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Home insurance is an important investment for any homeowner. Along with personal property, homeowners insurance covers your dwelling in the event of many perils, including theft, fire, wind damage, and vandalism. Events like this occur often. When paired with the high cost of repairing or rebuilding a home, purchasing a robust homeowners policy can seem like a smart move.
The cost of homeowners insurance coverage is dependent on a number of factors. These include your dwelling's value, the value of your personal belongings, and the cost of the materials used to build 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. Find out more about what is covered by a homeowners insurance policy.
Finding affordable home insurance in Orlando starts with shopping around and comparing policies. Check out the below summary of average Orlando homeowners insurance premiums to ensure you start your search with as much background info 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.
What you pay for homeowners insurance in Orlando will depend on the insurance company you get your policy through. The most affordable home insurance in Orlando is State Farm offering average annual rates at just $702 per year. This is considerably cheaper than 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 you.
| Company | Average Annual Rate |
| State Farm | $702 |
| Security First | $709 |
| Allstate | $1,348 |
| American Integrity | $1,789 |
| Peoples Trust | $1,797 |
The level of homeowners coverage you select has an impact on the insurance premiums you pay. Homeowners in Orlando who carry $200K in dwelling coverage pay an average of $1,181 per year, while those with coverage up to $400K pay around $2,363 per year.
| Coverage Level | Average Annual Rate |
| $100K Dwelling | $713 |
| $200K Dwelling | $1,181 |
| $250K Dwelling | $1,506 |
| $400K Dwelling | $2,363 |
Home insurance premiums can vary depending on what part of Orlando in which you live. The number of claims filed in your local area can be a factor in determining the price of your policy. Put simply, your home's location could have a huge impact on what you pay for insurance.
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.
| ZIP Code | Average Annual Home Insurance Rate |
| 32803 | $1,673 |
| 32812 | $1,673 |
| 32806 | $1,674 |
On the other hand, some areas of Orlando face higher homeowners insurance costs, on average. These areas of the city could be more prone to perils such as theft, severe weather, or fires that present more risk for insurance companies. With an annual average premium of $1,730, 32809 comes in as the costliest ZIP code in Orlando for homeowners coverage.
| ZIP Code | Average Annual Home Insurance Rate |
| 32809 | $1,730 |
| 32810 | $1,726 |
| 32825 | $1,725 |
Among the numerous choices faced by homeowners when shopping for homeowners insurance is how high to set the deductible. The deductible is the total amount that the insured must contribute toward a covered loss. Choosing your deductible plays a significant role in how much you pay for homeowners insurance.
On the whole, having a low deductible means that your insurance premiums will be higher. Therefore, if you are aiming for lower home insurance rates, you’ll want to increase your deductible. Remember that your deductible should only be set as high as you can reasonably pay in the event of a covered loss.
The following table shows the average rates affiliated with deductibles offered by most home insurers.
| Deductible Level | Average Annual Home Insurance Rate |
| $500 | $1,637 |
| $1,000 | $1,506 |
| $1,500 | $1,489 |
| $2,000 | $1,330 |
| $5,000 | $1,275 |
If you’re looking 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 save you a substantial sum each month on your auto insurance bill. In fact, bundling policies in Orlando leads to average annual savings of 6%.
| Company | Avg. Annual Auto Insurance Rate (With 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.
