3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Orlando residents pay an average of $5,710 annually for homeowners insurance with a $1,000 deductible and $300,000 in dwelling coverage, which is much higher than the national average of $2,377 per year but lower than the Florida state average of $10,996. You can find the most affordable home insurance coverage by comparing quotes from multiple insurers.
Orlando homeowners pay higher rates due to a number of risks, including damage from hurricanes — specifically severe storm winds and flooding from heavy rainfall. Due to the high risk from severe weather, many insurers have decided to stop selling coverage in Florida, creating a smaller, more expensive insurance market.[1]
Here’s what you need to know about homeowners insurance in Orlando, including how to find a great deal.
Quick Facts
Travelers, Security First Insurance, American Integrity Insurance, and Florida Peninsula Insurance all offer homeowners policies with average premiums of less than $3,000 per year in Orlando.
A standard home insurance policy can cover some damages related to hurricanes, but you might need to invest in additional hurricane and flood insurance depending on where you live in Orlando.[2]
Home insurance in Orlando with a $500 deductible and $300,000 in dwelling coverage costs an average of $5,746 per year — a bit more than a policy with a $1,000 deductible.
Best home insurance companies in Orlando
A number of homeowners insurance companies serve homeowners in Orlando. The ideal home insurance company for you depends on your particular situation and unique coverage needs.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
▲▼
Average Annual Premium
▲▼
Best For
▲▼
Travelers
3.9
$993
Cheapest rates
Security First Insurance
N/A
$2,028
High-value homes
American Integrity Insurance
N/A
$2,249
Military personnel
Florida Peninsula Insurance
N/A
$2,475
Local service
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$83/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$152/mo
Compared to other home insurance companies in Orlando, Travelers offers the lowest rates. You can get a home insurance quote online and work with a local insurance agent to find the right policy. Since the company also offers auto insurance, you may be able to save even more by bundling.
Pros
Home insurance quotes available online
Local insurance experts in Orlando
Cons
Below-average customer satisfaction ranking in J.D. Power’s 2023 U.S. Home Insurance Study
Higher-than-average number of complaints filed with the National Association of Insurance Commissioners (NAIC)
Best insurer for high-value homes: Security First Insurance
Orlando has several affluent neighborhoods with luxury homes, such as Windemere and Rose Isle. If you have a high-value home, coverage from Security First Insurance may make sense. The company has a Premier Homeowners (HO-5) policy geared toward Florida homeowners with a home worth between $500,000 and $2.5 million. If you invest in damage mitigation features, you may save money on your coverage.
Pros
Many optional coverages available
Special discounts for wind mitigation features
Cons
No option to bundle auto insurance
No AM Best financial strength rating
Best insurer for military personnel: American Integrity Insurance
Veterans make up nearly 6% of Orlando’s population. If you’re part of the military community, you might want to consider American Integrity Insurance. This Florida-based homeowners insurance company offers a discount for active and retired military members. You can even get coverage if you have a vacant home.
Pros
Vacant home coverage available
Local insurance agents
Cons
Poor customer reviews on Better Business Bureau (BBB) website
Limited discounts
Best insurer for local service: Florida Peninsula Insurance
If in-person or personalized service is important to you, Florida Peninsula Insurance can be a good fit because the company has many local insurance agents in the Orlando area. Plus, the insurer guarantees speedy claims handling within 24–48 hours, so you won’t have to wait long to get a potential home insurance claim investigated.
Pros
Local agents in Orlando
24-to-48-hour claims handling
Cons
No AM Best financial strength rating
No advertised discounts
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Cheapest home insurance in Orlando
If you’re looking for the cheapest home insurance in Orlando, Travelers is likely your best bet. Its policyholders pay average yearly rates of $993 for home insurance.
The table below shows the cheapest home insurance companies in Orlando. Average annual premiums reflect costs for a home insurance policy with $300,000 in dwelling coverage and a $1,000 deductible.
Insurance Company
▲▼
Average Annual Premium
▲▼
Travelers
$993
Security First Insurance
$2,028
American Integrity Insurance of Florida
$2,249
Florida Peninsula Insurance
$2,475
Armed Forces Insurance Exchange
$2,662
Nationwide
$2,923
ASI
$3,141
Tower Hill Group
$3,867
Heritage Insurance Holdings
$4,168
Bankers Insurance Group
$4,229
Chubb
$4,413
HCI Group
$4,770
Allstate
$4,792
Southern Fidelity
$4,992
State Farm
$5,308
Cost of homeowners insurance in Orlando
Average home insurance rates from Orlando home insurers range from $993–$16,631, making it important to do your research and compare home insurance policies and premiums. Your rate will depend on various factors, such as your coverage options, deductible, the size of your home, credit history, and previous home insurance claims.
