Average Rates by Company for Ormond Beach Home Insurance Homeowner insurance isn’t required by law in Ormond Beach. But, coverage can be required by mortgage lenders. When you buy a home with a mortgage, your lender will stipulate in the agreement that you must maintain home insurance for the life of the loan. Lenders do this to protect their investments.
Key Takeaways
- The average homeowners insurance cost in Ormond Beach, Florida, is about $2,750 annually.
- Citizens and American Platinum had the cheapest home insurance in Ormond Beach, according to our agency data.
- If you want to save money and avoid overspending on home insurance coverage, your best bet is to shop around before you buy with the help of an independent insurance agency.
How Much Is Home Insurance in Ormond Beach, Florida?
Home insurance in Ormond Beach, Florida, costs, on average, about $2,750 annually, just shy of the state average of $2,857 per year.
Florida tends to have some of the highest homeowners insurance rates in the country, with coastal areas especially prone to high premiums due to increased hurricane risk and high property values. However, Ormond Beach seems to have been spared from the worst of the prices, perhaps because it’s far north of the hotbed of hurricane damage-prone cities in the southern Atlantic and Gulf coastal regions in the state.
Many factors determine the cost of homeowners insurance, though, including which company you choose. As an independent Florida insurance agency, we can list some real, average premiums of our policyholders in Ormond Beach to help guide you when you seek a policy.
| Company | Average Premium |
|---|---|
|
Citizens Property Insurance Corp. |
$2,406 |
|
American Platinum |
$2,738 |
|
Typtap |
$3,158 |
|
Mangrove Property Insurance Company |
$3,374 |
|
Swyfft |
$4,628 |
|
Edison |
$4,851 |
|
Average |
$2,750 |
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.
Which Companies Have the Cheapest Homeowners Insurance in Ormond Beach?
Citizens and American Platinum have the cheapest home insurance in Ormond Beach, according to our data. However, the cost of home insurance varies due to many factors, and you may be able to find affordable coverage from any of the carriers listed.
It’s important to note that while Citizens topped our list for affordability, it isn’t meant to be a normal insurance provider. Citizens serves as a last-resort option for those who have difficulty obtaining coverage from private insurers. You must get quotes from three standard carriers that are all 20% more than your Citizens quote to be eligible for their coverage.
Our Clovered team will happily help you bind from any of the companies listed above and more. We partner with many of the top carriers in the state, and we work with you to help you save money.
Best Homeowners Insurance Companies in Ormond Beach, Florida
In addition to affordability, policyholders may consider other aspects to determine which insurance company in Ormond Beach is best for them, such as coverage needs, customer service, and company values.
We wanted to give a little more context on each of our partner carriers we’ve mentioned so far. 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.
Citizens
Demotech Rating
NR
NAIC Complaint Index
0.69
Average Premium
$2,406
Citizens Property Insurance Corporation is Florida’s state-run home insurer of last resort. It’s a non-profit entity that provides property insurance to state residents who are unable to obtain coverage in the traditional, private market.
American Platinum
Demotech Rating
A
NAIC Complaint Index
1.95
Average Premium
$2,738
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.
TypTap
Demotech Rating
A
NAIC Complaint Index
1.48
Average Premium
$3,158
TypTap Insurance Company was founded in 2006 and offers home insurance in over a dozen states. It’s primarily distributed through independent agents, like ours at Clovered.
Mangrove Property Insurance
Demotech Rating
A
NAIC Complaint Index
0.00
Average Premium
$3,374
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.
Swyfft
Demotech Rating
NR
NAIC Complaint Index
NR
Average Premium
$4,628
Swyfft is an insurance managing general agency founded in 2014, offering insurance products in several coastal states around the country.
Edison
Demotech Rating
A
NAIC Complaint Index
0.40
Average Premium
$4,851
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.
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Ormond Beach Homeowners Insurance Coverages
The most common type of homeowners insurance, and the one that we’ve been analyzing here, is the HO3 policy form. HO3 policies come with the same standard coverages regardless of the carrier:
| Coverage | Definition |
|---|---|
|
Dwelling Coverage |
Dwelling coverage in homeowners insurance covers your home’s structure and permanent fixtures, including the roof, walls, flooring, balconies, pipes, wiring, and more. |
|
Other Structures Coverage |
Other structures coverage safeguards features on your property not attached to your main house, such as sheds, fences, carports, pools, detached garages, and more. |
|
Personal Property Coverage |
Personal property coverage accounts for your belongings at your home, such as your clothing, electronics, furniture, bicycles, small appliances, tools, jewelry, and more. |
|
Loss of Use Coverage |
Loss of use coverage provides reimbursement for several living expenses if you’re forced to move out of your home after a covered loss. Your insurer can cover lodging, food, gas, and more. |
|
Liability Coverage |
Liability coverage covers you financially if you’re found liable for someone’s injury or property damage after a lawsuit. Your insurance company can help pay medical bills, legal fees, and more. |
|
Medical Payments Coverage |
Medical payments coverage is designed to help cover minor medical expenses, regardless of fault. |
How to Get Home Insurance Quotes in Ormond Beach, Florida
For homeowners insurance quotes in Ormond Beach, turn to Clovered for help. As an independent insurance agency, we partner with the top carriers in the state to bring you several options. You can use our online quoting tool to compare companies in your area at your own convenience.
Or, if you’d rather chat with one of our licensed agents for a quote, call our team at 833-255-4117 during business hours. We’re happy to assist with your property insurance needs. You can also email us 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.
Ormond Beach Home Insurance FAQs
Is homeowners insurance required in Ormond Beach, Florida?
What is wind mitigation in Ormond Beach?
Wind mitigation refers to the process of assessing a home’s structural features to determine its ability to withstand damage from strong winds, such as those generated by hurricanes and tropical storms. Insurers evaluate various aspects of your home, such as your roof shape, attachments, doors, windows, and more. Having wind mitigation features lowers insurance premiums in Florida.
What influences Ormond Beach home insurance rates?
Insurers manage risk, and houses more likely to generate an insurance claim have higher rates. The characteristics of your home and policy, including home and systems ages (HVAC, plumbing, etc.), location, square footage, coverage amounts, and deductibles, are the primary drivers of insurance premiums.
Do you need flood insurance in Ormond Beach, Florida?
You must get flood insurance in Ormond Beach if required by your mortgage lender, which will only happen if your house in in a high-risk flood zone on flood maps created by the Federal Emergency Management Agency (FEMA). Homeowners insurance doesn’t cover flooding damage.
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.
