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How to find affordable homeowners insurance in Orlando

Home insurance should be a critical consideration for every homeowner. Along with personal property, homeowners insurance covers your dwelling against many different perils, including fire, wind damage, vandalism, and theft. With the relative frequency of such events -- and the high cost of rebuilding or repairing a home -- having a home insurance policy is a smart investment. The average homeowners policy costs $422 per month in Orlando, Florida.  This is almost four times what the average American pays for home insurance.

The cost of home insurance depends on many factors. This can include the overall value of your house, the value of your personal belongings, and the materials that were used when building your home. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Learn more about what your homeowners insurance policy covers.

Finding affordable home insurance in Orlando starts with shopping around and comparing policies. Have a look at the summary below comparing average homeowners insurance premiums in Orlando to begin your home insurance search with as much information as you can. One thing to note is that the yearly cost of homeowners coverage is determined based on your chosen coverage limits as well as a number of other rating factors.

 
Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings
 

Orlando home insurance by company

Orlando homeowners insurance rates will vary depending on which insurance company you choose. Security First offers the most affordable home insurance in Orlando, at just $830 per year. This compares favorably to the city’s average homeowners premium of $5,063.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest home insurance carriers in Orlando, Florida.  Then, see our list of which home insurance carriers ranked best for customer satisfaction.

 
AFFORDABLE HOME INSURERS IN ORLANDO
Company Average Annual Rate
Security First $830
State Farm $1,233
Allstate $2,408
American Integrity $4,114
Peoples Trust $7,545
 

Orlando homeowners insurance prices by coverage level

How much you spend on home insurance coverage is greatly impacted by the level of coverage you choose. In Orlando, carrying $200K dwelling coverage costs an average of $3,443, while carrying additional coverage up to $400K costs $5,996/year.

 
POPULAR COVERAGE LIMITS IN ORLANDO
Coverage Level Average Annual Rate
$100K Dwelling $1,764
$200K Dwelling $3,443
$250K Dwelling $3,812
$400K Dwelling $5,996
 

Orlando home insurance rates by ZIP code

Depending on the part of Orlando you live in, you may see vastly different home insurance costs. One of the factors that insurers use when pricing your policy is the number of claims filed in your surrounding area. As such, the neighborhood you live in can drastically influence your home insurance rates.

If you're looking for the most affordable homeowners insurance premiums in Orlando, take at look at the 33139 ZIP code. In the 33139 area, homeowners coverage usually costs just $4,843 on average — a full $219 less than the Orlando average. Find the best places to live in Orlando for cheap home insurance by looking at the table below.

 
AFFORDABLE HOME INSURANCE AREAS IN ORLANDO
ZIP Code Average Annual Home Insurance Rate
33139 $4,843
33168 $4,959
33175 $4,965

On the other hand, some areas of Orlando face higher homeowners insurance costs, on average. These parts of town could be more prone to perils such as theft, severe weather, or fires that present more risk for insurance companies. One of the costliest ZIP codes for homeowners insurance in Orlando is 33128, with an annual average rate of $5,360.

 
EXPENSIVE HOME INSURANCE AREAS IN ORLANDO
ZIP Code Average Annual Home Insurance Rate
33128 $5,360
33135 $5,300
33136 $5,299
 

Orlando homeowners insurance deductibles

Among the many decisions homeowners face when shopping for homeowners insurance is where to set the deductible. A homeowners deductible is the amount you must pay out of pocket toward a covered loss. Choosing your deductible can have a major impact on how much you pay for your coverage.

In short, a higher deductible translates to cheaper insurance premiums. As such, if you want to keep your insurance rates low, aim for a higher deductible. Keep in mind that your deductible should only be set as high as you can reasonably afford in the event of a covered loss.

Take a look at some of the typical deductibles offered by home insurance companies and an approximation of average homeowners insurance rates.

 
HOME INSURANCE PREMIUMS BY DEDUCTIBLE LEVEL IN ORLANDO
Deductible Level Average Annual Homeowners Insurance Rate
$500 $4,115
$1,000 $3,812
$1,500 $3,781
$2,000 $3,361
$5,000 $3,253
 

Home and auto insurance bundling in Orlando

If you’re searching for ways to save on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling homeowners and auto insurance can be a good money-saving option. By bundling your policies, Orlando homeowners could see annual savings of 7% on average.

 
CHEAPEST CAR INSURANCE RATES WITH HOME BUNDLE IN ORLANDO
Company Avg. Annual Auto Insurance Rate (With Bundle)
USAA $1,222
GEICO $2,317
State Farm $2,659
Progressive $3,444
Allstate $3,554

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Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a freelance copywriter for over five years. 

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, BadCredit.orgCar and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.