Cheap Orlando, FL homeowners insurance (August 2025)
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Homeowners insurance in Orlando costs nearly $2,053 on average. It is lower than the state average rate of $2,200 and higher than the national average.
Orlando is a city loved by tourists. This city in central Florida is home to the world’s two most famous theme parks, Walt Disney World and Universal Studios. Apart from tourism, the city has over two million residents. People here enjoy the subtropical weather with mild, warm winters.
But the city comes under the threat of hurricanes and experiences a good amount of rainfall from May to September. And another thing that can worry if you plan to buy a new home is the high percentage of property crime. So the only solution is to have strong home insurance.
Are you looking to buy the best home insurance in Orlando, FL? We have got that covered!
Key Takeaways
- Orlando home insurance costs $2,053 yearly on average.
- Insurers offer premiums starting at around $745 annually.
- Ensure to buy windstorm coverage as the city is susceptible to hurricanes.
Home insurance coverage options in Orlando
Most home insurance policies offer some standard coverages. As a homeowner, you might need to add these coverages to your homeowners insurance in Orlando.
- Hurricane insurance: You must have windstorm coverage if you live in Florida, as Orlando is susceptible to extreme winds and hurricanes.
- Flood insurance: You don’t get flood coverage via your home insurance policy. You can get it separately via a private insurer or get coverage through the National Flood Insurance Program.
- Fire: It can damage the structure and contents of your home. Standard home insurance policies don’t offer coverage. So you should buy an add-on policy.
The cheapest home insurance companies in Orlando
As a homeowner, you will love to buy the cheapest homeowners insurance in Orlando. For that, it is best to get quotes from all insurers in your area, compare, and buy. With a yearly average rate of $745, Travelers offers the most affordable Orlando home insurance. The following are the Orlando home insurance companies offering the most affordable home insurance rates.
| Insurer | Average annual rate |
|---|---|
| Travelers | $745 |
| Universal North America | $1,035 |
| ASI | $1,397 |
| Allstate | $1,418 |
| Chubb | $1,425 |
| Universal Property | $1,448 |
| Nationwide | $1,474 |
| Heritage | $1,937 |
| State Farm | $2,148 |
| Citizens | $4,452 |
Orlando homeowners insurance prices by coverage level
The level of coverage you choose impacts the cost of homeowners insurance in Orlando you pay. Carrying $100,000 in dwelling coverage costs an average of $1,776 in Orlando. Whereas carrying additional coverage up to $400,000 costs $6,008 annually.
| Dwelling coverage level | Average annual rate |
|---|---|
| $100,000 | $1,776 |
| $200,000 | $3,455 |
| $250,000 | $3,824 |
| $400,000 | $6,008 |
Orlando home insurance rates by ZIP code
Orlando home insurance premiums might differ significantly depending on where you live in Orlando. The volume of claims filed in your neighborhood is one of the factors insurers consider when deciding your premiums. We found that the lowest home insurance rates in the city are in the 32801, 32803, 32805, 32806, 32807, 32811, 32812, and 32814 ZIP Codes with Tower Hill.
| ZIP Code | Insurer | Average annual rate |
|---|---|---|
| 32801 | Tower Hill | 1,038 |
| 32803 | Tower Hill | 1,038 |
| 32804 | Tower Hill | 1,406 |
| 32805 | Tower Hill | 1,038 |
| 32806 | Tower Hill | 1,038 |
| 32807 | Tower Hill | 1,038 |
| 32811 | Tower Hill | 1,038 |
| 32812 | Tower Hill | 1,038 |
| 32814 | Tower Hill | 1,038 |
| 32816 | Tower Hill | 1,406 |
| 32817 | Tower Hill | 1,249 |
| 32819 | Tower Hill | 1,247 |
| 32821 | Tower Hill | 1,247 |
| 32822 | Tower Hill | 1,406 |
| 32825 | Tower Hill | 1,406 |
| 32827 | Tower Hill | 1,247 |
| 32829 | Tower Hill | 1,406 |
| 32831 | Tower Hill | 1,406 |
| 32832 | Tower Hill | 1,247 |
| 32834 | Tower Hill | 1,406 |
| 32835 | Tower Hill | 1,406 |
| 32837 | Tower Hill | 1,406 |
Affordable home insurance areas in Orlando
The areas with the 32812 and 32803 ZIP Codes have the lowest home insurance rates in Orlando, with an average of $2,661 annually.
