Homeowners Insurance in Orlando, Florida

Orlando is known for its world-class theme parks, incredible golf courses and so much more. With all of that combined with great year-round weather and towering palm trees, it’s easy to see why the city’s population has been skyrocketing and why it’s the third-most populous metropolitan area in Florida.

Even though Orlando is an incredible place to call home and the housing market is still affordable compared to other parts of the country, it still faces its fair share of natural disasters and extreme weather events.

Luckily, the proper Orlando homeowners insurance policy can protect you from damage caused by hurricanes, tornadoes, rain, hail and so much more. Let’s take a look at everything you need to know about Orlando homeowners insurance, including the average costs and which companies are best.

The average homeowners insurance in Orlando is about $3,165 per year for a $150,000 house, $6,728 for a $300,000 house, and $8,220 for a $450,000 house. But even though that’s the average cost, you may pay less or more depending on a multitude of factors, most notably the cost of your home and coverage amounts you need to protect it.

The premiums displayed in this article were obtained by the Florida Office of Insurance Regulation. They represent the most recent 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. The example premiums are based on a policy for a Florida masonry home with a $500 non-hurricane deductible, a 2% hurricane deductible and no claims in the past three years.

Breaking down the numbers even further provides a much better representation of what homeowners can actually expect to pay. Once you incorporate all the different factors, like whether or not you’ve had a wind mitigation inspection, premiums can be significantly cheaper, although many Orlando area homeowners were still struggling for relief in 2024. Look at detailed homeowners insurance costs in Orlando on $150,000 homes below.

However, there aren’t many homes left on the market that cost $150,000. If we dive deeper into the numbers and consider those homes worth $300,000 and $450,000, we come out with vastly different numbers for pre-2001 construction homes for all the carriers.

You’ll see that the average cost of homeowners insurance in Orlando, Florida for homes valued at $300,000 averages from a range of $4,441 to $7,795 per year and $450,000 houses average from a range of $6,183 to $11,28 per year.

Although Orlando is about a 45-minute drive from the Atlantic Coast and a 1.5-hour drive from the Gulf Coast, it can still bear the brunt of hurricane winds, which often spawn tornadoes that unexpectedly destroy homes and properties.

It’s also home to more than 50 inches of rainfall each year, some rainstorms coming down so hard you can barely see. And those rainstorms can turn into hail storms at times, too. All of these major weather events are covered by your Orlando homeowners insurance — but they factor into the cost of your homeowners insurance.

A few other factors that can lead to rate increases or decreases in the Orlando area are:

A standard homeowners insurance policy in Orlando includes coverage for all facets of your home and personal life. Whether you think you may use it or not, Orlando homeowners insurance comes with the following coverages.

While there are many homeowners insurance companies to choose from in Orlando, Florida, we’ve partnered with the best companies to provide you multiple coverage options at the best price. We’ve partnered with Citizens, People’s Trust, and Universal Property & Casualty Insurance Company to name a few.

According to the reports regarding the lower categories, which feature homes worth $150,000, State Farm, Tower Hill, and Citizens are the cheapest, all coming in under $2,000 annually on average.

As a licensed insurance agent in Florida, we partner with these different insurers because one single insurance can’t possibly write every policy in the state — not even every policy in Orlando.

So we partner with many homeowners insurance companies in Orlando, Florida so that we can find a policy that fits your needs and meets your budget from an insurer who can actually take on your insurance coverage.

Getting an Orlando home insurance quote is easier than ever with our intuitive online quoting platform. Simply answer a few questions about your property, we’ll fill in the rest and then we’ll pair you with the perfect policy at the right price.

The process to get homeowners insurance quotes in Orlando can be completed in just a few minutes and you won’t even need any additional information to get your policy started. If you have any questions throughout the quoting process, one of our friendly licensed agents will be there to help you along the way.

Flood insurance isn’t included in your Orlando homeowners insurance policy, so your property isn’t covered by flood damage. But don’t worry, because we can help you protect your property and most valuable belongings from floods, especially since they’re quite common after heavy rains in the City Beautiful.

Simply fill out our flood insurance quote form online and one of our in-house licensed agents can find a policy that fits your needs perfectly.

Orlando and the rest of Central Florida are known as being the sinkhole capital of the United States. From 2006 to 2010, Florida saw 24,671 sinkhole-related home insurance claims, most of which occurred in Central Florida and many that occurred in Orlando. Just recently in 2024, a ground depression in Lake County has forced several evaculations and threatened property.

While homeowners insurance in Orlando doesn’t cover sinkholes, you’re not completely out of luck. The state’s insurers are mandated to provide a certain level of sinkhole coverage for all homeowners in the form of a separate policy or an add-on to their current policy, but it’ll cost a bit more.