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Cost of Homeowners Insurance on Average in Seminole County, Florida

It is essential to have homeowners insurance in Seminole County, FL, to protect your home and belongings, as the county is susceptible to hurricanes and tropical storms, which can cause significant damage to homes. The average cost for homeowners in Seminole County, FL, is $1423.98. Homeowners insurance can help cover the cost of repairs or replacement if your home is damaged by fire, weather, theft, or other covered events. It can also help pay for temporary housing and other expenses if you need to evacuate your home due to a covered event. Homeowners insurance can give you peace of mind knowing that you and your home are protected.

Factors affecting home insurance in Seminole County, FL:

1. Home insurance rates by coverage levels

2. Home insurance rates by deductibles

3. Home insurance rates by the age of the home

4. Home insurance rates by the safety features

1. Homeowners insurance in Hernando Seminole County, FL - Rates by Coverage Level

The coverage you purchase is one of the primary factors affecting your homeowner's insurance rates. The more coverage you have, the higher your premium will be. However, it is important to have enough coverage to protect your home and belongings in the event of a disaster. You may have to pay out of pocket to repair or replace your home and belongings if you do not have enough coverage. For example, homeowners in Seminole County, Florida, who choose $300K in coverage pay $2748 for their home insurance. For information on the price of home insurance in Seminole County, Florida, based on the level of coverage, see the chart below.

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2. Homeowners insurance in Seminole County, FL - Rates by Deductibles

The amount you pay for your homeowners' insurance policy may be affected by the deductible you choose. A higher deductible may result in a lower premium, while a lower one may result in a higher one. For example, if you have a $250 deductible and your home suffers $1,000 worth of damage from a covered event, you will pay $250, and the insurance company will pay $750. Homeowners of Seminole County, Florida, who choose a $1000 deductible, pay $1272 for their home insurance, whereas homeowners who prefer a $500 deductible for their home insurance pay $1406.

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3. Homeowners insurance in Seminole County, FL - Rates by the Age of the Home

The age of the home is one of the factors affecting homeowners insurance rates. Older homes are more likely to have problems with the house's structure, such as leaks and cracks, leading to more expensive repairs and replacements and higher insurance rates. Newer homes are less likely to have these problems and may have lower insurance rates. For example, homes that are 30 years old in Seminole County, Florida, have a premium of $1445, whereas newly constructed homes have a premium of $1110.

4. Homeowners insurance in Seminole County, FL - Rates by the Safety Features

Some safety features affecting your homeowner’s insurance rates are burglar alarms, fire alarms, and security systems. If you have any of these installed in your home, it may help to lower your home insurance rates in Seminole County, FL. For example, in Seminole County, Florida residences with sprinkler systems and smoke detectors pay $1281on their homeowner's insurance.

Top Home Insurance Companies in Seminole County, FL

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
Nationwide A+ 8.2%
State Farm A 6.9%
Allstate A+ 4.9%
Liberty Mutual A 3.2%
Travelers A++ 3.1%

Top State Farm Home Insurance Agents in Seminole County, FL

Homeowners Insurance Agents Agent Address Contact Details
Terra Hager 7523 Aloma Ave Ste 106
www.terrahager.com 32792
Ginger Gray 1307 E Normandy Blvd Ste 1
www.gingergray.com 32725
(386) 532-1206
Tim Kammer 2305 S Ridgewood Ave South
www.timkammer.com 32119
Essex Marshall 2199 A Citrus Blvd
www.essexmarshall.com 34748
(352) 315-1364
Wade Pearson 1273 Vineland Rd Ste 140
www.wadepearson.com 34787
Michelle Killian 2315 Curry Ford Rd
www.michellekillian.com 32806
(407) 898-1776
Don Beardsley 1015 Semoran Blvd
www.donbeardsley.com 32707
(407) 332-5200
Thomas Mclaughlin 823 Cheney Highway
32780
Donna Comer 5889 S Williamson Blvd Ste 214
www.donnacomer.net 32128
(386) 767-0122
Alexcius Branch 2813 S Hiawassee Rd Ste 107
www.alexciusismyagent.com 32835-6689
407-522-9700