| ZIP Code | Average annual rate |
|---|---|
| 32812 | $2,661 |
| 32803 | $2,661 |
| 32806 | $2,664 |
| 32814 | $2,667 |
| 32801 | $2,669 |
Expensive home insurance areas in Orlando
The 32825 ZIP code has the most expensive home insurance rates in Orlando, with an average of $2,730 yearly.
| ZIP Code | Average annual rate |
|---|---|
| 32825 | $2,730 |
| 32831 | $2,719 |
| 32816 | $2,718 |
| 32829 | $2,717 |
| 32835 | $2,716 |
Cheapest home insurance companies in Orlando for newly constructed homes
New homes are cheaper to insure in Orlando. It is because these homes use modern materials that are resistant to damage. So there are only fewer chances of claim filing. With a yearly average rate of $638, ASI offers the most affordable homeowners insurance in Orlando for new homes.
| Insurer | Average annual rate |
|---|---|
| ASI | $638 |
| Travelers | $641 |
| Universal North America | $715 |
| Nationwide | $904 |
| Universal Property | $998 |
| Chubb | $1,160 |
| Allstate | $1,241 |
| Heritage | $1,334 |
| State Farm | $1,378 |
| Citizens | $3,061 |
Cheapest home insurance companies in Orlando if you have a lot of personal property
Your home insurance policy protects not just the structure of your home but also your personal belongings. The greater the premium, the more personal property coverage you must buy. With a yearly average rate of $871, Travelers offers the most affordable homeowners insurance in Orlando with more personal property coverage.
| Insurer | Average annual rate |
|---|---|
| Travelers | $871 |
| Universal North America | $1,184 |
| ASI | $1,527 |
| Universal Property | $1,657 |
| Allstate | $1,686 |
| Nationwide | $1,716 |
| Chubb | $1,825 |
| Heritage | $2,217 |
| State Farm | $2,230 |
| Citizens | $5,089 |
Cheapest home insurance companies in Orlando for high deductibles
The deductible means the amount you must pay before your insurer covers your claim. Deductibles affect how much your home insurance costs in Orlando. The greater your deductible, the lower your premium. With a yearly average rate of $662, Travelers offers the most affordable homeowners insurance in Orlando for high deductible.
| Insurer | Average annual rate |
|---|---|
| Travelers | $662 |
| Universal North America | $897 |
| ASI | $1,149 |
| Chubb | $1,197 |
| Nationwide | $1,243 |
| Universal Property | $1,254 |
| Allstate | $1,418 |
| Heritage | $1,677 |
| State Farm | $1,800 |
| Citizens | $3,853 |
Home insurance companies in Orlando for dog owners
Insurance companies certain dog breeds as ‘dangerous.’ So, if you own a breed that your insurer considers so, the cost of your homeowners insurance in Orlando will increase. With a yearly average rate of $1,236, Tower Hill offers the most affordable homeowners insurance in Orlando for a home with an aggressive dog breed.
| Insurer | Average annual rate |
|---|---|
| Tower Hill | $1,236 |
| ASI | $1,921 |
| State Farm | $2,119 |
| Universal Property | $2,360 |
| Citizens | $7,839 |
Home insurance companies in Orlando for pool owners
Because of injury threats and the possibility of liability claims, having a pool on your property can impact your home insurance rates. However, some insurers do not place as much importance on this factor when calculating your premiums. With a yearly average rate of $1,236, Tower Hill offers the most affordable homeowners insurance in Orlando for a home with a swimming pool.
| Insurer | Average annual rate |
|---|---|
| Tower Hill | $1,236 |
| ASI | $1,896 |
| State Farm | $2,119 |
| Universal Property | $2,360 |
| Citizens | $7,839 |
Home and auto insurance bundling in Orlando
If you buy your homeowners and auto insurance policies from the same insurer, expect a decrease in your premiums. So, bundle tour policies to reduce home insurance in Orlando, FL.
