Winter Haven Insurance Rates:

Winter Haven, FL homeowners insurance is nearly $966 to $1,314, about $80-$109/month. Our comprehensive guide shows customers can save upto $456 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

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.
Allstate
Some thing i dislike is that they offer discounts to insure multiple things (house, car, etc.) but we choose to insure our vehicles elsewhere so we don't get that discount.
Amica Mutual Insurance
I like that they had the most competitive prices in my area. i found them on a review online. i applied online and quickly received a quote. after that, i spoke with an agent on the phone. the agent was knowledgeable and easy to talk to. i felt like i mattered to the company and wasn't just another policyholder.
State Farm
The customer service is excellent. I've never had to file a claim on my house, but IÃḃ€™ve had to file a few for vehicle and IÃḃ€™ve never had any issues getting things covered or being reimbursed. The people have all been wonderful to work with too.
Assurant Specialty Property
The company always goes out of their way to be sure you are satisfied. They send reminders, as well as offering a user-friendly website as well as an app.
Assurant Specialty Property
I don't really use it at all honestly so I can't really offer any opinion about it one way or the other.
Usaa
I like that I am able to easily find information when I need/want it. I Dislike the number of passwords needed to access it (my info on website).
Usaa
customer service is very good

Winter Haven, FL Homeowners Insurance By Home Value

Winter Haven, FL Home Value Total Homes % of Total Average Winter Haven, FL Homeowners Insurance
Less than $50,000 1,025 12.0% $239
$50,000 to $59,999 398 4.0% $513
$60,000 to $69,999 351 4.0% $638
$70,000 to $79,999 696 8.0% $741
$80,000 to $89,999 553 6.0% $832
$90,000 to $99,999 413 5.0% $934
$100,000 to $124,999 1,096 13.0% $1083
$125,000 to $149,999 726 9.0% $1356
$150,000 to $174,999 885 11.0% $1607
$175,000 to $199,999 533 6.0% $1846
$200,000 to $249,999 570 7.0% $2223
$250,000 to $299,999 399 5.0% $2724
$300,000 to $399,999 329 4.0% $3465

Top Home Insurance Agents Near Winter Haven, FL

Home Insurance Company Near Winter Haven, FL Homeowners Insurance Agency Near Winter Haven, FL Address
NA Barfield Insurance & Financial Services, Inc. 1059 S Clarke Rd, Ocoee, FL, 34761
NA Carroll-Marshall Insurance, Inc. 205 Ave G Sw Winter Haven, Winter Haven, FL, 33880
State Farm Jerry Mccarthy 1531 Dale Mabry Hwy Ste 101, Lutz, FL, 33548-3051
Travelers Johnson & Hoge Insurance Group Inc 8913 REGENTS PARK DR STE 640, TAMPA, FL, 33647
Allstate Joseph Salerno 3060 E State Road 436 Ste 116, Apopka, FL, 32703

Cost Of Homeowners Insurance By Street Near Winter Haven, FL

Streets in Winter Haven Area Homeowners Insurance Cost
Lagoon Rd, Atwater St, Broxey Ct NE, 3rd Ave, Hidden Cove Ave, State Rte 540 W, Lake Henry Rd, Grove Branch Rd, Whisper Cove, Shoal Ln$1,126
Oak Trl, Daisy Way, Woodpecker Pike, Willowbrook Cir, Sand Ln, Sears Ave, Lakeside Ranch Pl, Water Tank Rd, 26th St NW, Lime Rd$1,119
Crump Rd, Holt Cir, Kiwi Ave, la Costa Lane, W, E Lake Howard Dr, Strathmore Dr, Lake Wales Alturas Rd, Struthers Ct SE, Cypress Gardens Rd SE, Lucerne Park Rd NE$1,148
S Lake Roy Ln, Ave F NW, Glens Pass, James Scott Ct, Oakview Ave, W Sanford St, Whispering Trails Blvd, Lake Henry Ct, Newcome Rd, S Terrace Dr$1,185
W Lake Summit Dr, Phillips Way, Pinellas Rd SE, Foxboro Ln SW, S Pennsylvania Ave, Harden Rd, Manilla Ln, Struthers Rd, Alturas Loop Rd, Pearsons Path$1,123
31st Ct NW, Lyndsey Ln, Olmo Ct, Vaniman Ave, Golf Aire Blvd, Lake Hamilton Beach, 31st St NW, Starling Rd, Berna Cir, Aberdeen Ln$1,139
Gullane Dr, Parakeet Ave, Thompson Rd, Surf Dr, Buckeye Cir NE, S Echo Dr, Havendale Blvd, Seminole Ct NE, Cypress Ln, Palm Ln$1,111
Misty Meadow Rd, Remington Pl, Katie Ct, Ave J NE, W Bay Ave, Galaxy Rd Two, Lake Pansy Dr S, N Lake Howard Dr, Quentin Ave NW, St George Bay St$1,120
W Assembly St, Island Way, Reflections Blvd, Roosevelt Rd, Melbourne Dr, E Bridgers Ave, Michelle St, 12th St W, Badger Ln, Alan Loop$1,139
Magnolia Run, 6th St E, Lake Millsite Rd E, Cypress Lndg N, Eagle Crest Blvd, Monroe Ln, E Polk Ave, E Lemon Ave, Ave H NW, Muirfield Ct$1,128

Winter Haven, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Winter Haven$170 to $173
Inwood$166
Winter Haven-Auburndale$170
Cypress Gardens$174

