Orlando, FL Homeowners Insurance

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How to find cheap 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 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.


Orlando, Florida, home insurance — table of contents:
  1. Rates by insurance company
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling discounts

Homeowners insurance in Orlando 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 companies in Orlando, Florida.


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

Average homeowners insurance rates in Orlando by coverage amount

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.


HOMEOWNERS INSURANCE RATES IN ORLANDO — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$1,764
$200K Dwelling$3,443
$250K Dwelling$3,812
$400K Dwelling$5,996

Orlando home insurance prices 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 ZIP CODES FOR HOMEOWNERS INSURANCE IN ORLANDO
ZIP CodeAverage 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 AREAS FOR HOMEOWNERS INSURANCE IN ORLANDO
ZIP CodeAverage Annual Home Insurance Rate
33128$5,360
33135$5,300
33136$5,299

Looking for insights on homeowners insurance in a specific city? Check out our analysis of populous Florida cities:

  1. Hialeah
  2. Miami
  3. St. Petersburg
  4. Tampa
  5. Jacksonville

Home insurance deductibles in Orlando

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.


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

Money-saving tip for home and auto insurance in Orlando: 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 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
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
USAA$1,222
GEICO$2,317
State Farm$2,659
Progressive$3,444
Allstate$3,554

Bundling your homeowners and auto policies can be a great way to save some money on insurance.


Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.