Homeowners Insurance in St. Cloud, Florida
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- Homeowners Insurance in St. Cloud, Florida
St. Cloud, Florida, just south of Orlando, is close enough to the theme parks to live in their wake but far enough out of the shadow to maintain its small-town feel. The city is the second-largest in Osceola County and is experiencing notable growth.
Homeowners in the city should protect their valued properties with the right insurance coverage. The guide below underlines what you need to know to find the best homeowners insurance in St. Cloud, including notable cost factors and average rates from several companies.
How Much Is Homeowners Insurance in St. Cloud, Florida?
The average cost of homeowners insurance in St. Cloud is about $3,049 for a $150,000 house, $5,447 for a $300,000 house, and $7,847 annually for a $450,000 home.
Homeowners insurance rates vary from city to city and even house to house, as insurers consider many factors about properties and policyholders to calculate premiums. A primary rating factor is home value. More expensive homes generally need more insurance coverage, which costs more.
Look at the table below for the average homeowners insurance cost in St. Cloud on homes at three different price points.
Average Cost of Homeowners Insurance in St. Cloud | |||
Company | $150,000 House | $300,000 House | $450,000 House |
Allstate | $1,892 | $3,380 | $4,869 |
Citizens | $1,468 | $2,621 | $3,775 |
Florida Penn | $2,300 | $4,107 | $5,916 |
Liberty Mutual | $1,621 | $2,890 | $4,161 |
People’s Trust | $5,316 | $9,494 | $13,677 |
Southern Oak | $4,264 | $7,636 | $11,009 |
State Farm | $2,549 | $4,556 | $6,564 |
Stillwater | $1,182 | $2,114 | $3,047 |
Universal Property | $1,861 | $3,324 | $4,788 |
Average | $3,049 | $5,447 | $7,847 |

We partner with the nation’s top homeowners insurance companies so you can get a custom policy at an affordable price.
Insurers typically determine home value by a building’s replacement cost, which is how much it would cost to rebuild a home entirely, accounting for materials and labor. It normally isn’t the same as the selling price of a home, which would be the market value.
Other important factors influencing rates are home age and existing wind mitigation features. Older houses generally have higher rates than newer ones because 1) older construction isn’t as resistant to storm damage, and 2) wear and tear on the home can lead to insurance claims more quickly (think outdated roofs, leaking pipes, etc.).
Wind mitigation involves outfitting your home with certain features that reduce the likelihood of storm damage, such as roof attachments and hurricane doors and windows. Homeowners who implement wind mitigation on their homes are legally obliged to receive lower insurance premiums.
Look below at the effects of home age and wind mitigation on home insurance premiums for $150,0000 homes in St. Cloud.
Cost of Homeowners Insurance on $150,000 House in St. Cloud | |||
Company | Pre-2001 No Wind | Pre-2001 w/Wind | 2001-Present |
Allstate | $2,474 | $1,730 | $1,471 |
Citizens | $1,848 | $1,261 | $1,296 |
Florida Penn | $2,839 | $2,121 | $1,940 |
Liberty Mutual | $1,905 | $1,373 | $1,584 |
People’s Trust | $7,334 | $4,241 | $4,374 |
Southern Oak | $6,683 | $3,768 | $2,342 |
State Farm | $3,586 | $2,191 | $1,869 |
Stillwater | $1,727 | $1,009 | $811 |
Universal Property | $2,690 | $1,373 | $1,520 |
Average | $4,136 | $2,566 | $2,447 |
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.
Florida Office of Insurance Regulation Premium Consideration Factors | |
Home Construction | Definition |
*Wind Mitigation | 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. |
Pre-2001 Construction w/ No Wind Mitigation | These premiums represent homes built before 2001 with no wind mitigation features. |
Pre-2001 Construction w/ Wind Mitigation | These premiums represent homes built before 2001 with maximum wind mitigation features. |
2001-Present Construction | These premiums represent homes with limited wind mitigation features and no hip roof built from 2001, when Florida redesigned its building codes and mandated that new construction withstand hurricane-force winds better. |
Premiums on houses worth $150,000 were 38% lower on older homes with wind mitigation than those without it. Newer construction also had lower premiums. New homes in Florida are generally required to be built with some wind mitigation measures.
