value

The Villages, FL Home Value Total Homes % of Total Average The Villages, FL Homeowners Insurance
Less than $50,000 688 2.0% $132
$100,000 to $124,999 484 1.0% $612
$125,000 to $149,999 1,972 7.0% $768
$150,000 to $174,999 4,484 17.0% $900
$175,000 to $199,999 3,748 14.0% $1044
$200,000 to $249,999 7,068 27.0% $1260
$250,000 to $299,999 4,159 16.0% $1536
$300,000 to $399,999 2,441 9.0% $1956

Top Home Insurance Agents Near The Villages, FL

Home Insurance Company Near The Villages, FL Homeowners Insurance Agency Near The Villages, FL Address
NA Angelo Family Insurance Agency 3923 N Lecanto Hwy , Beverly Hills, FL, 34465
Liberty Mutual Independent Arthur J Gallagher Risk Management Services Inc 200 S ORANGE AVE STE 1350, ORLANDO, FL, 32801
State Farm Bart Blessing 3227 SE Maricamp Rd Ste 102, Ocala, FL, 34471-0832
Travelers Insurance Services Of Central Fl Inc 2910 MAGUIRE RD STE 2004, OCOEE, FL, 34761
Travelers Ronald N Silverman Insurance Agency Inc 770 DELTONA BLVD STE B, DELTONA, FL, 32725

Cost Of Homeowners Insurance By Street Near The Villages, FL

Streets in The Villages Area Homeowners Insurance Cost
SE 84th Ct, SE 175th Columbia Pl, SE 170th Marchmont Pl, SE 70th Royal Pine Ct, SE 70th Avenue Rd, SE 87th Ave, SE 170th Humphreys Loop, SE 168th Kittredge Loop, SE 176 St, SE 96th Ct$1,173
SE 172nd St, SE 92nd Pelham Ave, SE 173rd Pl, SE 82nd Calumet Ave, SE 76th Caledonia Ter, SE 93rd Ave, SE 159th St, SE 108th Ter, SE 171st Harleston St, SE 171st Le Flore Ln$1,173
SE 95th Ct, SE 97th Ter, SE 170th Ln, SE 78th Draughton Ct, SE 82nd Bernwell Ct, SE 178th Madeline Ln, SE 177th Simons Ln, SE 151st Pl, SE 102nd Ter, SE 108th Ave$1,175
SE 81st Ct, SE 83rd Ave, SE 173rd Wisteria St, SE 85th Ct, SE 99th Ave, SE 179th Wesley St, SE 75th Wickson Ct, SE 72nd Deer Run Ave, SE 84th Peyton Ct, SE 96th Ter$1,175
SE 93rd Exeter Ct, SE 174th Clifton Pl, SE 91st Poplar Ter, SE 168th Maplesong Ln, SE 175 St, SE 91st Gaylark Ave, SE 170th Brampton St, SE 88th Ave, SE 168th Lone Oak Loop, SE 93rd Heyward Ave$1,175

The Villages, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
The Villages$179 to $182
Lady Lake$172
Fruitland Park$174
Fruitland Park-Lady Lake$173

The Villages, 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
Lady Lake town, Florida $172 $229 $344
Fruitland Park city, Florida $175 $233 $350
Fruitland Park-Lady Lake CCD, Lake County, Florida $173 $230 $345

The Villages, 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
The Villages, FL7.9%21.8%
Lady Lake8.36%24.4%
Fruitland Park7.09%25.55%
Fruitland Park-Lady Lake7.7%24.35%

The Villages Renters Insurance as a Percentage of Rent

The Villages Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 14 2.0% $1229
$500 to $749 18 2.0% $1904
$750 to $999 83 12.0% $2654
$1,000 to $1,499 327 50.0% $3779
$1,500 or more 205 31.0% $5429

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO American Traditions Insurance $1,304
150,000 27 NO Federated National Insurance $1,735
150,000 27 NO Florida Family Insurance $1,581
150,000 27 NO Florida Farm Bureau Casualty Insurance $1,590
150,000 27 NO Southern Oak Insurance $1,416
150,000 27 NO State Farm Florida Insurance $2,638
150,000 27 NO Stillwater Property And Casualty Insurance $1,378
150,000 27 YES American Integrity Insurance $935
150,000 27 YES American Traditions Insurance $820
150,000 27 YES Federated National Insurance $1,316
150,000 27 YES Florida Peninsula Insurance $948
150,000 27 YES Safeway Property Insurance $802
150,000 27 YES Security First Insurance $868
150,000 27 YES Southern Fidelity Insurance $838
150,000 27 YES State Farm Florida Insurance $2,106
150,000 27 YES Tower Hill Select Insurance $1,083
300,000 12 NA Auto Club Insurance $1,957
300,000 12 NA Liberty Mutual Fire Insurance $2,398
300,000 12 NA Tower Hill Signature Insurance $1,655
300,000 12 NA Universal Insurance $1,795

The Villages, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,500$9,500
Yearly The Villages Homeowner Insurance Premium Example $9,600$8,000
Out of Pocket Expense During Claim$1,500$9,500
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $59,100$57,500
Net Savings to The Villages Home Owner from High Deductible Plan $1,600

The Villages, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario The Villages, FL Home Replacement Value MORE than Home Value The Villages, FL Home Replacement Value LESS than Home Value
Replacement Value $215,000 $126,500
Insurance Premium based on Replacement Value $4,000 $2,350
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $54,000 Risk Exposure from Under Insuring Coverage is $34,500
Premium Impact Insurance cheaper by $650/year Insurance costlier by $1,000/year

Example The Villages Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAllstateGEICO Insurance
Monthly Premium 340507272
Year Built 200520142011
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $175000-$200000$250000-$300000$250000-$300000
Deductible $500 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2002 215,000 Slate Shingles Roof 2,250 3 $1000-$2500 Deductible 2790 10 Wood siding No
2003 265,000 Tile Roof 2,680 4 $5000 to $10,000 Deductible 1990 6 Fiber-Cement Siding yes
2000 195,000 Slate Shingles Roof 1,630 4 $5000 to $10,000 Deductible 2010 9 Brick siding yes
2007 325,000 Asphalt Shingles Roof 2,940 4 $500- $1000 Deductible 1480 3 Fiber-Cement Siding No
2007 345,000 Shingles Roof 3,180 4 $500 Deductible 1960 4 Brick siding yes
2012 195,000 Composition Roof 1,410 3 $500- $1000 Deductible 3850 12 Fiber-Cement Siding yes
2013 285,000 Composition Roof 2,990 4 $5000 to $10,000 Deductible 2480 8 Brick siding No
2011 180,000 Slate Shingles Roof 1,730 3 $500- $1000 Deductible 1970 7 Stucco siding No
2001 410,000 Composition Roof 2,940 4 $5000 to $10,000 Deductible 1010 2 Fiber-Cement Siding yes
2010 190,000 Membrane Roof 1,950 4 $1000-$2500 Deductible 3420 10 Stone Siding yes
2003 255,000 Asphalt Shingles Roof 1,860 4 $500- $1000 Deductible 2660 8 Vinyl siding No
2012 290,000 Membrane Roof 2,290 3 $500 Deductible 1850 4 Fiber-Cement Siding yes
2002 285,000 Wood Shake Roof 2,950 4 $1000-$2500 Deductible 1690 5 Fiber-Cement Siding yes