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Know the Average cost of Homeowners Insurance in Osceola County, FL

Osceola County is a beautiful city to settle, but its residents must protect their homes as it has a substantial risk of flooding, severe storms, tornadoes, and other natural disasters. As Florida mainly lies at sea level and is surrounded by large water bodies on each side, the state average premium is higher than the national average premium. The state average premium is $1,605, whereas the national average premium is $1224. In contrast, the average cost of homeowners insurance in Osceola County, FL, is $1359.9.

A few top insurance providers in Osceola County are Florida Peninsula, Allstate, chubb, and Security First, where the average insurance cost is around $535 to $3,218.

However, the cost of homeowners insurance is decided after analyzing certain factors, including the home value, coverage type, deductible, age of the home, and the material used to build your house.

Factors influencing Cost of Insurance

a. Based on the deductibles

The deductible is the amount of money a homeowner pays out of pocket before their insurance policy pays any claims. By choosing a higher deductible, homeowners can lower their monthly premiums.

Homeowners in Osceola County, paying a deductible of 1000, have to pay a premium of $1216. Policyholders paying a deductible of 2000 and 2500 have to pay $1039 and $977, respectively. Homeowners can avail of a discount of $15.9 and $214.9 on deductibles of 500 and 1500, respectively.

Know_the_Average_cost_of_Homeowners_Insurance_in_Osceola_County_FL

b. Based on the Coverage

Home insurance coverage refers to the package offered by the insurance company which covers the damages or loss of the house in any unforeseen circumstances.

In Osceola County, FL, homeowners typically opt for coverages of $400,000 and $500,000, where they have to pay a premium of $4056 and $5192, respectively. In contrast, policyholders who have opted for coverage of $200,000 and $300,000 have to pay a premium of $1798 and $3212, respectively. Therefore, the higher the coverage, the higher the premium charged and higher the protection of the house covered.

c. Based on the Materials Used

Homes built using sturdy materials have a minor threat to damage. For instance, houses built with hail resistant roofs are offered at a premium of $1333 in Osceola County, whereas homes built with Masonry and Brick are offered at a premium of $1292. Thus, the premium charged will be higher if you use low-quality materials to construct your house.

d. Based on the Claim History

Home insurance companies provide discounts to homeowners who have a claims-free history. By providing a history of zero claims, homeowners have to pay a premium of $1184, whereas policyholders with one and two claims have to pay a premium of $1442 and $1551, respectively. So, the higher the number of claims, the higher the premium added to the insurance.

Top Home Insurance Companies in Osceola County, FL

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
Nationwide A+ 8.2%
Erie A+ 7.02%
State Farm A 6.9%
Liberty Mutual A 3.2%
Travelers A++ 3.1%

Top Travelers Home Insurance Agents in Osceola County, FL

Homeowners Insurance Agents Agent Address Contact Details
David Rembert Agency 622 Maitland Ave
32701
(407) 831-8111
Email:rembert@swbell.net
Ins Resources Group Inc 311 MAGNOLIA AVE
32952
321-453-6565
Hayward Brown Flagler Inc 1986 E Osceola Pkwy
www.haywardbrownflagler.com 34743
(407) 348-1332
Executive Insurance Group Llc 258 E Altamonte Dr Ste 2002
www.executivenv.com 32701
(407) 265-1100
Email:matt@executivenv.com
Goosehead Insurance Agency Llc 1434 Cypress Creek Pkwy Ste D
32940
(321) 610-1700
Ins Time Of Bradenton Inc 1301 S PATRICK DR STE 73
www.insurancetime.org 32937
321-735-0381
Email:ADAM@INSURANCETIME.ORG
Allied Insurance Agency Llc 577 Barnes Blvd Ste 450
32955-8800
321-690-1700
The Insurance Place Inc 6767 North Wickham Rd 400Y
www.insplace.com 32940

Email:info@insplace.com
Watkins Insurance Agency Inc 605 E Robinson St #450
32801
Key Insurance Agency Inc 146 E STUART AVE
33853
863-676-7691

