Wesley Chapel Insurance Rates:

Wesley Chapel, FL homeowners insurance is approximately $990 to $1,346, about $82-$112/month. Our thorough research indicates shoppers can save upto $467 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Wesley Chapel, FL Homeowners Insurance By Home Value

Wesley Chapel, FL Home Value Total Homes % of Total Average Wesley Chapel, FL Homeowners Insurance
Less than $50,000 342 3.0% $175
$50,000 to $59,999 149 1.0% $374
$60,000 to $69,999 426 3.0% $467
$70,000 to $79,999 272 2.0% $537
$80,000 to $89,999 315 2.0% $607
$90,000 to $99,999 404 3.0% $678
$100,000 to $124,999 1,303 11.0% $783
$125,000 to $149,999 1,864 16.0% $981
$150,000 to $174,999 1,484 13.0% $1169
$175,000 to $199,999 1,059 9.0% $1344
$200,000 to $249,999 1,915 17.0% $1624
$250,000 to $299,999 876 7.0% $1987
$300,000 to $399,999 775 6.0% $2525

Top Home Insurance Agents Near Wesley Chapel, FL

Home Insurance Company Near Wesley Chapel, FL Homeowners Insurance Agency Near Wesley Chapel, FL Address
NA Brightway Insurance, Inc. 1004 Us Hwy 19 Ste 103 , Holiday, FL, 34690
NA Carden & Associates, Inc. 60 Fourth St Sw Winter Haven, Winter Haven, FL, 33880
NA All Acceptance Insurance 773 W Montrose Street, Clermont, FL, 34711
Allstate Debbie Bates 837 Cypress Village Blvd, Ruskin, FL, 33573
Liberty Mutual Olga Sevila 3550 Buschwood Park Dr Ste. 300, Tampa, FL, 33618

Wesley Chapel, FL Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Wesley Chapel, FL

Streets in Wesley Chapel Area Homeowners Insurance Cost
Rathdown Ln, Burke Mill Pl, Beaconsfield Dr, Penny Royal Rd, Blazing Trails Way, Co Rd 581, Saddlebrook Way, Temple Stand Ave, Twisting Ln, Wesley Brook Dr$1,157
Stoney Hill Dr, Caroline Dr, Ashfield Pl, Pomello Trce, Ashley Pines Pl, Copper Ridge Dr, Appian Pl, Emory Dr, Beaver Creek Dr, Tarpon Ct$1,157
Grand Forks Dr, Sand Crane Ct, Chapel Creek Cir, Stormcloud Pass, Creekridge Dr, Oakside Blvd, Ernest Dr, Cutwater Ln, Woodridge Ct, Ravello St$1,186
Branchwood Ct, Cobbler Dr, New River Rd, Elderwood Dr, Liriope Loop, Kieffer Rd, Clementine Ln, Baymont Loop, Bridgegate Dr, Shore Acres St$1,158
Sky Lake Cir, Broken Bow Dr, Goodwick Way, Moss Hill St, Joiner Ct, Beech Grove Ln, Boyette Rd, Pecan Valley Loop, Blackwater Dr, Standing Reed Pl$1,168

Wesley Chapel, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Wesley Chapel$174 to $177
Pebble Creek$180
Land O' Lakes$177
Zephyrhills West$166

Wesley Chapel, 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
Pebble Creek CDP, Florida $180 $240 $360
Land O' Lakes CDP, Florida $178 $237 $356
Central Pasco CCD, Pasco County, Florida $177 $236 $354

Wesley Chapel, 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
Wesley Chapel, FL5.9%20.6%
Pebble Creek5.03%16.09%
Land O' Lakes5.7%20.7%
Central Pasco5.78%20.56%

Wesley Chapel Renters Insurance as a Percentage of Rent

Wesley Chapel Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 173 4.0% $1912
$750 to $999 707 19.0% $2662
$1,000 to $1,499 1,762 48.0% $3787
$1,500 or more 977 26.0% $5437

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO State Farm Florida Insurance $8,563
150,000 27 NO Universal Property & Casualty Insurance $2,039
150,000 27 YES Citizens Property Insurance $2,351
150,000 27 YES Southern Oak Insurance $2,521
150,000 27 YES St. Johns Insurance $1,495
300,000 12 NA Auto Club Insurance $7,883
300,000 12 NA Florida Peninsula Insurance $2,866
300,000 12 NA Tower Hill Prime Insurance $2,232

