Port Orange Homeowners Insurance

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  • Port Orange Homeowners Insurance

As a surfside village tucked between New Smyrna Beach and Daytona Beach, Port Orange has a lot to offer its residents. From its proximity to the Ponce Inlet to the many green spaces surrounding the city and the two nearby international airports, there’s no question why Port Orange is making its way onto the list of Florida’s most populous cities.

While housing prices remain stable in the city, there’s another thing residents must purchase to protect their biggest investment. Home insurance in Port Orange is a necessity to protect your home, belongings and financials, especially given its location near the Atlantic Ocean.

While direct hurricane hits tend to miss Port Orange and the surrounding areas, hurricane damage is still a real factor to consider. Luckily, hurricanes are covered by home insurance in Port Orange. But before we dive into what is and isn’t covered, let’s dig into the prices you can expect to pay.

Average Cost of Port Orange, Florida Home Insurance

The average cost of homeowners insurance in Port Orange, Florida is $2,038 per year for a $150,000 house, $3,522 per year for a $300,000 house and $4,657 per year for a $450,000 house.

That number is considerably lower than the state’s average of $2,533, $4,386 and $5,849 per year for a similar-sized home. But, given that Florida has some of the highest homeowners insurance premiums in the country, that’s not a bad price.

But even though those are the averages, that doesn’t mean you’ll pay that much — or that little. Many factors go into pricing homeowners insurance, and one of the biggest factors is the company you choose. So let’s take a look at what you can expect to pay from some of the best homeowners insurance companies in Port Orange.

Average Cost of Homeowners Insurance in Port Orange for 2022

Company

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

$150,000 House

$1,855
$1,119
$2,646
$2,252
$1,875
$2,046
$2,079
$1,971
$2,038

$300,000 House

$3,256
$1,965
$4,645
$3,953
$3,292
$3,591
$3,652
$3,460
$3,522

$450,000 House

$4,503
$2,706
$6,415
$5,458
$4,517
$4,964
$5,019
$4,789
$4,657

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.

The first category for drastically cheaper rates occurs if your home was built from 2001 to the present day. Homes in that category were constructed with stronger building codes in mind. Those building codes were implemented by legislation to decrease the harsh damage of hurricanes and other heavy winds throughout the state.

The second category is for homeowners owning homes built before 2001 and who have taken the proper steps to mitigate wind damage. Those mitigations include a hip roof and impact-resistant windows and doors, which all work together to reduce the force of high winds on your home.

$150,000 House in Port Orange for 2022

Company

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

Pre-2001 No Wind

$2,614
$1,598
$4,247
$3,038
$2,304
$3,011
$2,569
$3,171
$2,956

Pre-2001 w/ Wind

$1,543
$793
$1,597
$1,920
$1,552
$1,556
$1,792
$1,284
$1,592

2001-Present

$1,408
$967
$2,094
$1,798
$1,768
$1,571
$1,877
$1,459
$1,565

If your home falls into one of the two categories listed above, you may be able to get homeowners insurance in Port Orange, Florida for less than $1,600 per year. The averages for a $150,000 house may sound pretty nice. However, finding a house for $150,000 may be tough since the skyrocketing real estate market shows no signs of slowing down.

So we’ve also broken down the average cost of homeowners insurance in Port Orange for a $300,000 house and a $450,000 house.

$300,000 House in Port Orange for 2022

Company

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

Pre-2001 No Wind

$4,575
$2,797
$7,432
$5,317
$4,032
$5,269
$4,496
$5,549
$5,101

Pre-2001 w/ Wind

$2,700
$1,388
$2,795
$3,360
$2,716
$2,723
$3,136
$2,247
$2,755

2001-Present

$2,492
$1,712
$3,707
$3,183
$3,129
$2,780
$3,323
$2,583
$2,709

$450,000 House in Port Orange for 2022

Company

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

Pre-2001 No Wind

$6,535
$3,995
$10,618
$7,595
$5,760
$7,528
$6,423
$7,928
$6,899

Pre-2001 w/ Wind

$3,858
$1,983
$3,993
$4,800
$3,880
$3,890
$4,480
$3,210
$3,859

2001-Present

$3,115
$2,140
$4,634
$3,979
$3,911
$3,475
$4,154
$3,229
$3,286

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.

Homeowners Insurance Coverages Included

You’ll receive protection for your house, belongings and a few other things. To get a complete in-depth breakdown, check out all the following coverages that will be included in your homeowners insurance policy.

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.

Home Insurance Companies in Port Orange, Florida

Clovered is the only home insurance agency where you can get quotes from the city’s top insurers in one place. We partner with Citizens, FedNat, Florida Penn, People’s Trust, Universal Property & Casualty Insurance Company and many more companies so you can always get the best policy at the best price.

While a policy from Citizens is likely to be the cheapest in the city, the state-run insurance is relegated for those homeowners with lower value homes and who may not be able to secure a policy from other insurers.

At just $963 and $948 per year, which is nearly half the average of Port Orange, Universal Property & Casualty Insurance Company is the cheapest option. They’re followed by FedNat, Florida Penn and People’s Trust.

Getting Protection for Port Orange, Florida Hurricane Damage

Many parts of Port Orange are in some form of FEMA-designated flood zone, which means flooding is expected to occur at least once every 100 years. While that may not seem enough to get coverage, consider that just 1 inch of floodwaters typically cause up to $25,000 worth of damage.

Flood insurance in Port Orange may run anywhere from $300 to $600 per month or more depending on the location of your home and the flood zone it’s located in. Since flooding isn’t covered by homeowners insurance and flood damage can be extremely costly, it’s imperative that every homeowner get adequate flood insurance to protect their home and belongings.

To get a policy, 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.

How to Get the Best Home Insurance in Port Orange, Florida

Getting a homeowners insurance quote can be completed in just minutes using our intuitive online quoting tool. Simply answer a few questions about your home, we’ll account for all the additional factors in the background and we’ll provide you with some quotes in minutes.

If you have any questions along the way, our live-chat feature where you can talk to our in-house licensed agents is an excellent option. But if you want to go old-school, we completely understand! We’re at the intersection of technology and real people, so you can reach an agent by phone Monday through Friday from 8:30 a.m. to 6 p.m. at 833-255-4117 or by emailing us 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.