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Average Homeowners Insurance in Davenport, Florida

By Jarrod Heil

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About midway between Orlando and Tampa sits Davenport, Florida, a quaint town in Davenport County that’s home to a growing population that realizes life outside the city is just that much more enjoyable. 

The residents of Davenport enjoy their pick of the litter when it comes to the beaches along the Atlantic Ocean and Gulf of Mexico, the many lakes that surround the city and the abundance of natural land that’s been preserved in the Hilochee and Lake Marion Creek Wildlife Management Areas.

They also enjoy lower home prices than the state’s larger cities and, with that savings, some of the most affordable homeowners insurance in the state. Let’s dive into what you can expect to pay for homeowners insurance in Davenport, Florida, what it covers and much more.

Average Home Insurance Cost Davenport, Florida

From the outskirts of the sand mine to the homes along Davenport Boulevard and the outskirts of the winery, the average home insurance cost in Davenport, Florida is $1,886 per year for a $150,000 house.

Considering the cost of home insurance in Florida is among the highest in the nation, averaging $2,043 per year statewide and much more in major cities, home insurance in Davenport is relatively affordable by Florida standards.

While many things affect the cost of your homeowners insurance — such as your deductibles, coverage amounts and claims history — one of the biggest determining factors is the company you choose.

So let’s take a surface-level analysis of what you can expect from some of the city’s top insurers. (Keep reading for a deeper dive into a more accurate outlook of your potential premiums.)

Average Homeowners Insurance Cost in Davenport for a $150,000 House


ASI$1,882
Citizens$1,352
FedNat$2,433
Florida Penn$1,449
Liberty Mutual$1,925
People’s Trust$1,804
State Farm$2,660
UPCIC$1,583
Average$1,886

As the numbers reflect, you can expect to pay around $1,500 per year from Citizens, Florida Penn and Universal Property & Casualty Insurance Company — three of the largest companies in the state. But all is not what meets the eye on these average premiums.

Those premiums account for all the company’s policies in the county, but your house can be broken down further into one of three categories. Since the state’s legislation changed the building codes in 2001, those homes built from 2001 to the present day enjoy lower premiums.

But homes built before 2001 can experience similar savings if the homeowners have taken adequate steps to mitigate wind damage from hurricanes and tropical storms.

All you need to do is add impact-resistant windows and doors, invest in a hip roof or do all three for the most savings.

☘ $150,000 Value – Pre-2001 Construction w/ Wind Mitigation: This risk is for a Florida masonry home with a current replacement value of $150,000, a $500 non-hurricane deductible, a 2% hurricane deductible, and no claims in the past three years. Premium examples are shown for maximum wind mitigation features.

☘ $150,000 Value – Pre-2001 Construction w/ No Wind Mitigation: This risk is for a Florida masonry home with a current replacement value of $150,000, a $500 non-hurricane deductible, a 2% hurricane deductible, and no claims in the past three years. Premium examples are shown for no wind mitigation features.

☘ $150,000 Value – 2001-Present Construction: This risk is for a Florida masonry home with a current replacement value of $150,000, a $500 non-hurricane deductible, a 2% hurricane deductible, no claims in the past three years, and minimum premium discounts for limited wind mitigation features and no hip roof.

*Wind Mitigation: A wind mitigation is any protection on your home that helps decrease the damage caused by strong winds like a hurricane. This can include certain roof attachments and coverings, extra water-resistant seals and impact-resistant doors and windows. Wind mitigations typically result in deep discounts on your home insurance premiums, so you’ll want to get one.

Homeowners
Insurance
Company

ASI
Citizens
FedNat
Florida Penn
Liberty Mutual
People’s Trust
State Farm
Universal Property
Average

$150,000 Value Pre-2001 Construction
W/ Wind Mitigation

$1,714
$1,147
$1,974
$1,440
$1,678
$1,607
$2,501
$1,358
$1,677

$150,000 Value Pre-2001 Construction
No Wind Mitigation

$2,465
$1,747
$3,268
$1,756
$2,430
$2,516
$3,334
$2,141
$2,457

$150,000 Value 2001-Present Construction

$1,466
$1,161
$2,056
$1,152
$1,667
$1,289
$2,145
$1,251
$1,523

*Insurers are required to send in their average annual homeowners insurance premiums once per year to the Florida Office of Insurance Regulation, so the rates shown above are the average rates you can expect in Davenport.

It’s Time to Switch Your Homeowners Insurance

We partner with Davenport’s top homeowners insurance companies so you can get a custom policy at an affordable price.

