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Home Insurance in Orlando, Florida: What You Should Know

Orlando is famous for its theme parks and tourist attractions, but homeowners in the area also face specific challenges, including hurricanes, flooding, and thunderstorms. Here’s what you need to know about home insurance in Orlando.

National vs. Orlando Home Insurance Costs

The national average cost for home insurance is $1,400 per year, while Orlando homeowners pay an average of $1,900 per year. The moderate risks in Orlando—compared to more coastal areas—keep premiums somewhat lower.


Home Insurance Rates by Home Age in Orlando

Home AgeAverage Annual Premium
0-10 years$1,800
10-20 years$1,850
20-30 years$1,900
30+ years$2,000

Home Insurance Rates by Credit Tier in Orlando

Here’s a breakdown of how credit scores affect home insurance premiums in Orlando:


Cheapest Home Insurance Providers in Orlando

Here are some of the most affordable home insurance providers in Orlando, along with their average annual premiums:

  1. State Farm: $1,850/year
  2. Allstate: $1,900/year
  3. Liberty Mutual: $1,920/year
  4. Progressive: $1,950/year
  5. USAA: $1,800/year (available for military families)

Home Insurance Rates by Deductible in Orlando

Choosing the right deductible can significantly impact your annual premiums. Here’s how the premium varies with different deductible amounts:


Types of Homeowners Insurance in Orlando

Orlando homeowners have access to various types of homeowners insurance policies:


Additional Coverage Options in Orlando

Given the weather-related risks in Orlando, homeowners should consider the following additional coverages:


Comparing Orlando to Other Florida Cities


Frequently Asked Questions (FAQ) for Orlando Homeowners


Final Thoughts on Home Insurance in Orlando

Orlando offers slightly lower home insurance premiums compared to Florida’s coastal cities, but the area’s susceptibility to hurricanes, sinkholes, and heavy rainfall means homeowners should carefully consider their coverage options. By comparing providers, adjusting deductibles, and considering additional coverages like flood or sinkhole insurance, homeowners in Orlando can ensure they are adequately protected.

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