Top Nationwide Home Insurance Agents in Osceola County, FL

Homeowners Insurance Agents Agent Address Contact Details
Bob Matia Agency Inc 11778 E Colonial Dr Unit 11
32817-4625
407-730-3332
Molly Cheek Gordon Agency Llc 1560 ORANGE AVE STE 750
32789
(407) 894-5431
Dennis Charles Oneill 400 W New England Ave Ste 1
32789
(407) 740-6740
Denise Foradas 1073 Cheney Hwy
32780
(321) 383-7771
William P Wisotzkey Insurance Agency Inc 2200 Hillcrest St
32803
James E Young 270 WAYMONT CT STE 100
32746
407-328-8585
Denise Sullivan Clement Agency 3450 Bysde Lk Blvd SE Ste 105
32909
(321) 726-4247
Hoynes Ins Agency Llc 10 E MONUMENT AVE
34741
407-870-5534
Dagley Insurance And Financial Services Inc 5030 Minton Road NW
32907-1172
321-723-0333
James M Bowling 498 S LAKE DESTINY RD
32810
407-838-3445

Top Erie Home Insurance Agents in Osceola County, FL

Homeowners Insurance Agents Agent Address Contact Details
Bridge First Financial Inc. 1615 E Vine St
www.bridgefirstfinancial.com 34744-3721
407-846-1644
Bailey Place Insurance 3857 Wekiva Spgs Rd
www.baileyagency.com 32779-3362
407-788-0880
Email:info@baileyplace.com
Your Total Insurance Agency Inc. 815 Mabbette St
34741
Willow Tree Insurance Group Inc. 600 Northlake Blvd Ste 106
32701
Hallmark Insurance Group Inc 1664 Pleasant Hill Rd
www.hallmarkinsurancegroup.com 34746
(407) 931-0228
Hodges Insurance Agency Inc. 2090 MEADOWLANE AVE
32904
321-725-2584
Bill Pasko Agency Inc 4279 S Highway 27 Ste B
www.paskoinsurance.com 34711-5415
352-243-7590
Email:bill@paskoinsurance.com
Glenn Insurance Agency 13574 Village Park Dr Ste 175
32837
(407) 816-0844
Chilton Insurance Agency 1905 Us 27
33870-1858
863-385-3313
Williamson Insurance & Financial Services Inc. 7208 Sand Lake Rd. Suite 300
32819
(321) 234-9392

Top State Farm Home Insurance Agents in Osceola County, FL

Homeowners Insurance Agents Agent Address Contact Details
Tom Gaydos 125 E. Main St
33830
Michelle Kokaly 2301 Lucien Way Ste 360
www.insurewithmichelle.com 32751
(407) 660-1881
Brian Gorum 13574 Village Park Dr Ste 110
www.briangorum.com 32837-7690
407-816-0044
Michelle Yates 4101 Us 27 N
33870
(863) 382-3131
Teri Eaton 500 Sr 436 Ste 2046
www.terieaton.com 32707
Joe Gutierrez 37 North Orange Ave Ste 500
32801
Doug Rajotte 4325 Sun N Lake Blvd Ste 101
www.carinsuranceloveland.com 33872
(863) 402-9057
Vince Iaquinta 7600 Dr Phillips Blvd Ste 46
www.vinceiaquinta.net 32819
Dwain Cluff 2104 W New Haven Ave
32904
(321) 725-8022
Tim Wagner 1925 E Edgewood Dr Ste 104 Lakeland
www.timwagner.org 33803

Top Liberty Mutual Home Insurance Agents in Osceola County, FL

Homeowners Insurance Agents Agent Address Contact Details
Shaun Afshari 100 S 10Th St
33844
Lauren Johnston Lutcf 1115 US HWY 98 SOUTH
33801
863-686-2113
Lester Morales 2315 CURRY FORD RD E
32806
407-898-1776
Jael Fajner 2265 LEE RD STE 201A
32789
407-629-6020
Tatieli De Vargas 2600 Lake Lucien Dr Ste 330
32751
Erika Tortorici 252 W Van Fleet Dr Ste B
33830
(863) 533-4800
Stephen Gioia Iii 522 E Colonial Dr
32803
(407) 517-0248
Lauren Hering 1145 BARTOW RD
33801
863-687-9188
Lauren Franek 100 S 10TH ST
33844
863-422-2345
K. Brian Parks 777 E ALTAMONTE DR
32701
407-788-7112

Homeowners Insurance Comparison for the Cheapest Premiums in Osceola County, FL

State FarmNationwideErie
Median Home Value ($) 178,050178,050148,050
Construction year 200920062003
Home Coverage ($) $150000-$175000$200000-$250000$150000-$175000
Total Premium ($) $2990$3229$2926

Osceola County, FL Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Travelers upto 7%
Nationwide upto 9%
Erie upto 22%
Liberty Mutual upto 18%