Dade City, FL Home Insurance Quotes!
If your primary focus for shopping online for Dade City, FL homeowners insurance is based on affordable rates, then you have come to the right place. At GetHomeInsuranceQuotes.com, we compare the rates for you amongst 12 different carriers that all have competitive premium prices for homeowners living in the city of Dade City. It's not uncommon for local residendce to want to discover lower home insurance cost. Our long term experience and fast quoting process allows us to compare premiums and coverages, which allows you to benefit from savings and getting the coverage protection you need for your home. It only takes a few minutes to shop the best rates and prices for your home within or nearby the Dade City area.
Average Homeowners Insurance Rates in Dade City, FL
Dade City homeowners often want to know what other homeowners pay on average per month. This is a common question our insurance agents receives from customers that are looking to easily compare and lower rates. Dade City homeowners are paying around $1,350 per year. The state average is $2,165 per year for a standard policy. Shopping the best companies and offering discounts with a home insurance policy you can depend on and trust is what we enjoy doing for you. We help homeowners in Dade City pay around $1,600.00 per year on average, which is only $133.00 per month for great coverage you can depend on. Smaller homes in Dade City may see even lower prices in the $1,350.00 per year. Larger homes in the 3,000 square foot range will be more on the higher priced insurance coverage due to the replacement cost of more expensive homes. Rates for higher-end homes are around $1,900.00 per year depending on dwelling coverage, zoning and available discounts. Start shopping your home insurance today to get the best rate!
What's Covered?
The average homeowners insurance rates reflect the cost of a standard homeowners insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and liability coverage. For homeowners living in Dade City, it's important to know that your basic homeowners insurance policy does not protect you from flood damage. You need to purchase a separate policy know as a "flood insurance policy", and best of all our agents can help you determine what's the best fit for your home in terms of protection towards wind, hail and flood zones.
Dade City, FL Housing Data
The city of Dade City has grown to 6,437 residents in population size with 27,114 homes to be established within the city of Dade City. The average house value per zip code in Dade City, FL is $137,050. To help you determine your replacement cost for your home, you can review average and upgraded dwelling coverage options by using our homeowners insurance calculator.
Compare Homeowners Insurance Rates in Dade City, FL!
Get up to 12 competitive Dade City, FL homeowners insurance rates all in one place! |
Our Service in Florida
You can feel confident that our experience, integrity and service will help you find the best insurance policy at a price you can afford. We work with a wide variety of insurers in Dade City, Florida and all of them are top rated "A+" by A.M. Best Rating and have been in business for several decades.
Just a few of the insurers we work include American Integrity Insurance Group, Anchor Insurance, ASI, Bankers Insurance Group, Centauri Insurance, Chubb, Edison Insurance Company, Florida Peninsula Insurance Company, Heritage Insurance, Lexington Insurance, Olympus Insurance, People's Trust Insurance Company, St. Johns Insurance Company and many more.
Average Rates Nearby Dade City
Are you looking for homeowners insurance in a city near Dade City? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!
- Aripeka, FL Home Insurance Quotes
- Holiday, FL Home Insurance Quotes
- Hudson, FL Home Insurance Quotes
- Land O Lakes, FL Home Insurance Quotes
- New Port Richey, FL Home Insurance Quotes
- Port Richey, FL Home Insurance Quotes
- San Antonio, FL Home Insurance Quotes
- Spring Hill, FL Home Insurance Quotes
- Wesley Chapel, FL Home Insurance Quotes
- Zephyrhills, FL Home Insurance Quotes
Home Insurance Rates by Zipcode in Dade City, FL
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Dade City.
Dade City, FL Home Insurance Average Premiums
$1350 /yr.
For the city of Dade City, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $1350 /yr. |
| Average Coverage: | $1600 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1900 /yr. |
What is the average home insurance cost for a home in Dade City, FL?
- • The average homeowners insurance premium paid annually for a home in Dade City is around $1600 per year.
What does it cost on average per month for home insurance in Dade City, FL?
