North Port Homeowners Insurance

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Nestled just north of Fort Myers, south of Sarasota and situated in the midst of some of Florida’s most pristine natural wilderness, it’s not hard to figure out why North Port is quickly moving up in the rankings of Florida’s most populated cities.

While North Port’s population has grown considerably in recent years to include nearly 60,000 citizens, it holds a few unique distinctions for homeowners few other larger cities in the state can boast.

Firstly, its housing market hasn’t quite blown the roof off of the values and, for those who do own residences within the city limits, homeowners insurance in North Port is on par and sometimes much cheaper than Florida’s average. So let’s take a look at the numbers and then dive deeper into what’s covered.

How Much Is Homeowners Insurance in North Port, Florida?

On par with the state’s numbers, the average cost of homeowners insurance in North Port, Florida is $2,609 per year for a $150,000 house, $4,514 per year for a $300,000 house and $5,999 per year for a $450,000 house.

When you consider Florida is one of the most expensive states for homeowners insurance, due largely in part to the number of hurricane hits — at $2,533, $4,386, $5,849 per year for the same cost houses — that doesn’t sound like a bad deal.

But the news gets better. Depending on which home insurance company you choose, as well as a few other factors, you could get a policy for much less. Keep reading to figure out how you may be able to get the most affordable policy possible.

Average Cost of Homeowners Insurance in North Port for 2022

Company

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

$150,000 House

$2,213
$1,492
$3,091
$3,466
$1,933
$3,023
$2,539
$2,888
$2,609

$300,000 House

$3,882
$2,620
$5,424
$6,084
$3,394
$5,306
$4,457
$5,069
$4,514

$450,000 House

$5,394
$3,607
$7,510
$8,401
$4,663
$7,342
$6,139
$7,018
$5,999

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.

Florida Office of Insurance Regulation Premium Consideration Factors

The premiums displayed in this article were obtained by the Florida Office of Insurance Regulation. They represent the 2022 rate filings from the state’s largest insurers and can be utilized as an average of what Floridians can expect to pay for homeowners insurance each year.

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.

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.

2001-Present Construction

This risk is for a Florida masonry home with a current replacement value of $300,000, 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.

Those numbers can shrink even more if your home falls into the right categories. The first category is homes that were built from 2001 to the present day. Houses in this category were built stronger to withstand high-force hurricane and tropical storm winds, causing less damage that results in fewer home insurance claims. The fewer claims, the cheaper insurance premiums are for everyone in the state.

The second category applies to houses built before 2001. If your home was built before 2001, you may not experience the same quality of build that withstands heavy winds, but there are a few upgrades you can make to combat wind damage from hurricanes.

The cheaper option is to install impact-resistant windows and doors, which will help you save some money. But the more expensive option, which results in much more savings, is to install a hip roof on your home. Hip roofs help direct the wind away from your home, which results in less damage.

After making those upgrades to a pre-2001 home, you’ll need to get a wind mitigation inspection done and prove to your insurer that you’ve made the necessary upgrades. After you’ve done so, you can experience rates as low — or lower — than the ones represented below.

$150,000 House in North Port for 2022

Company

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

Pre-2001 No Wind

$3,482
$2,173
$5,375
$4,704
$2,564
$5,035
$3,402
$4,712
$4,060

Pre-2001 w/ Wind

$1,712
$1,012
$1,639
$2,935
$1,469
$1,779
$2,045
$1,838
$1,867

2001-Present

$1,445
$1,292
$2,258
$2,759
$1,766
$2,256
$2,170
$2,115
$1,899

If your house falls into one of the two aforementioned categories, your average yearly premium could drop well below $2,000 per year.

Even though homeowners insurance rates can be decreased drastically for homeowners in those two categories, you may have some trouble finding a property in North Port for $150,000 per year. So we broke down the average cost of premiums for $300,000 and $450,000 houses.

$300,000 House in North Port for 2022

Company

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

Pre-2001 No Wind

$6,094
$3,803
$9,406
$8,232
$4,487
$8,811
$5,954
$8,246
$7,018

Pre-2001 w/ Wind

$2,996
$1,771
$2,868
$5,136
$2,571
$3,113
$3,579
$3,217
$3,232

2001-Present

$2,557
$2,287
$3,996
$4,884
$3,125
$3,993
$3,840
$3,744
$3,292

$450,000 House in North Port for 2022

Company

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

Pre-2001 No Wind

$8,705
$5,433
$13,438
$11,760
$6,410
$12,588
$8,505
$11,780
$9,551

Pre-2001 w/ Wind

$4,280
$2,530
$4,098
$7,338
$3,673
$4,448
$5,113
$4,595
$4,549

2001-Present

$3,196
$2,859
$4,995
$6,105
$3,906
$4,991
$4,800
$4,680
$4,002

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.

Dwelling Coverage

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

Other Structures Coverage

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

Personal Property Coverage

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

Loss of Use Coverage

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

Medical Payments Coverage

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

What You Need to Know About Flood Insurance in North Port, Florida

North Port is only a few feet above sea level and it’s surrounded by water. That means flooding is a major concern for the city’s residents. Unfortunately, flood damage isn’t covered by homeowners insurance. To get adequate coverage, you’ll need to purchase a separate flood insurance policy, which we can help you with as well!

With our easy to use flood insurance form, getting a quote for flood insurance is easier 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.

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?

How to Get Affordable Home Insurance 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.

Homeowners
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 editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.