Zephyrhills Insurance Rates:

Zephyrhills, FL homeowners insurance is nearly $950 to $1,288, about $79-$107/month. Our detailed guide indicates shoppers can save upto $447 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

Liberty Mutual
The rate on scale is 4. Because the liberty mutual insurance company customer service is very good and satisfied.
Usaa
They are good. They help me a lot and they are easy to contact with. I will recommend USAA to everyone.
State Farm
State Farm has always treated me fairly. Between the excellent customer service and reasonable rates/bundling options, I feel like everyone could find a plan from State Farm that works for them.
Usaa
The customer service at USAA has always been very helpful to me. I don't have to use them or ask them anything very often, but when i do, they are always very willing to help and end up being able to answer all of my questions.
Geico
Yes I would recommend Geico insurance to everyone. I like everything about them. Their customer service is good, pricing is good, and the coverage is really good. I have told everyone about them and I hope many people I know switch to them.
Progressive
I have not actually had to do anything with the home insurance part of progressive, however they have always treated us well with car and apartment insurance. I would give customer service a 5.
State Farm
i would recommend state farm to anyone for house insurance because they are fast and when you have a claim to file they process it right away. they are always on your side and try to help in any way they can.
State Farm
A very high number of independent agents available so for some reason, if you don't like your current agent, you can easily find another.
State Farm
Payment options are flexible. you can pay quarterly via an automatic draft out of your checking account. factors such as age, and financial stability contribute to the rates charged to customers.
Assurant Specialty Property
Although assurant is the only service like this i've used, i really appreciated how quick and painless the application process was.
Usaa
They're a bit big for my liking and are always trying to sell you something else - whether it's additional insurance or a credit card.
Citizens Property Insurance
It's really easy to manage the website. All the major options are available on the site. It's handy.
Usaa
I like that their communication is direct and easy to understand. No hidden motives. I feel like they really care about me.
Centauri Insurance
I have only had one claim before and everything was handled properly and in a fast timely manner. The representative was really helpful and knowledgeable.
Assurant Specialty Property
If someone wants to bundle with Geico for car insurance savings, absolutely I would recommend they go for it. If they want renter's insurance with very basic options.

Zephyrhills, FL Homeowners Insurance By Home Value

Zephyrhills, FL Home Value Total Homes % of Total Average Zephyrhills, FL Homeowners Insurance
Less than $50,000 5,834 31.0% $346
$50,000 to $59,999 1,490 7.0% $727
$60,000 to $69,999 1,187 6.0% $906
$70,000 to $79,999 1,222 6.0% $1051
$80,000 to $89,999 1,662 8.0% $1186
$90,000 to $99,999 919 4.0% $1331
$100,000 to $124,999 1,311 6.0% $1544
$125,000 to $149,999 1,258 6.0% $1924
$150,000 to $174,999 1,308 6.0% $2271
$175,000 to $199,999 597 3.0% $2629
$200,000 to $249,999 1,043 5.0% $3155
$250,000 to $299,999 540 2.0% $3860
$300,000 to $399,999 440 2.0% $4912

Top Home Insurance Agents Near Zephyrhills, FL

Home Insurance Company Near Zephyrhills, FL Homeowners Insurance Agency Near Zephyrhills, FL Address
NA Mitchell Agency, Inc. 14290 Walsingham Rd, Largo, FL, 33774
Travelers Ammerman Insurance Agency Inc 1316 Sumter St, Leesburg, FL, 34748
Travelers Carrera Insurance Of Tampa 6528 Us Hwy 301 S #107, Riverview, FL, 33578
Allstate Craig Tiede 2342 E Ibm Hwy # B, Kissimmee, FL, 34744
Liberty Mutual Independent Praxiom Risk Management Llc 123 W BLOOMINGDALE AVE #300, BRANDON, FL, 33511

Zephyrhills, FL Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Zephyrhills, FL