- • Homeowners in Dade City pay an average cost per month around $133.00 for insurance coverage.
Dade City, FL Coastal Wind, Hail & Flood Information
Dade City is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.
Flood Zone Notice: The beautiful coastal city of Dade City is know for it's beautiful beaches and waterways. Because Pasco County (FIPS: 12101) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Dade City, FL.
Coastal Dade City, Florida Information: To obtain flood insurance coverage, the process usually takes more than 30 days to finalize, if you need flood insurance coverage now, please call us at 888-620-1954.
For more information about your area, please click Coastal Homeowners Insurance in Florida
Dade City, FL - 2023 Housing Information
| Month | Current Home Value (2023) | Last Year Home Value (2022) |
|---|---|---|
| January | $241,203 | $213,056 |
| February | $241,602 | $216,065 |
| March | $242,725 | $220,131 |
| April | $242,585 | $225,243 |
Homeowners insurance will help cover the cost to repair or replace your Dade City home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:
- Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Dade City
- Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
- Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
- Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
- Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Get up to 12 competitive Dade City, FL homeowners insurance rates all in one place! |
Saving Money Tips on Dade City Home Insurance
A great way to save money on Dade City homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:
- Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
- Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
- Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
- Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.
Are you shopping for the best rate near or wihin the Dade City area? Check out what homeowners are paying on average for Florida homeowners insurance.
Elevation Review for Coastal Wind or Flooding Risk
| Elevation | Details | Homeowners Tips |
|---|---|---|
| 131 ft. | This is the average home elevation in Dade City, FL | » Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Dade City, Florida. A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home. Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy. It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas. |
To get online quotes on your home and compare rates on home insurance premiums in Dade City, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Pasco County.
Florida Homeowners Insurance News & Information
-
Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024
A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase. Currently, a Broward commissioner is asking Congress to pass legislation he claims […]
-
Florida Lawmakers May Allow Takeout Offers to Citizens’ Policyholders Posted on Wednesday 13th March, 2024
Lawmakers in Florida are moving closer to allowing specific insurer types to make offers to policyholders currently with Citizen’s Property to insure their vacation or second home. SB 1716 this week cleared the Senate’s Fiscal Policy Committee for the takeout offers after the Senate’s Banking and Insurance Committee approved the measure earlier this month. This […]
-
Florida has 7 New Home Insurance Companies Entering the Market Posted on Friday 1st March, 2024
Recently, Florida has seen seven new insurance companies enter the market for homeowners coverage. Currently, the average premium for homeowners coverage is $6,000 a year in the Sunshine state compared to a nationwide average of just $1,700 a year, according to the Insurance Information Institute. The Insurance Information Institute is hopeful that the new insurance […]
-
What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024
If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]
-
Florida Homeowners Advance From Citizens into Private Companies Posted on Tuesday 5th December, 2023
Homeowners Choice Property and Casualty Insurance Co. has assumed approximately 53,750 policies from Citizens Property Insurance Corp., Florida’s state-backed insurance company, the parent company says in a Tuesday news release. Homeowners Choice is owned by HCI Group Inc., a holding company with operations in homeowners insurance, information technology services, real estate and reinsurance. Homeowners Choice […]
Dade City, FL Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Dade City so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.
What is the average replacement cost coverage in Dade City, FL?
- The average square footage in Dade City is around 821 Sq. Ft. which would cost you around $137,050 to replace the home if you base the home on the price to build per square foot of $167.
Minimum Replacement Cost Total: $137,050
Location: Dade City, Florida (Pasco County)
Average Building Cost Per Square Foot in Dade City: $167 (low end)
Average Square Footage in Dade City: 821 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $167 | $137,050 |
| Some Additional Upgrades | $209 | $171,313 |
| Major Home Updates or Advancements | $251 | $205,575 |
The dwelling coverage is calculated by the average cost per square foot ($167) in Dade City, Florida times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $521,875 (Media price to build of $209 x 2500 sq. ft.) to cover the cost to rebuild your new home.
What is the difference between actual cash value and replacement cost value?
Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:
Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.
Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.