As the average rates reflect, prices are blown a bit out of proportion due to homes built before 2001 that don’t have proper wind mitigation features in effect. Those homeowners pay an average of $2,457 per year, although Citizens and Florida Penn customers are likely to enjoy premiums of less than $1,800 per year.

But the real savings for homeowners insurance in Davenport comes to homeowners who have taken proper steps to mitigate wind damage, whether those efforts were taken on by the homeowners in pre-2001 construction houses ($1,677 per year) or by the builders in post-2001 houses ($1,523 per year).

Remember, the numbers reflected are averages, so premiums can be higher or lower to encompass those averages.

But that means in some instances (depending on which company you choose, your coverage amounts, deductibles and claims history), you could potentially pay less than $1,000 per year for home insurance in Davenport. 

While finding affordable home insurance in Davenport may be relatively easy, especially when using our online quoting tool that gets you a quote in a few minutes, finding a home for $150,000 may prove to be a bit challenging. That’s why we’ve also broken down the average home insurance cost in Davenport, Florida for $300,000 houses.

Average Homeowners Insurance Cost in Davenport for a $300,000 House


ASI$3,763
Citizens$2,703
FedNat$4,865
Florida Penn$2,899
Liberty Mutual$3,850
People’s Trust$3,608
State Farm$5,320
UPCIC$3,166
Average$3,772

Homeowners
Insurance
Company

ASI
Citizens
FedNat
Florida Penn
Liberty Mutual
People’s Trust
State Farm
Universal Property
Average

$300,000 Value Pre-2001 Construction
W/ Wind Mitigation

$3,428
$2,294
$3,948
$2,880
$3,356
$3,214
$5,002
$2,716
$3,355

$300,000 Value Pre-2001 Construction
No Wind Mitigation

$4,930
$3,494
$6,536
$3,512
$4,860
$5,032
$6,668
$4,282
$4,914

$300,000 Value 2001-Present Construction

$2,932
$2,321
$4,111
$2,304
$3,333
$2,577
$4,290
$2,501
$3,046

Coverage to Expect With Homeowners Insurance in Davenport, Florida

Homeowners insurance in Davenport covers you from a variety of uncontrollable perils like burglary, water damage, dog bites, fires, tornadoes and Florida’s most costly and common peril: hurricanes. Plus it protects your home, personal belongings and financial wellbeing from so much more.

Let’s take a look at the coverages included in your home insurance and some examples that go along with each.

Dwelling: Covers your home’s structure and the things that help create it, including the fireplace, windows, doors and flooring.

Other Structures: Covers structures on your property not attached to your house, such as a fence, detached garage, carport or shed.

Personal Property: Covers the personal belongings you keep inside or on your property, such as a TV, electronics, lawnmower and clothes.

Loss of Use: Reimburses you for additional living expenses if you’re forced to move from your home while it’s being rebuilt or repaired.

Liability: Helps to pay for injuries or other property damages that the policyholder is found liable for, such as a broken bone and legal fees.

Medical Payments: Utilized to pay for small medical bills if someone was injured on your property, whether you’re at fault or not.

Finding the Best Home Insurance Companies in Davenport

Whether you have a specific home insurance company in mind or you’re just looking for the best price, we can help you find what you’re looking for. We partner with the state’s top insurers so we can always provide our customers with the best policies at the best prices.

We partner with Citizens, FedNat, Florida Penn, People’s Trust and Universal Property & Casualty Insurance Company — the most affordable insurers in the city — and many more. By doing so, we not only make it more convenient for you, but it also enables us to be the most competitive insurance agency in the state.

How to Get the Most Affordable Home Insurance in Davenport, Florida

Getting your average home insurance cost in Davenport down to what you want to pay is easier than ever when using our online quoting tool. All you need to do is answer a few questions about your property, we’ll analyze the data in the background and then we’ll pair you with a policy that fits your needs — and your budget.

With Clovered, you can say goodbye to calling multiple companies, spending days or weeks securing a policy and having the added stress of finding an affordable policy. We do all that for you — in just a few minutes with the click of a button.

But if you find comfort in talking to real people — after all, home insurance is a big purchase — you can also count on us.

We have a team of licensed, in-house agents and service team members who are ready and waiting for you! Simply reach them from Monday to Friday from 8:30 a.m. to 6 p.m at 833-255-4117 or email them anytime at agent@clovered.com.

It’s Time to Switch Your Homeowners Insurance

We partner with Davenport’s top homeowners insurance companies so you can get a custom policy at an affordable price.