| Insurer | Average annual rate |
|---|---|
| USAA | $1,234 |
| State Farm | $2,671 |
| Progressive | $3,456 |
| Allstate | $3,566 |
Cheapest home insurance companies in Orlando if you have poor credit
In Orlando, insurers check your credit score when calculating the rate for coverage. Insurers have discovered that those with low credit scores are more likely to file claims. As a result, if you have a low credit score, your house insurance rate will be greater. With a yearly average rate of $745, Travelers offers the most affordable homeowners insurance in Orlando for a homeowner with poor credit.
| Insurer | Average annual rate |
|---|---|
| Travelers | $745 |
| Allstate | $1,418 |
| Universal Property | $1,448 |
| Nationwide | $1,474 |
| Universal North America | $1,703 |
| Heritage | $1,937 |
| ASI | $2,279 |
| Chubb | $2,525 |
| Citizens | $4,452 |
| State Farm | $4,610 |
Home insurance discounts in Orlando
How else can you lower your Orlando homeowners insurance rates? Use the discounts provided by your insurer. These are some of the discounts available in Orlando.
- New or renovated home: Your insurer might discount your insurance if you buy a newly built home or renovate your existing one.
- Safety devices: Some insurers offer discounts to homeowners who install safety and security equipment like fire alarms, burglar alarm systems, or smoke alarms.
- Bundling or multi-policy: You may also be eligible for further discounts if you have many policies with the same provider, like car or life insurance.
- Loyalty: Insurance firms frequently offer loyalty discounts to long-term members.
- Payment: Insurers will offer a discount if you set up an automated payment or pay the premiums on time.
Getting online homeowners insurance quotes in Orlando
You must provide specific information to your insurer to obtain an online home insurance quote, like the following.
- The replacement cost of your home: This will decide how much it will cost to renovate your home if a covered risk damages it. Insurers use this to determine the dwelling coverage limit for your policy.
- The value of your personal property: Your policy’s personal property coverage limit is determined by the value of the personal properties you want to protect.
- Information about your house: To obtain a home insurance quote, you must give info like your home’s size and age and any safety features implemented.
- Personal information: To get a quote for homeowners insurance in Orlando, Florida, you must provide some basic personal information. It contains your address, insurance history, number of occupants, and others.
How to buy homeowners insurance in Orlando
Here are a few tips for buying homeowners insurance in Orlando, FL.
- Reach out to a licensed Way agent: Our agents can help you determine your coverage and compare the quotes from various insurers.
- Ask about the FAIR plan: If multiple insurance companies turn you down due to circumstances that make it risky to insure, our agents will recommend Florida’s FAIR plan as an alternative to standard coverage.
- Fix the deductible: Determine how large a deductible you can afford if you are unlikely to submit claims frequently. Your premium will decrease if you have a higher deductible.
- Compare quotes from a Way agent: The easiest approach to finding the lowest home insurance in the city is to compare quotes from all insurers. Our agents can find them for you.
- Sign the policy and pay your initial premium: Our representatives can handle the paperwork when you’re ready to purchase your policy. You only need to sign the policy and pay the first premium. Also, our agents can cancel your previous policy on your behalf.
Bottomline
The cost of homeowners insurance in Orlando is lower than the state average rate but more than the national average. The high rate is because the city is susceptible to hurricanes and has a high property crime rate. So, to get an affordable Orlando home insurance policy, you must get quotes from all the insurance companies, compare, and then buy. Use the discounts to lower the rates further.
FAQs
How much is home insurance in Orlando?
Homeowners insurance in Orlando costs $2,053 annually.
What is the cheapest homeowners insurance company in Orlando, FL?
Our research found that Travelers is the cheapest Orlando home insurance company, with a yearly average rate of $745.
What is the average cost of homeowners insurance in Orlando, FL?
The average home insurance cost in Orlando comes to around $2,053 annually.
How much is home insurance a month in Orlando, FL?
Home insurance in Orlando, FL, costs $171 monthly.
Do you need homeowners insurance in Orlando, FL?
The state law doesn’t mandate having one. However, if you finance your home, your lender may require one.
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