Wesley Chapel, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Wesley Chapel Homeowner Insurance Premium Example $3,500$2,500
Out of Pocket Expense During Claim$600$2,600
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $11,100$10,100
Net Savings to Wesley Chapel Home Owner from High Deductible Plan $1,000

Wesley Chapel, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Wesley Chapel, FL Home Replacement Value MORE than Home Value Wesley Chapel, FL Home Replacement Value LESS than Home Value
Replacement Value $233,000 $136,000
Insurance Premium based on Replacement Value $4,875 $2,850
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $58,000 Risk Exposure from Under Insuring Coverage is $39,000
Premium Impact Insurance cheaper by $825/year Insurance costlier by $1,200/year

Example Wesley Chapel Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceLiberty MutualGEICO Insurance
Monthly Premium 194240584
Year Built 200019922011
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $100000-$125000$175000-$200000$350000-$400000
Deductible $500 Deductible$500- $1000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2000 225,000 Metal Roof 2,140 4 $5000 to $10,000 Deductible 290 1 Fiber-Cement Siding yes
2007 145,000 Tile Roof 1,680 4 $500- $1000 Deductible 2120 10 Vinyl siding yes
1999 165,000 Shingles Roof 1,760 4 $5000 to $10,000 Deductible 180 1 Wood siding No
2010 215,000 Tile Roof 2,260 4 $5000 to $10,000 Deductible 390 2 Stucco siding No
2002 140,000 Asphalt Shingles Roof 1,610 4 $500 Deductible 220 1 Fiber-Cement Siding No
1993 530,000 Shingles Roof 4,980 5 $1000-$2500 Deductible 8520 12 Wood siding yes
2007 400,000 Membrane Roof 4,930 5 > $10,000 Deductible 340 1 Wood siding yes
2013 285,000 Membrane Roof 3,150 4 $2500-$5000 Deductible 3660 12 Vinyl siding yes
2012 265,000 Asphalt Shingles Roof 2,880 4 $500- $1000 Deductible 4140 9 Vinyl siding No
1996 270,000 Shingles Roof 2,970 4 $500- $1000 Deductible 820 2 Fiber-Cement Siding No
1999 220,000 Composition Roof 2,460 4 $500 Deductible 4180 12 Fiber-Cement Siding No
1993 115,000 Membrane Roof 1,460 3 $500 Deductible 1100 9 Brick siding No
1991 180,000 Asphalt Shingles Roof 1,710 4 $5000 to $10,000 Deductible 1050 5 Brick siding No
2004 325,000 Membrane Roof 3,250 4 $500 Deductible 1200 2 Stucco siding yes
1991 245,000 Composition Roof 2,450 4 $500 Deductible 5380 10 Fiber-Cement Siding No
1992 190,000 Shingles Roof 2,260 3 $500- $1000 Deductible 1380 5 Stone Siding yes
2010 180,000 Shingles Roof 2,320 3 $500- $1000 Deductible 1650 6 Fiber-Cement Siding No
2014 200,000 Asphalt Shingles Roof 2,540 4 > $10,000 Deductible 880 4 Stone Siding yes
2001 270,000 Shingles Roof 2,490 4 $500 Deductible 910 3 Vinyl siding yes
1999 165,000 Asphalt Shingles Roof 1,850 5 $5000 to $10,000 Deductible 1880 12 Stucco siding yes
2002 170,000 Metal Roof 1,670 3 $500- $1000 Deductible 210 1 Vinyl siding No
2012 430,000 Shingles Roof 4,700 5 $1000-$2500 Deductible 4550 7 Stone Siding No
2014 190,000 Membrane Roof 1,840 3 $1000-$2500 Deductible 1260 6 Stucco siding No
2007 265,000 Asphalt Shingles Roof 2,550 4 $5000 to $10,000 Deductible 200 1 Wood siding No
1992 265,000 Wood Shake Roof 2,700 4 $500- $1000 Deductible 1000 3 Wood siding No
2013 235,000 Metal Roof 2,960 4 $5000 to $10,000 Deductible 710 2 Vinyl siding No
2012 225,000 Wood Shake Roof 2,790 4 $2500-$5000 Deductible 3750 10 Brick siding No
2012 145,000 Tile Roof 1,500 3 $2500-$5000 Deductible 1210 6 Stucco siding yes
2011 235,000 Composition Roof 2,790 5 $500 Deductible 360 1 Fiber-Cement Siding yes
2013 240,000 Tile Roof 2,910 4 $500 Deductible 6540 12 Vinyl siding No
1990 180,000 Slate Shingles Roof 2,140 3 $500- $1000 Deductible 2360 8 Stucco siding No
2006 205,000 Wood Shake Roof 1,830 3 $5000 to $10,000 Deductible 1590 10 Stucco siding No
2007 135,000 Metal Roof 1,710 3 $1000-$2500 Deductible 700 3 Fiber-Cement Siding yes