Winter Haven, 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
Inwood CDP, Florida $139 $185 $277
Winter Haven-Auburndale CCD, Polk County, Florida $142 $189 $284
Lake Alfred city, Florida $142 $189 $283

Winter Haven, 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 Haven, FL7.5%22.2%
Inwood9.99%30.94%
Winter Haven-Auburndale7.67%23.73%
Lake Alfred8.1%20.81%

Winter Haven Renters Insurance as a Percentage of Rent

Winter Haven Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 165 3.0% $345
$200 to $299 132 2.0% $795
$300 to $499 685 13.0% $1245
$500 to $749 1,359 25.0% $1920
$750 to $999 1,437 27.0% $2670
$1,000 to $1,499 1,132 21.0% $3795
$1,500 or more 329 6.0% $5445

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Castle Key Indemnity Company Insurance $2,940
150,000 27 NO Florida Peninsula Insurance $1,732
150,000 27 YES Castle Key Indemnity Company Insurance $2,293
150,000 27 YES Southern Oak Insurance $1,694
150,000 27 YES St. Johns Insurance $1,206
150,000 27 YES Universal Property & Casualty Insurance $1,010

Winter Haven, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,500$2,500
Yearly Winter Haven Homeowner Insurance Premium Example $1,800$1,300
Out of Pocket Expense During Claim$1,500$2,500
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $6,900$6,400
Net Savings to Winter Haven Home Owner from High Deductible Plan $500

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

Scenario Winter Haven, FL Home Replacement Value MORE than Home Value Winter Haven, FL Home Replacement Value LESS than Home Value
Replacement Value $169,500 $105,000
Insurance Premium based on Replacement Value $3,975 $2,450
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $38,500 Risk Exposure from Under Insuring Coverage is $26,000
Premium Impact Insurance cheaper by $625/year Insurance costlier by $900/year

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

Insurance Company State FarmChubb Group of InsuranceTravelers
Monthly Premium 264223119
Year Built 198920021977
Home Details 4 Beds, 1 Baths3 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $175000-$200000$200000-$250000$75000-$100000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1984 85,000 Membrane Roof 930 2 $1000-$2500 Deductible 1160 10 Stucco siding No
2004 150,000 Membrane Roof 2,360 3 $500- $1000 Deductible 440 2 Stone Siding yes
2005 115,000 Composition Roof 1,790 5 $1000-$2500 Deductible 1070 5 Brick siding yes
1985 85,000 Slate Shingles Roof 1,290 2 $1000-$2500 Deductible 1480 12 Vinyl siding yes
1978 145,000 Asphalt Shingles Roof 1,910 4 $1000-$2500 Deductible 2620 12 Vinyl siding yes
1972 60,000 Wood Shake Roof 970 2 $500- $1000 Deductible 460 5 Stucco siding No
2013 125,000 Tile Roof 1,510 3 $500- $1000 Deductible 910 6 Wood siding yes
1977 75,000 Slate Shingles Roof 1,220 2 $500 Deductible 1210 10 Fiber-Cement Siding yes
2013 85,000 Tile Roof 1,420 3 $1000-$2500 Deductible 320 3 Brick siding No
2011 70,000 Composition Roof 940 2 $500- $1000 Deductible 500 4 Wood siding No
2002 140,000 Slate Shingles Roof 1,650 2 $500 Deductible 2600 12 Stucco siding No
2010 100,000 Asphalt Shingles Roof 1,540 2 $500- $1000 Deductible 970 7 Fiber-Cement Siding No
1985 180,000 Shingles Roof 2,500 4 $1000-$2500 Deductible 1620 6 Fiber-Cement Siding No
2013 140,000 Shingles Roof 1,860 5 $500- $1000 Deductible 1800 10 Brick siding No
2012 105,000 Wood Shake Roof 1,220 2 $500- $1000 Deductible 140 1 Brick siding No
1981 170,000 Slate Shingles Roof 2,000 3 $2500-$5000 Deductible 1650 6 Stucco siding yes
2000 90,000 Slate Shingles Roof 1,110 2 $2500-$5000 Deductible 640 5 Fiber-Cement Siding No
1978 310,000 Shingles Roof 4,210 5 $500- $1000 Deductible 410 1 Vinyl siding No
1980 310,000 Asphalt Shingles Roof 4,200 5 $5000 to $10,000 Deductible 770 2 Stucco siding No
1987 105,000 Membrane Roof 1,600 3 $2500-$5000 Deductible 380 3 Vinyl siding yes
1979 60,000 Asphalt Shingles Roof 940 2 $2500-$5000 Deductible 260 6 Vinyl siding No
2009 330,000 Metal Roof 4,240 5 $500 Deductible 6710 10 Wood siding No
1999 220,000 Asphalt Shingles Roof 2,570 4 > $10,000 Deductible 720 4 Brick siding No
1974 260,000 Slate Shingles Roof 3,390 4 $500- $1000 Deductible 1820 5 Fiber-Cement Siding No
1970 65,000 Metal Roof 1,030 2 $2500-$5000 Deductible 260 3 Fiber-Cement Siding yes
1971 280,000 Shingles Roof 4,130 5 $5000 to $10,000 Deductible 2380 6 Wood siding yes
1981 225,000 Slate Shingles Roof 3,480 5 > $10,000 Deductible 1860 10 Stucco siding No
2010 110,000 Tile Roof 1,630 3 $2500-$5000 Deductible 1080 9 Brick siding yes