Average Cost of Homeowners Insurance in Kissimmee Home insurance isn’t required by law in Kissimmee, but people often need it anyway because mortgage lenders mandate it. With a homeowners insurance plan in place, you and your lender are guaranteed a payout in the event your house is destroyed. The insurance policy is like a safety net if something goes wrong, so your lender doesn’t lose out on the money it’s invested.
Key Takeaways
- The average cost of homeowners insurance in Kissimmee, Florida, is about $3,651 annually, which is lower than in most coastal cities in the state.
- Heritage, Slide, and Citizens had the lowest home insurance rates in Kissimmee, according to our agency data.
- The only way to ensure you’re getting the most affordable insurance coverage is to compare quotes from several companies before buying.
How Much Is Homeowners Insurance in Kissimmee, Florida?
The average cost of homeowners insurance in Kissimmee is about $3,651 yearly, although factors such as your home’s location, value, and other variables can cause this number to vary.
Homeowners insurance rates in Florida are among the highest in the country due to high property values and the overall risk of hurricane damage. As an inland city, Kissimmee is spared from the highest rates that hurricane-prone regions experience on the state’s coasts.
Our calculated average rate for the state of Florida is $2,857, so while Kissimmee premiums are above average, you may still be able to find relief depending on your chosen carrier, as exhibited by our policyholders’ average premiums below.
|
Company |
Average Premium |
|---|---|
|
Heritage |
$1,530 |
|
Slide Insurance Company |
$1,918 |
|
Citizens |
$1,946 |
|
Johnson & Johnson |
$2,045 |
|
American Integrity Insurance |
$2,171 |
|
Olympus |
$2,589 |
|
Mangrove Property Insurance |
$2,653 |
|
Patriot Select Property and Casualty |
$2,865 |
|
Southern Oak Insurance Company |
$2,936 |
|
Florida Peninsula |
$3,176 |
|
AmWins |
$3,277 |
|
Swyfft |
$3,871 |
|
American Platinum |
$3,983 |
|
Average |
$3,264 |
It’s Time to Switch Your Homeowners Insurance
We partner with the nation’s top homeowners insurance companies so you can get a custom policy at an affordable price.
Cheapest Homeowners Insurance in Kissimmee, Florida
As an independent Florida insurance agency, we can report that our policyholders were able to find the cheapest Kissimmee insurance with Heritage, Slide, and Citizens, on average.
Citizens differs from the other insurers on the list because it’s run by the state government and designed to be an insurer of last resort for residents unable to find coverage on the private market. Citizens’ policies are artificially subsidized to help those struggling to land a policy.
But, you won’t know which carrier has the cheapest home insurance in Kissimmee, Florida, until you get quotes. You may find cheaper rates from a small regional insurer based on discounts or business strategies. You should always shop around and compare multiple quotes for coverage.
Best Homeowners Insurance Companies in Kissimmee, Florida
The best Kissimmee home insurance carrier primarily depends on your coverage needs and price, but personal preferences like customer service and company values may also come into play for some residents.
We want to analyze some options for you. Average premiums are determined from our policyholder data. Financial strength is determined by each company’s ratings from Demotech, a leading insurance industry credit rating agency.
To gauge consumer satisfaction, we used the National Association of Insurance Commissioners’ complaint index, which compares a firm’s consumer complaint performance with other companies in the market. The default index number is 1.0, meaning a company with a complaint index of 2.0 has a complaint value twice as high as expected. So, for their scale, lower is better.
Heritage
Demotech Rating
A
NAIC Complaint Index
0.78
Average Premium
$000
Heritage Property & Casualty Company is a regional insurer created in 2012, licensed to operate in several states, including many on the East Coast and California. It’s publicly traded on the New York Stock Exchange.
Slide Insurance Company
Demotech Rating
A
NAIC Complaint Index
0.56
Average Premium
$000
Slide Insurance Company was founded in 2021 and began operations offering home insurance in 2022. Available in Florida and South Carolina, the company currently has over 300,000 policyholders in the Sunshine State, making it one of Florida’s largest.
Citizens
Demotech Rating
NR
NAIC Complaint Index
0.69
Average Premium
$000
Citizens Property Insurance Corporation is Florida’s state-run home insurer of last resort. It’s a non-profit entity that provides property insurance to state residents who are unable to obtain coverage in the traditional, private market.
Johnson & Johnson
Demotech Rating
NR
NAIC Complaint Index
NR
Average Premium
$000
Johnson & Johnson is an independent insurance brokerage founded in 1930, offering insurance services in all 48 contiguous states. While not an insurance carrier, it can provide the insurance services needed for many types of personal and surplus lines.
American Integrity Insurance
Demotech Rating
A
NAIC Complaint Index
1.48
Average Premium
$000
Established in 2006, American Integrity Insurance has become one of the five largest home insurers in Florida with over 300,000 policyholders in the state. Since its founding, the company has expanded its coverage to Georgia and South Carolina and gone public, trading on the New York Stock Exchange.