Streets in Zephyrhills Area Homeowners Insurance Cost
Southbrook Ave, Lakota Ct, Laurelwood Dr, Bartow St, Lobelia Ave, Benz Dr, Joshua St, Greendale Ln, Croton St, Augusta National Dr$1,128
Lothlorien Ln, Francis Rd, Ashley St, Britni Way, Birchcrest Ln, Niles Dr, Ironwood, Fir Ave, Parker St, Lum Dr$1,141
Dalebrook Ave, Coral St, Ava Ct, Verano Ln, Moon St, Shaw Dr, Nordel Ln, Ashville Dr, Best Ball Ln, Mission Square Ln$1,113
Patricia Dr, Valleybrook Ave, Griner Rd, Zephyr Ave, Autumn Palm Dr, Sandra Ave, Royal St, Appaloosa Trl, Impala Way, Stadium Dr$1,122
Seagull Ln, Justin Ave, Jason Dr, Highland Ave, Rosebud Row, Kapok Ave, Crooked Ln, Dora St, Siesta St, Terra St$1,127
Citadel Cir, Boyt St, Miriam Ln, Dakota St, Wisteria Ln, Daughtry Rd, Palmetto Palm Dr, Blue Jay Ave, Avacado St, Harriet St$1,102
Martindale Ave, Avion Dr, Valor St, Comstock Ln, Stanford Ave, Cora Ave, Sea Shell Ln, Bobby Ave, Barbara St, Stanton Hall Dr$1,095
Windy Ln, Coconut Ln, Blue Lagoon Dr, Handcart Rd, Sabal Ave, Handcart Rd, Pawnee St, 18th Ave, Kent Dr, Curran St$1,124
Cottonwood Pl, Silverbend Dr, Cherrywood Ln, Rockford Ave, Loon Ln, Bayberry St, Wade Hmapton Rd, Wintersweet Ln, 14th Ave, Eton St$1,118
el Sol Ave, Petunia Pl, Cynthia Ave, Ola Ave, Misha Ln, Madrid Ave, Anthony Ct, Mandan St, Bayleaf St, Carender Rd$1,120

Zephyrhills, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Zephyrhills$167 to $170
Zephyrhills North$166
Zephyrhills South$164
Pasadena Hills$173

Zephyrhills, 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
Zephyrhills North CDP, Florida $166 $221 $332
Zephyrhills West CDP, Florida $166 $221 $332
Zephyrhills South CDP, Florida $164 $219 $329

Zephyrhills, 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
Zephyrhills, FL8.4%29.9%
Zephyrhills North9.12%29.47%
Zephyrhills West12.28%33.33%
Zephyrhills South9.12%27.59%

Zephyrhills Renters Insurance as a Percentage of Rent

Zephyrhills Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 116 2.0% $801
$300 to $499 415 9.0% $1251
$500 to $749 1,291 28.0% $1926
$750 to $999 1,291 28.0% $2676
$1,000 to $1,499 1,093 23.0% $3801
$1,500 or more 336 7.0% $5451

Average Cost Of Home Insurance By Company In Areas Nearby Zephyrhills 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 $3,259
150,000 27 NO Southern Oak Insurance $3,391
150,000 27 YES First Community Insurance $1,526
150,000 27 YES Florida Farm Bureau Casualty Insurance $913
300,000 12 NA American Traditions Insurance $2,626
300,000 12 NA Castle Key Indemnity Company Insurance $2,622
300,000 12 NA Florida Peninsula Insurance $2,866
300,000 12 NA Liberty Mutual Fire Insurance $3,677

Zephyrhills, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$3,600
Yearly Zephyrhills Homeowner Insurance Premium Example $1,400$900
Out of Pocket Expense During Claim$600$3,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $11,800$10,800
Net Savings to Zephyrhills Home Owner from High Deductible Plan $1,000

Zephyrhills, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Zephyrhills, FL Home Replacement Value MORE than Home Value Zephyrhills, FL Home Replacement Value LESS than Home Value
Replacement Value $44,000 $33,500
Insurance Premium based on Replacement Value $975 $750
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $6,500 Risk Exposure from Under Insuring Coverage is $4,000
Premium Impact Insurance cheaper by $75/year Insurance costlier by $150/year

