Homeowners Insurance in Sarasota, Florida (2025)

a laid-back city to retire in. From its white-sand beaches to its bustling downtown district and its short drives to both Tampa and St. Petersburg, Sarasota has quickly become a haven for homeowners flocking to the city.

Let’s break down the average cost of home insurance in Sarasota, Florida, as well as go into detail about what it covers and another lesser-known policy that could lend a helping hand.

On average, Sarasota home insurance costs about $2,109 annually. This is about 28% below Florida’s statewide average rate of $2,924 annually.

A big reason why Sarasota has been growing and is pushing more than 60,000 residents is its lower cost of living. Housing prices are much lower in Sarasota than in nearby bigger cities, and, luckily for its residents, so is the average homeowners insurance in Sarasota, Florida.

But the average rate in the city is simply that: a representation of all the homeowners insurance prices rolled into one. When you break it down by company, you can pay even less. Let’s further dissect how rates for home insurance in Sarasota, Florida differ by company.

While these numbers certainly paint a picture, they don’t quite paint the whole picture. In Florida, insurers specifically look to two primary factors when determining one’s rates: home age and wind mitigation. 

In 2001, state legislators sought to prevent costly home damage from hurricanes and tropical storms, so they put stricter building codes into place. These new building codes helped homes withstand heavy winds by implementing hip roofs and impact-resistant windows and doors.

The result? Fewer claims resulting in less money paid out by insurance companies, which then reduced premiums throughout the state. Although Florida is still among the most expensive states in the U.S. for homeowners insurance, Sarasota homeowners insurance offers lower premiums if you take the right steps.

Homeowners who live in homes that were built before this law went into effect have the opportunity to lower their premiums and reinforce their homes by installing wind mitigation measures. These features, like a hip roof or impact resistant windows, can help these older houses get up to code and better survive hurricane-force winds and reduce insurance costs.

Houses built before the new building laws may see above-average premiums. Conversely, those built after the laws went into effect may see below-average premiums, since all the materials and structures are up to the latest safety codes. 

While the best companies for insurance in Sarasota, Florida, are a relative thing, the best prices come from our many partners: Citizens, American Platinum, Southern Oak, and the many others we partner with.

Since Clovered is an independent insurance agency, we’ve teamed up with Sarasota’s top carriers so we can provide each customer with the best policy at the best price. Gone are the days of calling multiple home insurance companies to find the right price. So, whether you’re searching for a home insurance agency in North Sarasota, Florida, or a home insurance agency in South Sarasota, Florida, we’ve got you.

The future of home insurance is here, and we’ve placed ourselves at the intersection of technology and real people to give you the best opportunities. Simply answer a few questions about your house in our online quoting engine, we’ll work some magic pulling data and risk assessments in the background, and then we’ll pair you with a policy for homeowners insurance in Sarasota that fits your needs. 

From weather-related perils like hurricanes, tornadoes and torrential rains to unexpected disasters like house fires, burglaries and even dog bites, Sarasota home insurance covers a multitude of perils. But it’s not just your house and personal belongings that are covered, it’s your financial wellbeing and so much more.

While home insurance in Sarasota, Florida, covers all types of things, we’ll go over what you can expect from your homeowners insurance policy. If you have renters, condo, or mobile home insurance in Sarasota, Florida, your coverage may look a bit different. 

Let’s take a look at all the coverage aspects you’ll get with your homeowners insurance policy and some examples of each.

Coverage A, or dwelling coverage, is the part of your policy that protects the structure of your home. This means your walls, floors, foundation, and other components of your home are protected if a covered peril damages them.

Coverage B, or other structures coverage, is the coverage on your policy that will safeguard the elements of your property that aren’t attached to your main house. This may cover your garage, carport, pool, shed, or other structures if a covered peril damages them.

Coverage C, or personal property coverage, is the part of your policy that protects your belongings. This coverage may protect things like your fancy new leaf blower, computer, clothing, and much more if a covered peril damages them.

Coverage D, or loss of use coverage, may help you out if your home becomes unlivable due to damage caused by a covered peril. It may help you with expenses for basic necessities, like groceries, gasoline, or temporary housing.

Coverage E, or personal liability coverage, protects your liability if a guest injures themself on your property. It may help you cover medical or legal expenses for your guest’s injuries.

Coverage F, or medical payment coverage, can be used if a guest sustains a minor injury on your property. It can only be used for medical expenses. 

Sarasota insurance covers many things, like damage to your home, structures on your property, or your belongings caused by covered perils on your policy, like fires or theft. However, there are a few things that aren’t typically covered by your policy.

For example, residents who own boats may be concerned about how the vessel fits into a homeowners insurance policy. While home insurance offers some protection for boats, it’s quite minimal and comes with several stipulations. Instead, homeowners concerned about the safety of their boats, and their own safety while they’re on the boat, should consider getting boat insurance in Sarasota. 

Similarly, since Sarasota is a coastal city, making homes more prone to water damage than those located further inland, residents may also consider binding a policy for flood insurance in Sarasota. Since homeowners insurance doesn’t cover damage caused by floods, a flood insurance policy can be immensely helpful in this coastal city. 

Flood insurance in Sarasota may run anywhere from $300 to $600 per month or more, depending on the location of your home and the flood zone it’s located in. Since flooding isn’t covered by homeowners insurance and flood damage can be extremely costly, it’s imperative that every homeowner get adequate flood insurance to protect their home and belongings.

With our easy-to-use flood insurance form, getting a quote for flood coverage is simpler than ever. Just fill out a few details about your home and one of our licensed in-house agents will get back to you the perfect policy from either one of our private flood insurance partners or a policy from FEMA’s National Flood Insurance Program.

While your rates are also determined by many factors separate from your home’s value, such as your deductibles, coverage amounts, claims history and insurance score, we can pair you with a Sarasota, Florida homeowners insurance policy that fits your needs and your budget.

All you need to do to get the best insurance company on your side is get a quote with Clovered. It takes just a few minutes, is completely free and is easier than riding a bike. You can also contact one of our many licensed insurance agents in Sarasota, Florida to get the right policy for you. They’re available from 8:30 a.m. to 6 p.m. Monday through Friday at 833-255-4117, or you can email them anytime at agent@clovered.com.