Average Homeowners Insurance Cost in North Port, Florida, by Company No, homeowners insurance isn’t required by law in North Port. However, it will be required by mortgage lenders. So, if you have or are seeking a mortgage, getting home insurance will be a condition of the loan.
Key Takeaways
- The average cost of homeowners insurance in North Port, Florida, is about $2,080 yearly.
- Edison and Slide had the cheapest home insurance in North Port, according to our agency data.
- Before choosing a home insurance provider, you should always compare quotes with several companies to ensure you’re getting the best deal.
How Much Is Home Insurance in North Port, Florida?
Homeowners insurance in North Port is about $2,080 yearly, which is well below the Florida statewide average of $2,857 annually. However, many factors affect rates, and you may encounter higher premiums depending on your home age, location, and more.
North Port is home to a lot of newer construction and condos, which likely help reduce average premiums in the city, as evidenced by our policyholder data. However, Florida is among the most expensive states for home insurance nationwide. While our premiums reflect real policyholders, they may also reflect our agency’s tendency to insure certain types of properties.
Don’t be surprised if you encounter higher prices from some carriers, especially if you have an older or larger home. Regardless of your property type, though, our agents will work to get you the most affordable coverage possible.
|
Company |
Average Premium |
|---|---|
|
Edison |
$1,170 |
|
Slide Insurance Company |
$1,409 |
|
Mangrove |
$1,712 |
|
American Platinum |
$2,158 |
|
American Platinum |
$2,158 |
|
Florida Peninsula |
$3,569 |
|
Average |
$2,080 |
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.
The Cheapest Homeowners Insurance in North Port, Florida
According to our data, Edison and Slide had the cheapest home insurance in North Port. Slide is one of several newer home insurance providers that have popped up in Florida since the state implemented some new laws around 2022 to revive its insurance marketplace, as is Mangrove P&C, another affordable carrier on our list.
A notable omission from our list is Citizens Property Insurance Citizens, a company that was created in the early 200s as a state-run insurer of last resort for Florida residents who have trouble getting a reasonably priced plan with standard insurance carriers.
Citizens’ premiums are subsidized by the government. You can qualify for Citizens if you get three quotes from private carriers that are all over 20% of a Citizens quote for the same coverage. Citizens is always a cheap option for coverage in Florida, albeit with certain drawbacks, but its exclusion from our list could signal a healthy insurance marketplace in North Port where Citizens may not be necessary for many.
The Best Homeowners Insurance Companies in North Port, Florida
The best North Port home insurance company will vary by person, depending on property coverage needs and personal wants. We want to present some criteria to help gauge your options.
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.
Edison
Demotech Rating
A
NAIC Complaint Index
0.40
Average Premium
$1,170
Established in 2006, Edison Insurance Company offers home insurance primarily in Florida through independent agents, like our team at Clovered. It was acquired by Florida Peninsula Insurance Company in 2010, although it still has its own book of business.
Slide Insurance Company
Demotech Rating
A
NAIC Complaint Index
0.56
Average Premium
$1,409
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.
Mangrove Property Insurance
Demotech Rating
A
NAIC Complaint Index
0.00
Average Premium
$1,712
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.
American Platinum
Demotech Rating
A
NAIC Complaint Index
1.95
Average Premium
$2,158
American Platinum Insurance Company, founded in 2011, is a subsidiary of Universal Insurance Holdings, offering home insurance coverage in Florida and Georgia. Policies are available exclusively through independent agents at Clovered.
Florida Peninsula
Demotech Rating
A
NAIC Complaint Index
0.10
Average Premium
$3,569
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.
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.
What Does Homeowners Insurance in North Port Cover?
While your premiums may be based on your claims history, coverage amounts and your home’s location and crime in the area, your policy will come with the same coverage no matter which company you choose.
From weather-related perils like hurricanes, tornadoes and torrential rains to unexpected disasters like house fires, burglaries and even dog bites, homeowners insurance in North Port, Florida covers those and a multitude of other perils.
|
Coverage |
Definition |
|---|---|
|
Dwelling Coverage |
Coverage A helps cover elements of your home, such as the foundation, roof, walls, doors, and windows. Essentially, it protects the structure of your home, hence its other name, dwelling coverage. |
|
Other Structures Coverage |
Coverage B may protect components of your property that aren’t attached to your main home, like your shed, fence, garage, carport, or even your pool. In short, it protects the structures on your property that aren’t your main home. Thus, its other name is other structures coverage. |
|
Personal Property Coverage |
Coverage C may cover damage to the personal belongings you store on your property. It can cover items like your grill, antique armchair, computer, and more. Its other name is personal property coverage. |
|
Loss of Use Coverage |
Coverage D can help you cover unforeseen living expenses like temporary housing or groceries if your home is rendered uninhabitable due to damage from a covered peril. Its other name, loss of use coverage, is pretty self-explanatory for its usage. |
|
Personal Liability Coverage |
Coverage E may help you cover expenses if you’re considered liable for damage to someone else’s property or a guest’s injuries on your property. It can help you cover medical expenses or legal fees. It’s also called personal liability coverage. |
|
Medical Payments Coverage |
Coverage F may be used to cover a guest’s medical expenses after a minor injury on your property, like a broken wrist or a cut that required stitches. It’s also referred to as medical payments coverage. |
How to Get Homeowners Insurance Quotes in North Port, Florida
All you need to do to get the best insurance company on your side is get a quote with Clovered. Simply answer a few questions about your home in our online quoting tool and we’ll customize a policy that meets your needs — and your budget.
If you’d just like to chat with a real person, you can also contact one of our many licensed agents from 8:30 a.m. to 6 p.m. Monday through Friday at 833-255-4117 or email them anytime at agent@clovered.com.
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.
North Port Home Insurance FAQs
Is homeowners insurance required in North Port, Florida?
What is wind mitigation in North Port, Florida?
Wind mitigation involves features of your home, such as roof connections and hurricane windows, that help the dwelling withstand strong winds. Wind mitigation is mutually beneficial for property owners and insurers in hurricane-prone Florida. Having wind mitigation features on your house will greatly discount insurance premiums.
What factors affect North Port home insurance rates?
Home insurance is influenced by several factors, including home age, size, and location. Carriers will also ask about your personal claims history and assess the claims history of the property. Additionally, a company’s business strategy or situation will affect rates.
Do you need flood insurance in North Port, Florida?
Unfortunately, flood damage isn’t covered by homeowners insurance. If you have a mortgage, your lender will require you to purchase a separate flood insurance policy if your house is in a high-risk flood zone, as designated by the Federal Emergency Management Agency (FEMA).
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.
