Orlando Homeowners Insurance

The Zebra
Aug. 26, 2019

Find cheap homeowners insurance in Orlando


A critical consideration for every homeowner should be their home insurance coverage. Home insurance policies provide coverage against fire, wind damage, and theft for your home and the contents inside it. Incidents like this occur regularly. When paired with the high cost of repairing or rebuilding a home, investing in homeowners coverage can seem like a smart idea.

The cost of homeowners insurance coverage factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. Location also plays a role in determining the price of your homeowners insurance policy. In areas prone to perils likewindstorms, hail, fire, or even theft , home insurance policies may be more expensive to account for the extra risk. Find out more about what a home insurance policy covers.

If you want to find cheap homeowners insurance in Orlando, start with looking around and comparing what different companies offer. Take a look at the summary below showing average homeowners insurance premiums in Orlando to begin your home insurance search with as much information as possible. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.


Orlando, Florida, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Homeowners insurance in Orlando by insurance company

What you pay for homeowners insurance in Orlando will depend on the insurance company you get your policy through. State Farm offers the most affordable home insurance in Orlando, at just $702 per year. This compares favorably to the city’s average homeowners premium of $1,705.

Have a look at the cheapest insurance companies in Orlando, Florida to find the best home policy for your needs.


AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN ORLANDO
CompanyAverage Annual Rate
State Farm$702
Security First$709
Allstate$1,348
American Integrity$1,789
Peoples Trust$1,797

Average homeowners insurance costs in Orlando by coverage level

Your chosen amount of homeowners coverage impacts the insurance premiums you pay . In Orlando, carrying $200K dwelling coverage costs an average of $1,181, while carrying additional coverage up to $400K costs $2,227/year.


HOMEOWNERS INSURANCE RATES IN ORLANDO — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$1,181
$400K Dwelling$2,227

Speak with a homeowners insurance expert

Orlando home insurance rates by ZIP code

Not every area of Orlando has equal home insurance costs. Policies are often priced on local variables such as the number of claims filed in the immediate area, meaning the neighborhood in which you live could have a major impact on how much you pay to insure your home.

The cheapest home insurance rates in Orlando are available in 32803. In 32803, the typical home insurance policy costs $1,673 per year — $32 less than the citywide average in Orlando. Find the best places to live in Orlando for cheap home insurance by looking at the table below.


AFFORDABLE ZIP CODES FOR HOMEOWNERS INSURANCE IN ORLANDO
ZIP CodeAverage Annual Home Insurance Rate
32803$1,673
32812$1,673
32806$1,674

Other parts of Orlando, however, have homeowners insurance rates that are higher on average. These areas could be more prone to perils such as theft, severe weather, or fires that present more risk for insurance companies. An average annual rate of $1,730 makes 32809 the most expensive ZIP code in Orlando for homeowners coverage.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN ORLANDO
ZIP CodeAverage Annual Home Insurance Rate
32809$1,730
32810$1,726
32825$1,725

Looking for a money-saving tip for insurance in Orlando? Try bundling

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 home and auto insurance can save you a substantial sum each month on your auto insurance bill. By bundling your policies, Orlando homeowners could see annual savings of 6% on average.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN ORLANDO
CompanyAvg. Annual Auto Insurance Rate (Bundle)
USAA$837
State Farm$1,419
GEICO$1,971
Allstate$2,251
Progressive$2,464

Bundling your homeowners and auto policies can be a great way to save some money on insurance. Call 855-493-9728 to speak with an insurance professional today.


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