Latest Home Insurance Reviews

Liberty Mutual
The deductible first year was great. I imagine price will go up next year.
State Farm
I would strongly recommend state farm home insurance to anyone. Their customer service is excellent, prices are reasonable, and offer a wide variety of services.
I would recommend this company because of the customer service and their commitment to military veterans. They understand you are moving a lot and try to make things as easy as possible for the customer.
I would recommend this company to a friend since they are a great company that has not given me any issues thus far.
I am okay with my premium and deductible amounts. I am confident that they will take care of me if needed. I am not as confident that some of these other companies will do the same.
I'd recommend USAA because they have a great app that let's you do most everything. The customer service I've received over the years has been good too.
I would recommend USAA for homeowner's insurance. On a scale of 1 to 5, I would rate USAA at a 5. The customer service is excellent, and although I have not had to file a claim through my policy.
The premiums are very competitive. The deductible is "average." They seem to do what a lot of the industry does and offers a percentage deductible for wind and hail.
Citizens Property Insurance
nobody else was writing homeowner's in florida. we had state farm and that was good then they stopped offering homeowner's.
The premium and deductible are maybe a bit on the high side, but USAA is good about covering everything we agree on without trying to jerk me around and jump through hoops.
My deductible seems very fair based on what I am paying for my insurance.
When I got the quote for my house the customer service was very good. I haven't make a claim, when I am in that situation is when I will be able to give the real rate of the insurance company.
With progressive I get the a well welcome when you inter there office everyone is so friendly, up beat. I didn't have to wait long for someone to help me with what I need help with.
Stillwater Insurance Group
I haven't really dealt with my company's customer service yet, but the process of setting up my insurance with them was super easy. Any questions I had at the start of the process were answered quickly & professionally.
Assurant Specialty Property
Assurant Insurance customer service does a pretty good job . I had a issue where i could not resolve online but customer service was able to make the needed adjustments i had to do.
I am happy with my provider. I wish the rates were lower but the customer service is great and you get what you pay for. I feel good that they can help me if ever I have to file a claim.
Citizens Property Insurance
I would give my agency a 4. I have only had a small windshield claim that was handled efficiency. I rated them a four because they are located about 25 miles away and I would prefer a local agency.
Compared to other companies GEICO;s premium is lower than other companies but the deductible is slightly higher. This makes sense when you consider that GEICO was originally only for government workers.
Farmer's Insurance
I do like the farmer's current television ad campaign. it definitely give its current and potential customers a sense of security if you use farmer's as your insurer.
Olympus Insurance
I am mostly happy with olympus but hate when i do have to call in.i feel it is a hassle to have to actually call and wait and go through the process of getting the relevant information or person i need to answer my question.
Liberty Mutual
I like my home insurance company called liberty mutual. they offer a lot of protection on my home for equal or lower cost than other name brand insurance companies.
Farmer's Insurance
I had been with State Farm for about 30 years, with a very clean record. They kept increasing my premiums, sometimes significant increases. I had read online that State Farm hits its most loyal customers the hardest because they don't think those customers will ever leave. I finally decided to shop around, and Farmer's offered the equivalent insurance at significantly lower prices.
Amica Mutual Insurance
I get everything from them in a timely manner. When I’ve had changes to a policy or a claim, they use a combination of phone and email and it has worked great for me.
I like my insurance company, Progressive because I can bundle my auto and my home insurance all into one easy payment which makes my life simpler and easier to manage.
Everything is done online, even the ID cards. It's easy to navigate and easy to file a claim. The website is rarely down and there's a phone application.
The website allows me to view all of my policies, print out my auto registration cards, and to view and pay my bills. It also contains articles useful for maintaining my home and auto.
Farmer's Insurance
I would never recommend this company to someone else. The only reason we are still with them is because I tend to procrastinate,
People's Trust Insurance
People's Trust Insurance offers affordable pricing, policies that can be tailored, transparent policies, and a reasonable claims process.
I would 100% recommend USAA as a company for home insurance for military affiliated families. They have great customer service, low rates, and offer many other types of insurance and banking needs.

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