Homeowners Insurance in Port Orange, Florida (2025)

As a surfside village tucked between New Smyrna Beach and Daytona Beach, Port Orange has a lot to offer its residents. 

While housing prices remain stable in the city, homeowners insurance in Port Orange is a different story. Home insurance is a necessity to protect your home, belongings and financials, especially given its location near the Atlantic Ocean.

Hurricane damage is a real factor to consider in Florida. Luckily, hurricanes are covered by home insurance in Port Orange. But before we dive into what is and isn’t covered, let’s dig into the prices you can expect to pay.

On average, home insurance in Port Orange, Florida costs about $2,122 annually, or about 27% below the average rate in the state. That number is considerably lower than the state’s average of $2,924 annually. But, given that Florida has some of the highest homeowners insurance premiums in the country, that’s not a bad price.

But even though those are the averages, that doesn’t mean you’ll pay that much — or that little. Many factors go into pricing homeowners insurance, and one of the biggest factors is the company you choose. So let’s take a look at what you can expect to pay from some of the best home insurance companies in Port Orange, Florida.

It’s important to note that homeowners insurance rates vary depending on the policyholder, home, policy, and other factors. In Florida specifically, home age and your home’s wind mitigation features are significant premium determinants. 

The first category for drastically cheaper rates occurs if your home was built from 2001 to the present day. Homes in that category were constructed with stronger building codes in mind. Those building codes were implemented by legislation to decrease the harsh damage of hurricanes and other heavy winds throughout the state.

The second category is for homeowners owning homes built before 2001 and who have taken the proper steps to mitigate wind damage. Those mitigations include a hip roof and impact-resistant windows and doors, which all work together to reduce the force of high winds on your home.

If you own an older home and don’t have up-to-date wind mitigation features, there’s a high likelihood your premiums are above the city’s average. They may even be above the state’s average rate, as these houses are risky to insure. The higher the risk an insurer takes when insuring a home, the higher a policyholder’s premiums may be.

You’ll receive protection for your house, belongings and a few other things. To get a complete in-depth breakdown, check out all the following coverages that will be included in your homeowners insurance policy.

Coverage A, or dwelling coverage, can be used to protect the elements that make up the structure of your home. This includes things like your roof, walls, plumbing, wiring, flooring, foundation, and more.

Coverage B, or other structures coverage, helps you protect the things on your property like your fencing, shed, detached garage, or even your pool. In short, it protects the items on your property that aren’t attached to your main home.

Coverage C, or personal property coverage, helps cover the items in your home or on your property if they’re damaged by a covered peril. The list of items protected by this coverage is long and includes things like your patio furniture, living room furniture, sports equipment, clothing, tools, and more. 

Coverage D, or loss of use coverage, can help you cover basic living expenses if your home is significantly damaged by a covered peril, displacing you and your family. It may help you cover costs for things like temporary housing, food, gasoline, and more.

Coverage E, or personal liability coverage, can protect your liability should a guest injure themself on your property or if you damage someone else’s property. It can help you cover costs like legal fees and medical expenses. 

Coverage F, or medical payments coverage, may help you pay for medical expenses should a guest suffer a minor injury on your property, like a broken tooth or a cut that requires stitches. 

Clovered is the only home insurance agency where you can get quotes from the city’s top insurers in one place. We partner with Citizens, American Platinum, and many more companies so you can always get the best policy at the best price.

While a policy from Citizens is likely to be one of the cheapest in the city, the state-run insurance is relegated to homeowners with lower-value homes who may not be able to secure a policy from other insurers. Yet, Citizens will be raising their rates by 14% for residential policies in 2025. 

Many parts of Port Orange are in some form of FEMA-designated flood zone, which means flooding is expected to occur at least once every 100 years. While that may not seem enough to get coverage, consider that just 1 inch of floodwaters typically cause up to $25,000 worth of damage.

Flood insurance in Port Orange 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 consider adequate flood insurance to protect their home and belongings. In fact, Port Orange Mayor Donald Burnette urges citizens to get flood insurance in his annual flood insurance letter. 

To get a policy, 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.

Getting a homeowners insurance quote can be completed in just minutes using our intuitive online quoting tool. Simply answer a few questions about your home, we’ll account for all the additional factors in the background and we’ll provide you with some quotes in minutes.

If you have any questions along the way, our live-chat feature where you can talk to our in-house licensed agents is an excellent option. But if you want to go old-school, we completely understand!

We’re at the intersection of technology and real people, so you can reach an agent by phone Monday through Friday from 8:30 a.m. to 6 p.m. at 833-255-4117 or by emailing us anytime at agent@clovered.com.