Observe how the trend carries over to homeowners insurance costs in St. Cloud for homes worth $300,000.
Cost of Homeowners Insurance on $300,000 House in St. Cloud | |||
Company | Pre-2001 No Wind | Pre-2001 w/Wind | 2001-Present |
Allstate | $4,453 | $3,114 | $2,572 |
Citizens | $3,326 | $2,270 | $2,266 |
Florida Penn | $5,110 | $3,818 | $3,392 |
Liberty Mutual | $3,429 | $2,471 | $2,769 |
People’s Trust | $13,201 | $7,634 | $7,647 |
Southern Oak | $12,029 | $6,782 | $4,095 |
State Farm | $6,455 | $3,944 | $3,268 |
Stillwater | $3,109 | $1,816 | $1,417 |
Universal Property | $4,842 | $2,471 | $2,658 |
Average | $7,445 | $4,618 | $4,278 |
The final table depicts average home insurance rates in St. Cloud for homes worth $450,000.
Cost of Homeowners Insurance on $450,000 House in St. Cloud | |||
Company | Pre-2001 No Wind | Pre-2001 w/Wind | 2001-Present |
Allstate | $6,432 | $4,498 | $3,678 |
Citizens | $4,805 | $3,279 | $3,240 |
Florida Penn | $7,381 | $5,515 | $4,851 |
Liberty Mutual | $4,953 | $3,570 | $3,960 |
People’s Trust | $19,068 | $11,027 | $10,935 |
Southern Oak | $17,736 | $9,797 | $5,856 |
State Farm | $9,324 | $5,697 | $4,673 |
Stillwater | $4,490 | $2,623 | $2,026 |
Universal Property | $6,994 | $3,570 | $3,801 |
Average | $10,753 | $6,671 | $6,117 |

We partner with the nation’s top homeowners insurance companies so you can get a custom policy at an affordable price.
Companies With the Cheapest Homeowners Insurance in St. Cloud
Stillwater has some of the cheapest homeowners insurance in St. Cloud, according to our analysis. Rates were generally competitive among carriers other than People’s Trust and Southern Oak. However, you may be able to find cheap homeowners insurance in St. Cloud from any company depending on your home and personal details, as many factors influence rates.
You can increase your chances of finding a good deal on home insurance by shopping around for coverage. Compare quotes from several providers before picking a policy to verify you’re getting a good deal.
Policies are typically active for one year before your provider reevaluates your coverage and potentially changes your premiums for the next term. The time around your policy renewal is a good time to shop around for coverage again to see if you can save by switching carriers.
St. Cloud Homeowners Insurance Coverages
While rates vary by company, the coverages in policies typically remain the same. The most common type of homeowners insurance policy is called the HO-3 form, which contains the following coverage areas:
St. Cloud Homeowners Insurance Coverages | |
Coverage | Definition |
Dwelling Coverage | Dwelling coverage in homeowners insurance covers the structure and components of your home, including the roof, walls, windows, flooring, foundation, water heater, pipes, and more. |
Other Structures Coverage | Other structures coverage guards feature on your property not attached to your home, such as sheds, carports, fences, and more. |
Personal Property Coverage | Personal property coverage financially protects your belongings, including furniture, electronics, clothing, jewelry, tools, and more. |
Loss of Use Coverage | Loss of use coverage comes into play if your home has been rendered unlivable by a covered loss, such as a fire or hurricane. Your insurance company can cover lodging, gas, groceries, and more while you’re displaced. |
Liability Coverage | Liability coverage kicks in if you’re found liable for someone’s injury or property damage after a lawsuit. Your insurer can cover medical bills, legal fees, and more. |
Medical Payments Coverage | Medical payments coverage is designed to cover minor injuries someone suffers, regardless of fault. |
How to Get the Best Homeowners Insurance in St. Cloud
To get the best homeowners insurance in St. Cloud, you should know your coverage needs to find the best policy for your circumstances. Then, compare providers to find the best deal.
Set Your Policy Limits
You set your policy limits when getting homeowners insurance. Knowing how much insurance you need to select the proper limits is crucial. Conduct a home inventory to value your belongings and determine the amount of personal property coverage you need.
