Get Gainesville, FL Home Insurance Rates!

The population of Gainesville is around 124,354 and the average family household is around 2 people per home. Witin this city, it is estimated that a total of 57576 homes are currently insured under a homeowners policy and the total number of occupied households is roughly 51029. The people of Gainesville that own a home or purchasing a new home are looking to easily compare homeowners insurance rates with competitive pricing and enhanced coverage benefits. We provide a comparision shopping experience that is hassle free and you have the chance to review multiple policy options.

The Cost of Homeowners Insurance in Gainesville

Home insurance cost is very competitive in the city of Gainesville. You may be paying an average annual premium of $2,165 while the rest of the country is paying a median price of $1,311 on average with a standard HO-3 homeowners policy. This means that Florida ranks 1 in the country when it comes to comparing average home insurance rates.

Gainesville Homeowners Insurance Coverage Types

Did you know that Gainesville homeowners have several options to choose from when it coming to picking the right insurance type for you and your family? Below is a list of a few of the different, yet common homeowners insurance types.

• HO-2: Basic Policy This policy only covers damage from certain perils that are stated in the policy. If the peril is not listed, it will not be covered. Your personal property is also covered. Most home insurance agents don't recommend these policies except for the most basic coverage needs. An HO-2 policy is usually for homeowners with no mortgage that want to pay the cheapest home insurance premium possible and on most situaionts the primary residence is currently paid in full. Most mortgage providers will not allow homeowners to have an HO-2 policy because of the added risk and minimized coverage protection.
• HO-3: Standard Policy This is by far the most common homeowners policy available. It will cover all perils, with the exception of certain perils listed on your policy, such as flooding and earthquake damage.
• HO-4: Renters Policy The HO-4 policy is for renters. It will protect all of the personal property in your apartment, up to your policy limits, as well as offering liability coverage. The liability portion of the policy will protect your financial assets if someone is injured in your apartment. It will pay for any medical costs as well as defend you in a lawsuit if you happen to be sued. These polices are very affordable and should definitely be considered if you currently live in an apartment.

The city of Gainesville has a median household income of $34,220 it is below the national average of $68,703. Housing is another great reason to live in Gainesville with the average home costing $142,483.

Compare Homeowners Insurance Rates in Gainesville, FL!

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 Gainesville, 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 Gainesville

Are you looking for homeowners insurance in a city near Gainesville? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

• Alachua, FL Home Insurance Quotes
• Archer, FL Home Insurance Quotes
• Earleton, FL Home Insurance Quotes
• Hawthorne, FL Home Insurance Quotes
• High Springs, FL Home Insurance Quotes
• La Crosse, FL Home Insurance Quotes
• Micanopy, FL Home Insurance Quotes
• Newberry, FL Home Insurance Quotes
• Waldo, FL Home Insurance Quotes

Home Insurance Rates by Zipcode in Gainesville, FL

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Gainesville.

32601,     32603,     32605,     32606,     32607,     32608,     32609,     32612,     32641,     32653,     

Homeowners insurance will help cover the cost to repair or replace your Gainesville 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 Gainesville
• 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.

Saving Money Tips on Gainesville Home Insurance

A great way to save money on Gainesville 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 Gainesville area? Check out what homeowners are paying on average for Florida homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

To get online quotes on your home and compare rates on home insurance premiums in Gainesville, 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 Alachua County.

• 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 […]