Winter Garden Insurance Rates:

Winter Garden, FL homeowners insurance is roughly $1,018 to $1,393, about $84-$116/month. Our exhaustive analysis indicates shoppers can save upto $482 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
i love the customer service because provides reliable and great support system
Allstate
I would recommend the company I have solely because the rates haven't increased in three years. Not to say that they won't, but for now I haven't had to pay more.
Usaa
I recommend USAA to any or all military past or present and their families.IF you have kids registrar them as soon as possible so that later in life they are eligible for service and it makes it easy on them later.
Progressive
I would recommend Progressive due to the ease of initiating the policy, and the rate. I would urge people to shop around for the best rate for them.
Usaa
Customer service is very prompt when answering to my needs. I had to file a claim a few years ago due to hurricane damage and they were able to get an adjuster real quick and fix the damaged parts of the house.
Allstate
My rating is a 5. They offer a full line of insurance products so it is all under the same roof and if you have more than one product you can have a discount because of the multi products with them.
Usaa
I would recommend USAA for many reasons. First just the level of coverage they provide at a very reasonable price. Second they do this with very good deductible levels.
Farmer's Insurance
We have had good experience with farmers customer service. They are in contact with us often to see if we have any additional needs or if we have had any changes. They are very helpful.
Farmer's Insurance
I have to say i do not find farmers all that affordable compared to experiences with other insurance companies, and i can't figure out why.
State Farm
The agent we use is very professional and friendly. we bought a home in a town 30 minutes away and he gladly came here to check the value of the home to offer home insurance to us during our home buying process.
Assurant Specialty Property
On top of basic insurance, they also provide various other extra protection if you so desire. some examples of these are; pet damage, sewer or drain backup and even identity fraud protection.
State Farm
The local state farm agents and employees are incredible. However, I have found that dealing with corporate is very frustrating. The degree of customer service has dropped considerably over the years.
Usaa
they have been our back and listen to all our needs. they are helpful and I am happy we have them.
Assurant Specialty Property
When I had an issue it took a couple of days to get the inspector out. He was professional. I ended up not needing to make a claim.
American Integrity Insurance
I like that my insurance company's website is clueless, and the info I need, especially to file a claim is easily found in navigation.
Assurant Specialty Property
I recommend this company because of the customer service and helpfulness that has been displayed since I've been with this company.
Assurant Specialty Property
I would recommend it, they've always been helpful and they are affordable.
Usaa
I would recommend as I have not ever had an issue with them or their customer service. They are military friendly and that is important to my family.

Winter Garden, FL Homeowners Insurance By Home Value

Winter Garden, FL Home Value Total Homes % of Total Average Winter Garden, FL Homeowners Insurance
Less than $50,000 621 8.0% $132
$50,000 to $59,999 72 1.0% $277
$70,000 to $79,999 87 1.0% $397
$80,000 to $89,999 213 3.0% $445
$90,000 to $99,999 106 1.0% $506
$100,000 to $124,999 482 6.0% $578
$125,000 to $149,999 428 6.0% $735
$150,000 to $174,999 642 9.0% $867
$175,000 to $199,999 699 9.0% $1000
$200,000 to $249,999 1,075 15.0% $1205
$250,000 to $299,999 1,247 17.0% $1470
$300,000 to $399,999 1,350 19.0% $1867

Top Home Insurance Agents Near Winter Garden, FL

Home Insurance Company Near Winter Garden, FL Homeowners Insurance Agency Near Winter Garden, FL Address
NA Talmadge Commercial Insurance Agency, Llc 111 W Jefferson St, Orlando, FL, 32801
NA 1st Class Insurance Services 686 State Road 60 W , Lake Wales, FL, 33853
Travelers Insurance Professionals Of Central Fl Inc 1525 INTERNATIONAL PKWY STE 4071, LAKE MARY, FL, 32746
Travelers Insurance Services Of Central Fl Inc 2910 Maguire Rd Ste 2004, OCOEE, FL, 34761
Allstate Wendy C. Butcher 1073 Cheney Hwy, Titusville, FL, 32780

Winter Garden, FL Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Winter Garden, FL

Streets in Winter Garden Area Homeowners Insurance Cost
Park Ct, Old Thicket Trce, S Arrington Ave, W Cypress St, Roper Rd, Old Ymca Rd, Gemgold Ct, Mericam Ct, Lake Luntz Dr, E Morgan St$1,174
Woodlark Way, Clacyn Ct, Serenade Dr, Westside Dr, Roberts Point Dr, Wales Ct, E Plant St, Glenwick Dr, Marys Park Pl, Reflections Ln$1,263
Eden Isle Blvd, Daughtery Dr, Water Key Dr, Blankenship Ln, Towne Commons Blvd, Galway Isles Ct, Briley Ave, Ficquette Rd, Maple Ave, Via Lucerna Cir$1,264
Annette Ln, Alps St, Beaconsfield Ct, Maidenmoor Rd, Willow Brick Rd, Willow Stowe Ln, N Nixon St, C R 388, Possum Holler Rd, Marsh Rd$1,258
Finsbay Ct, W Division St, Mildred Dixon Way, Pine Ct, Betina St, Lee St, Huntington Pinrs Dr, Rebeccas Run Dr, Golden Bell St, W Garden Ave$1,266

Winter Garden, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Winter Garden$179 to $182
Tildenville$171
Oakland$186
Winter Garden-Ocoee$175

Winter Garden, 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
Tildenville CDP, Florida $143 $190 $285
Oakland town, Florida $156 $207 $311
Winter Garden-Ocoee CCD, Orange County, Florida $147 $195 $293

Winter Garden, 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
Winter Garden, FL5.1%20.5%
Oakland4.27%21.44%
Winter Garden-Ocoee6.18%20.58%
Ocoee5.5%20.14%