Example Zephyrhills Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersGEICO InsuranceLiberty Mutual
Monthly Premium 145225122
Year Built 198719902004
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 2 Baths
Coverage Amount $100000-$125000$125000-$150000$75000-$100000
Deductible $1000-$2500 Deductible$500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2006 85,000 Shingles Roof 1,710 3 $2500-$5000 Deductible 90 1 Fiber-Cement Siding yes
1980 70,000 Metal Roof 1,240 3 $2500-$5000 Deductible 890 9 Stucco siding No
1983 100,000 Slate Shingles Roof 1,850 3 $1000-$2500 Deductible 530 4 Stucco siding No
2004 130,000 Asphalt Shingles Roof 2,010 3 $500- $1000 Deductible 2110 12 Stucco siding No
2009 110,000 Shingles Roof 1,500 3 $500- $1000 Deductible 1360 8 Fiber-Cement Siding No
2003 150,000 Asphalt Shingles Roof 2,110 4 $2500-$5000 Deductible 1290 7 Brick siding No
2001 110,000 Composition Roof 1,860 3 $500 Deductible 210 1 Vinyl siding yes
2003 230,000 Slate Shingles Roof 3,120 4 $500- $1000 Deductible 1280 4 Vinyl siding No
2003 110,000 Wood Shake Roof 2,080 3 $500- $1000 Deductible 1810 12 Stucco siding No
1995 155,000 Metal Roof 2,180 3 $500- $1000 Deductible 740 4 Stone Siding No
2012 75,000 Asphalt Shingles Roof 1,110 2 $1000-$2500 Deductible 530 5 Fiber-Cement Siding yes
2008 105,000 Composition Roof 1,600 4 $2500-$5000 Deductible 1780 12 Brick siding No
2010 240,000 Wood Shake Roof 3,350 4 $5000 to $10,000 Deductible 1430 6 Brick siding yes
1999 85,000 Slate Shingles Roof 1,240 2 $500 Deductible 480 4 Vinyl siding No
1994 135,000 Membrane Roof 2,070 3 $2500-$5000 Deductible 450 3 Stucco siding No
2008 100,000 Asphalt Shingles Roof 1,500 3 $500 Deductible 520 3 Vinyl siding No
1987 90,000 Shingles Roof 1,680 2 $500 Deductible 1180 10 Brick siding No
1980 120,000 Wood Shake Roof 2,370 4 $1000-$2500 Deductible 1020 8 Fiber-Cement Siding No
1986 65,000 Membrane Roof 1,040 2 $500- $1000 Deductible 110 1 Brick siding yes
1992 130,000 Shingles Roof 1,790 3 $500- $1000 Deductible 930 6 Brick siding yes
2001 80,000 Metal Roof 1,400 3 $500 Deductible 780 5 Stucco siding No
2000 90,000 Tile Roof 1,190 2 $2500-$5000 Deductible 1500 12 Fiber-Cement Siding yes
2000 150,000 Membrane Roof 2,380 4 $500 Deductible 2010 7 Vinyl siding No
1987 185,000 Asphalt Shingles Roof 3,050 4 $5000 to $10,000 Deductible 840 5 Fiber-Cement Siding yes
1992 170,000 Wood Shake Roof 2,730 4 $1000-$2500 Deductible 220 1 Fiber-Cement Siding yes
1999 85,000 Membrane Roof 1,230 3 $500 Deductible 660 4 Fiber-Cement Siding No
2005 115,000 Slate Shingles Roof 1,570 2 $1000-$2500 Deductible 700 5 Stone Siding yes
1990 115,000 Tile Roof 1,710 3 $2500-$5000 Deductible 740 4 Brick siding No
1985 85,000 Metal Roof 1,670 3 $500 Deductible 410 3 Brick siding No
2004 80,000 Shingles Roof 1,340 3 $500 Deductible 510 3 Wood siding No
2004 100,000 Composition Roof 1,550 3 $500- $1000 Deductible 1730 9 Fiber-Cement Siding yes
2011 90,000 Wood Shake Roof 1,280 2 $500 Deductible 850 6 Wood siding No
2006 135,000 Asphalt Shingles Roof 1,880 4 $500 Deductible 1700 7 Vinyl siding No
2012 110,000 Shingles Roof 1,770 3 $2500-$5000 Deductible 500 3 Stone Siding yes

How To Make Your Zephyrhills, FL Home Insurance Cheaper

How Much Does Zephyrhills, FL Home Insurance Cost?