Raise or lower your liability limits depending on your financial situation and potential risks. For instance, owning large dogs or attractive nuisances can raise your chances of a liability claim, and it may be wise to increase your liability limits.
Understand Coverage Details
You should note how your policy covers damage. Plans usually cover items in one of two ways: actual cash value and replacement cost.
Having actual cash value coverage for personal property and some structures is common, indicating that your insurer will subtract depreciation before reimbursing you during a claim. The older an item is, the less you’ll get for it, meaning you’ll never be reimbursed what you paid for an item unless it was brand new.
Replacement cost coverage, however, provides fair market value or what you paid for an item regardless of age after it was lost or damaged. Replacement cost coverage gives higher payouts but is also the more expensive option. You may have the choice of one or the other when getting your policy, so consider the one that’s the most cost-effective for you.
You should also note that some items are subject to sub-limits in your policy. For example, valuable possessions like jewelry, art, and memorabilia are usually only covered up to $2,500 or $5,000, regardless of their price tag. To fully cover valuables, you may want to look into scheduled personal property coverage.
Shop Around
The homeowners insurance market can be tricky in Florida. The state has one of the highest average home insurance costs in the country. Shopping around is the most proven way to save money on coverage.
When shopping around, note customer service and user experience in addition to rate differences. Some representatives may be friendlier, or company websites may be easier to navigate than others.
What to Know About Flood Insurance in St. Cloud
Homeowners insurance protects your property from a variety of possible damage sources, from theft to fire to hurricanes. But, policies never cover flood damage. If you’re looking for flood protection, you should consider a separate flood insurance policy.
Flash flooding is a concern for St. Cloud residents, evidenced by Hurricane Ian in 2022. Additionally, properties near the shore of East Lake Tohopekaliga and other waterways in the city may be in federally designated flood zones.
Floods are the most common and costly natural disasters in the country. Look into flood insurance for complete protection for your property. Flood insurance covers mudslides, coastal erosion, storm surges, flash flooding, and more.

Do you want to pay for costly and common flood damage yourself or have an insurance policy pick up the tab?
Cost Factors of Homeowners Insurance in St. Cloud, Florida
Insurance companies examine many variables to determine premiums. Normally, houses that are riskier to cover, meaning more likely to generate an insurance claim, have higher premiums. Several factors, like home age, construction style, and claims history, determine property risk.
Older houses generally have higher rates than newer houses because they’re more susceptible to damage. Older roofs, for instance, are a major sticking point for Florida insurers. Additionally, outdated wiring, HVAC, siding, and more can raise rates.
Alternatively, newer houses don’t have general wear and tear and are built up to the latest safety codes. They tend to withstand severe weather better.
Insurers will also note the materials with which your house was built. Masonry homes, made of brick or concrete, withstand wind and fire damage better than wooden frame homes, which can lead to lower insurance rates. Also, homes with unique features can have higher replacement costs and premiums. Also, having attractive nuisances at your house, such as pools or trampolines, increases your liability risk and can raise the average homeowners insurance in St. Cloud.
Is Homeowners Insurance Required in St. Cloud?
The law doesn’t mandate homeowners insurance in St. Cloud, but mortgage lenders can. If you have a mortgage on your home, your lender will require you to maintain coverage for the life of the loan.
Lenders put notable amounts of money down when they help you buy a house with a mortgage. To protect their investment, they make homeowners insurance a condition of their loans. If the house gets destroyed, you and your lender can recover the money invested in the property through the insurance plan.
If you don’t have a mortgage, no one will require you to have a St. Cloud home insurance policy. But, it’s always a good idea to have coverage, or else you risk paying for all property damage out of pocket.
How to Get Home Insurance Quotes in St. Cloud
It’s essential to compare multiple carriers when getting homeowners insurance quotes in St. Cloud. At Clovered, we aim to make this easy. We’re an independent insurance agency that can help you weigh your coverage options quickly and easily.
Clovered was founded in 2018 and is headquartered in South Florida. We’re very familiar with the difficulties of finding coverage in the state, and we want to help you find the coverage you need at the price you want.
You can use our online quoting tool to compare policies from the top home insurance companies in St. Cloud. You can also quote with the help of a licensed agent by calling us at 833-255-4117 during business hours. We’re happy to assist. You can also email us at agent@clovered.com with any questions.

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.