Cost of homeowners insurance by dwelling coverage amount
If your home faces damage from a covered loss, it’s crucial that you have enough dwelling coverage to rebuild it. To determine the right amount, consider your home’s age, the square footage, the number of stories, architectural style, and interior features. Higher dwelling coverage will lead to more expensive home insurance rates.
Below, you’ll find how different dwelling coverage levels in Florida may affect annual home insurance premiums. Rates shown are for policies with a $1,000 deductible.
Coverage Limit
▲▼
Average Annual Premium
▲▼
$100,000
$4,235
$200,000
$8,064
$300,000
$10,996
$400,000
$14,709
$500,000
$18,186
Cost of homeowners insurance by deductible
Your home insurance deductible will determine how much you need to pay out of pocket after a covered loss before your policy covers the rest. You can expect cheaper home insurance premiums with a higher deductible. But before you opt for a higher deductible amount, make sure you have the funds to pay for higher out-of-pocket costs if you have to file a claim.
Here’s a look at how deductible amounts influence annual home insurance rates in Orlando for policies with $300,000 in dwelling coverage.
Deductible Amount
▲▼
Average Annual Premium
▲▼
$500
$5,746
$1,000
$5,710
How to get cheap homeowners insurance in Orlando
You can follow these tips to secure more affordable home insurance coverage in Orlando:
Shop around. It’s a good idea to get homeowners insurance quotes from at least three different home insurance companies. This way, you can compare your options and find the most competitive home insurance rates.
Explore discounts. Most home insurers offer discounts to customers. Some examples of discounts you might qualify for include multi-policy, loyalty, and new-home discounts.[3]
Bundle insurance products. If you have another insurance policy, like car insurance or health insurance, you can bundle it with your homeowners insurance. You can score a discount for buying multiple insurance products through the same insurance company.
Enhance your home. You might get a cheaper homeowners policy if you add certain safety features to your home. Some of the best homeowners insurance companies offer discounts to people who invest in burglar alarms, deadbolt locks, and smoke detectors.
Double-check your coverage. Take a close look at your home insurance policy. Make sure you’re only paying for the coverage you need for your home and its risks.
Florida homeowners insurance rates by city
Your location within Orlando will affect your home insurance rates due to variances in weather, crime rates, and proximity to fire stations among different cities. For example, if you live in an area with a particularly high flood risk, you’ll pay higher home insurance costs than people in a lower-risk area.
This table shows how premiums vary in other Florida cities. These rates are for home insurance policies with a $1,000 deductible and $300,000 in dwelling coverage.
How much homeowners insurance do you need in Orlando?
Orlando and the state of Florida don’t require home insurance. But if you have a mortgage, your mortgage lender or company will likely ask you to purchase it. Before you take out a home insurance policy, read it carefully and familiarize yourself with what your policy covers. This can help you prevent hidden fees and surprise expenses later on.
What are some of the biggest risks when owning a home in Orlando?
As an Orlando homeowner, you should prepare for a number of risks your home may face, such as:
Hurricanes
Hurricanes are a common occurrence in Orlando. In some cases, you may need additional coverage or an add-on policy to fully protect your home. You may need to pay a hurricane deductible in addition to a regular deductible.[4]
Floods
Orlando has a moderate risk of flooding. Since a basic home insurance policy won’t cover flood damage, consider flood insurance through the National Flood Insurance Program (NFIP) or a private insurance company.[5]
Theft
Theft rates are higher in Orlando than in other parts of Florida.[6] A standard home insurance policy with personal property coverage will pay for theft-related home insurance claims.
Orlando homeowners insurance FAQs
The following information can help answer your remaining questions about Orlando homeowners insurance.
How much is home insurance in Orlando?
The average annual cost of home insurance in Orlando is $5,710 for a policy with $300,000 in dwelling coverage and a $1,000 deductible. How much you pay for home insurance will depend on your coverage limits, deductibles, ZIP code, home characteristics, insurance company, and more.
Which company has the cheapest homeowners insurance in Orlando?
Travelers has the cheapest homeowners insurance in Orlando, with an average annual premium of $993 for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
Security First Insurance and American Integrity Insurance also have affordable home insurance, with average annual premiums of $2,028 and $2,249, respectively.
Does Orlando require homeowners insurance?
No. Florida state law doesn’t require you to have home insurance, but your mortgage company will require it. Even if you don’t have a mortgage, you should purchase homeowners insurance to protect your home and personal belongings.
Without insurance, you’ll face expensive out-of-pocket costs in the event of damage to your home. A home insurance policy will also cover you if someone incurs an injury on your property.
Why is Florida homeowners insurance so expensive?
Homeowners insurance is so expensive in Florida for two main reasons: limited insurance options and risks from severe weather.
In recent years, some insurance companies have decided to stop writing home insurance policies in Florida. Severe weather, including hurricanes and tropical storms, are common in Florida and can cause extensive damage through wind and storm surges.
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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