Olympus
Demotech Rating
NR
NAIC Complaint Index
0.90
Average Premium
$000
Olympus Insurance Company has offered home insurance solely in Florida since its founding in 2007, with a general focus on higher-value homes and a count of over 70,000 policyholders.
Mangrove Property Insurance
Demotech Rating
A
NAIC Complaint Index
0.00
Average Premium
$000
Mangrove Property Insurance Company was founded in 2025 in Florida and offers home insurance coverage only in the Sunshine State. It is distributed through independent agents.
Patriot Select Property and Casualty
Demotech Rating
A
NAIC Complaint Index
0.00
Average Premium
$000
Patriot Select Property and Casualty is a new iteration of Anchor Property and Casualty. Established in 2025, Patriot Select offers a range of property insurance policies throughout Florida.
Southern Oak Insurance Company
Demotech Rating
A
NAIC Complaint Index
0.20
Average Premium
$000
Southern Oak Insurance Company is a private home insurer that has been providing coverage to state residents since 2004. Its policies are primarily available only in Florida through a statewide network of independent agents, such as Clovered.
Florida Peninsula
Demotech Rating
A
NAIC Complaint Index
0.10
Average Premium
$000
Florida Peninsula Insurance Company was founded in 2005 and focuses on offering coverage in its namesake state. With over 150,000 policies in force in Florida, it just cracks the top ten list of Florida’s largest home insurers.
AmWins
Demotech Rating
NR
NAIC Complaint Index
NR
Average Premium
$000
AmWins is a specialty insurance distributor and brokerage that offers several types of property and casualty insurance. AmWins operates internationally across several personal and commercial markets.
Swyfft
Demotech Rating
NR
NAIC Complaint Index
NR
Average Premium
$000
Swyfft is an insurance managing general agency founded in 2014, offering insurance products in several coastal states around the country.
Kissimmee Homeowners Insurance Coverages
Certain coverages come standard in every insurance policy, regardless of carrier. The most common type of homeowners insurance form is officially called the HO3 policy. Most people seeking home insurance receive an HO3 policy, which includes the following coverages:
|
Coverage |
Definition |
|---|---|
|
Dwelling Coverage |
Dwelling coverage financially protects your home’s physical structure and components, such as the roof, walls, flooring, balconies, HVAC, and more. |
|
Other Structures Coverage |
Other structures coverage guards features on your property not attached to your main home, including sheds, fences, carports, and pools. |
|
Personal Property Coverage |
Personal property coverage covers your belongings in and around your home, such as furniture, clothing, electronics, bicycles, art, tools, and jewelry. |
|
Loss of Use Coverage |
Loss of use coverage helps cover living expenses you’d incur, such as lodging and groceries, if you’re forced to move out of your home after significant property damage. |
|
Liability Coverage |
Liability coverage can cover medical bills and legal fees if someone suffers an injury at your property and you’re found liable in court. |
|
Medical Payments Coverage |
Medical payments coverage covers minor injury expenses without the need for legal liability. |
Insurance covers your property from several possible damage sources called perils. Common perils include fires, hurricanes, theft, vandalism, and water damage.
How to Get Homeowners Insurance Quotes in Kissimmee
While it might be tempting to settle for the first insurance quote that comes your way, taking the time to explore multiple options can result in significant benefits. Home insurance is a long-term commitment, and the right policy can make a substantial difference in savings, service, and protection over time.
Our team at Clovered wants to help you secure the coverage you need at the price you want. Use our online quoting tool to compare rates from top home insurance companies in Kissimmee quickly and easily.
You can also call us at 833-255-4117 if you want to quote with a licensed agent and fellow Florida resident. We’re based in South Florida, so we’re well-equipped to handle your property’s coverage needs, and we’d be happy to help.
It’s Time to Switch Your Homeowners Insurance
We partner with the nation’s top homeowners insurance companies so you can get a custom policy at an affordable price.
Kissimmee Homeowners Insurance FAQs
Is homeowners insurance in Kissimmee required?
What is wind mitigation in Kissimmee, Florida?
Wind mitigation involves building techniques or adding certain features to a house to help it withstand and resist strong winds, such as those from hurricanes. It’s the law for insurers to reward homeowners with wind mitigation features by significantly discounting their premiums.
What factors affect average Kissimmee homeowners insurance costs?
Insurance companies analyze several variables to determine home insurance premiums. Some of the most significant factors that affect Kissimmee home insurance rates include home age, location, construction materials, property features, policy details, and claims history.
Do you need flood insurance in Kissimmee, Florida
You’re only required to get flood insurance in Kissimmee if you onw a mortgaged property is in a high-risk flood zone labeled by the Federal Emergency Management Agency (FEMA). As with home insurance, lenders require flood coverage in high-risk areas. Homeowners insurance won’t cover damage from flooding.
Stay Above Water With Flood Insurance
Do you want to pay for costly and common flood damage yourself or have an insurance policy pick up the tab?
The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.