Winter Garden Renters Insurance as a Percentage of Rent

Winter Garden Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 34 1.0% $777
$300 to $499 134 4.0% $1227
$500 to $749 365 10.0% $1902
$750 to $999 1,270 38.0% $2652
$1,000 to $1,499 1,079 32.0% $3777
$1,500 or more 440 13.0% $5427

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Florida Farm Bureau Casualty Insurance $1,992
150,000 27 NO St. Johns Insurance $1,763
150,000 27 NO Tower Hill Signature Insurance $1,946
150,000 27 YES United Property & Casualty Insurance $1,066
300,000 12 NA Tower Hill Preferred Insurance $1,714

Winter Garden, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$4,100
Yearly Winter Garden Homeowner Insurance Premium Example $4,600$4,100
Out of Pocket Expense During Claim$1,100$4,100
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $37,900$36,900
Net Savings to Winter Garden Home Owner from High Deductible Plan $1,000

Winter Garden, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Winter Garden, FL Home Replacement Value MORE than Home Value Winter Garden, FL Home Replacement Value LESS than Home Value
Replacement Value $373,500 $239,000
Insurance Premium based on Replacement Value $7,200 $4,600
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $88,500 Risk Exposure from Under Insuring Coverage is $46,000
Premium Impact Insurance cheaper by $875/year Insurance costlier by $1,725/year

Example Winter Garden Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersState FarmGEICO Insurance
Monthly Premium 414425896
Year Built 200819962014
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $250000-$300000$350000-$400000$500000-$600000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2011 335,000 Metal Roof 2,350 4 $5000 to $10,000 Deductible 3930 10 Fiber-Cement Siding No
2007 195,000 Shingles Roof 1,610 3 $5000 to $10,000 Deductible 1200 6 Stone Siding No
2011 225,000 Shingles Roof 2,110 5 $2500-$5000 Deductible 3470 12 Vinyl siding yes
2010 330,000 Metal Roof 2,330 3 $2500-$5000 Deductible 1980 4 Stucco siding No
2000 175,000 Metal Roof 1,760 3 $5000 to $10,000 Deductible 140 1 Vinyl siding yes
2010 480,000 Metal Roof 3,510 5 $500- $1000 Deductible 780 1 Fiber-Cement Siding yes
1991 385,000 Membrane Roof 2,720 4 $2500-$5000 Deductible 2130 5 Vinyl siding yes
1994 370,000 Shingles Roof 2,920 4 $5000 to $10,000 Deductible 2570 5 Fiber-Cement Siding No
2012 165,000 Tile Roof 1,300 3 $500- $1000 Deductible 1940 6 Stone Siding yes
1994 135,000 Wood Shake Roof 1,340 3 $500 Deductible 1180 6 Stone Siding yes
2012 175,000 Slate Shingles Roof 1,680 3 $500- $1000 Deductible 2630 10 Stucco siding No
2001 250,000 Tile Roof 1,850 3 $1000-$2500 Deductible 3370 10 Wood siding yes
2012 265,000 Asphalt Shingles Roof 1,960 4 $500 Deductible 3910 9 Stone Siding yes
2011 220,000 Tile Roof 1,860 4 $500 Deductible 1280 5 Brick siding No
2006 450,000 Wood Shake Roof 4,320 5 $1000-$2500 Deductible 2260 5 Fiber-Cement Siding yes
2002 225,000 Membrane Roof 1,620 4 $1000-$2500 Deductible 3420 8 Brick siding yes
2011 230,000 Shingles Roof 1,680 3 $500 Deductible 4400 10 Wood siding yes
2014 255,000 Asphalt Shingles Roof 1,760 5 > $10,000 Deductible 1710 8 Vinyl siding yes
1997 595,000 Composition Roof 4,130 5 $500 Deductible 10310 10 Brick siding yes
1997 300,000 Shingles Roof 2,810 4 > $10,000 Deductible 270 1 Stone Siding yes
1996 205,000 Wood Shake Roof 1,880 4 $2500-$5000 Deductible 590 2 Brick siding No
2000 245,000 Wood Shake Roof 2,020 3 $500 Deductible 1030 2 Stone Siding No
2010 205,000 Tile Roof 1,860 5 $1000-$2500 Deductible 790 3 Fiber-Cement Siding No
1993 335,000 Metal Roof 2,400 5 $1000-$2500 Deductible 7000 12 Stone Siding No
1995 220,000 Wood Shake Roof 1,800 5 $1000-$2500 Deductible 1420 4 Brick siding No
2014 350,000 Metal Roof 2,810 4 $500 Deductible 4530 9 Stone Siding yes
2014 275,000 Metal Roof 2,270 3 $5000 to $10,000 Deductible 2820 7 Stone Siding yes
2013 400,000 Composition Roof 3,190 4 $500- $1000 Deductible 670 1 Vinyl siding No
2012 225,000 Tile Roof 1,680 3 $1000-$2500 Deductible 2210 8 Wood siding yes
1990 310,000 Slate Shingles Roof 3,030 5 > $10,000 Deductible 3070 12 Fiber-Cement Siding yes
2014 225,000 Composition Roof 1,660 3 $500- $1000 Deductible 300 1 Vinyl siding No
2007 190,000 Tile Roof 1,890 3 $5000 to $10,000 Deductible 420 2 Stucco siding No
2013 340,000 Asphalt Shingles Roof 3,340 4 > $10,000 Deductible 380 2 Stone Siding yes
2003 170,000 Metal Roof 1,430 3 $5000 to $10,000 Deductible 1850 9 Vinyl siding No

How To Make Your Winter Garden, FL Home Insurance Cheaper

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