Top Nationwide Home Insurance Agents in Seminole County, FL

Homeowners Insurance Agents Agent Address Contact Details
Hoyng Insurance Group Llc 222 CHURCH ST
34741
407-847-2841
Michael Tobash 13526 Village Park Drive Suite 222
32837
1-407-812-5774
Gray Insurance Agency Inc 12857 W Colonial Dr Ste 104
34787
(407) 877-2367
Bob Matia Agency Inc 11778 E Colonial Dr Unit 11
32817-4625
407-730-3332
Hoynes Ins Agency Llc 10 E MONUMENT AVE
34741
407-870-5534
James M Bowling 498 S LAKE DESTINY RD
32810
407-838-3445
Jeffrey D Swanson 330 N WOODLAND BLVD
32721
386-734-1864
Don Lester Agency Inc. 1970 Rockledge Blvd Ste 101
32955
(321) 636-4066
Denise Foradas 1073 Cheney Hwy
32780
(321) 383-7771
Hoynes Ins Agency Llc 28 BROADWAY STE 202
34741
407-846-6421

Top Liberty Mutual Home Insurance Agents in Seminole County, FL

Homeowners Insurance Agents Agent Address Contact Details
Tara Brown 101 2Nd Street Suite 202
32609
Stephen Gioia Iii 522 E Colonial Dr
32803
(407) 517-0248
Lester Morales 2315 CURRY FORD RD E
32806
407-898-1776
Tracey Lyon Po Box 75
32772
K. Brian Parks 777 E ALTAMONTE DR
32701
407-788-7112
Jeffrey Creech Lutcf 500 NEW YORK AVE E
32724
386-734-9642
Tatieli De Vargas 2600 Lake Lucien Dr Ste 330
32751
Jeffrey Cole 763 W GRANADA BLVD STE B
32174
386-673-5550
Jeffrey Burchman 1326 S RIDGEWOOD AVE STE 4
32114
386-898-0600
Jeffrey Center 298 S NOVA RD SUITE F
32174
386-672-2827

Top Travelers Home Insurance Agents in Seminole County, FL

Homeowners Insurance Agents Agent Address Contact Details
Agape Community Insurance Agency Inc 207 Magnolia St
www.agapecommunityinsagency.com 32168-7125
386-427-5277
Email:sally@agapecommunityinsagency.com
Ins Planning Center Inc 25 STONE ST
32922
321-636-8878
Email:rwinfrey@insplanning.com
Ea-Austin R Morris Associates Inc 2251 S Woodland Blvd
32720
(386) 738-6955
Worldwide Ins Net Inc-Md 3190 Suntree Blvd #102
32955
Ins Solutions Inc 3270 SUNTREE BLVD STE 103
32940
321-622-5944
Insurance Management Associates Inc 250 INTERNATIONAL PKW STE 128
imaontheweb.com 32746
407-833-8998
K&N Insurance Agency Inc 240 W CHURCH AVE
32750
407-830-6075
Townsend Insurance 222 Church St
34741

Email:patti@thetownsendagency.com
1 Source Llc 1118 Manor Dr
www.onesourcemn.com 32807-3604
407-249-9999
The Douglas Group Inc 3222 Corrine Drive, Suite C
www.douglasinsurance.org 32803

Top Allstate Home Insurance Agents in Seminole County, FL

Homeowners Insurance Agents Agent Address Contact Details
Jeffrey Burke 2525 INTN&#39 L SPEEDWAY BLVD
32114
800-891-4222
Tony Faw 1737 South Orange Ave #300
32806
Garrott-Keller Ins 15820 Dora Ave Ste C
32778
(352) 357-6119
Wells & Middleton 1240 Fairview Ave
32789
Vince Asaro 5111 S Ridgewood Ave
32127
William Daniel 3380 S Park Ave Ste 3
32780
Patrick Carmen Sr 755 W STATE ROAD 434 STE I
32750
(407) 767-0340
Sheneake Glover 763 W Granada Blvd, Suite B Ormond\u00a0Beach
32174
Lester Kelsey 1548 S SEMORAN BLVD
32807
407-898-1116
K. Sue Reiley 254 S RONALD REAGAN BLVD 126
32750
407-770-5703

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

State FarmNationwideAllstate
Median Home Value ($) 201,710221,710221,710
Construction year 201020072014
Home Coverage ($) $300000-$350000$350000-$400000$400000-$500000
Total Premium ($) $6207$8699$8010

Seminole County, FL Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Nationwide upto 10%
Liberty Mutual upto 19%
Travelers upto 11%
Allstate upto 20%