Best & Cheapest Homeowners Insurance In Orlando, FL For 2025

Travelers offers the cheapest homeowners insurance to homeowners in Orlando, with an average annual quote of $1,000.

We’ve saved shoppers an average of $450 per year on their home insurance.

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Updated: 01 August 2025
Written by Bob Phillips
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In Orlando, Travelers provides the cheapest policy, with average annual rates of $1,000. However, keep in mind that the best insurer for you may vary based on your unique circumstances and requirements.

Orlando experiences approximately 1,060 residential burglaries annually. Additionally, Orlando’s rates climb with hurricane winds, flood-zone maps, older wood-frame roofs, termite trouble, and rising rebuild costs.

To help people navigate the tough home insurance market, I researched several options to find you the best and cheapest home insurance companies in Orlando, FL.

Key Takeaways

  • Travelers provides the cheapest home insurance policy in Orlando, at an average annual rate of $1,000

  • The average cost of homeowners insurance in Orlando is $5,715 per year.

  • There are various ways to save on your premiums, such as shopping around for quotes and re-assessing your coverage needs.

Cheapest Homeowners Insurance In Orlando

Travelers is the cheapest overall carrier for homeowners insurance in Orlando, FL, with an average annual rate of $1,000.

Company Annual Premium
State Farm $5,310
Security First $2,030
Allstate $4,800
Nationwide $2,925
Travelers $1,000

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Cheapest Homeowners Insurance In Orlando If You Have Poor Credit

If your credit score is poor, Security First provides the most affordable solution, with an average annual rate of $990.

Insurance Company Average Annual Premium
Tower Hill $1,875
Universal Property & Casualty $2,230
Security First $990
American Integrity $2,345
Florida Peninsula $2,015

Cheapest Homeowners Insurance In Orlando For Older Homes

For those with older homes, Security First offers the cheapest rates, averaging $775 per year.

Older homes often come with unique risks and maintenance issues, which can drive up insurance costs.

Insurance Company Average Annual Premium
Security First $775
Florida Peninsula $2,065
Tower Hill $1,370
Universal Property $2,345
American Integrity $2,660

Cheapest Homeowners Insurance For Newly Constructed Homes

If you’re the proud owner of a newly constructed home, Travelers offers the most cost-effective solution, with an average annual rate of $945.

Insurance Company Average Annual Premium
Travelers $945
Tower Hill $1,590
Security First $1,375
American Integrity $1,985
Florida Peninsula $1,740

Cheapest Home Insurance In Orlando For A History Of Claims

For homeowners with a history of claims, Security First provides an affordable solution, with an average annual rate of $950.

A history of claims can raise red flags for insurers, often leading to higher premiums.

Insurance Company Average Annual Premium
State Farm $2,410
American Integrity $2,460
Security First $950
Chubb $5,580
Florida Peninsula $1,920

Best Homeowners Insurance Companies In Orlando, FL

To make your decision-making process easier, we’ve compiled a list of the top homeowners insurance companies in Orlando, FL. These companies have been assessed based on their annual premiums, coverage options, customer satisfaction ratings, and overall reliability.

Take a look at our comparison chart below and find the perfect fit for your home insurance needs.

Company Annual Premium
State Farm $2,010
Florida Peninsula $1,915
Universal Property $2,330
Security First $940
Tower Hill $1,225

How Much Is Homeowners Insurance In Orlando, FL?

The average cost of home insurance in Orlando is approximately $5,715 per year. It’s important to understand that rates are not a one-size-fits-all matter. They can fluctuate significantly based on a myriad of factors.

As you can see below, rates in Orlando are more expensive than the National average and the Florida State average.

Area Average Monthly Rate
National $1,820
Florida $3,390
Orlando $5,715

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Average Orlando Home Insurance Rates By ZIP Code

The cost of homeowners insurance in Orlando, FL can vary significantly based on the ZIP code.

The table below showcases average rates for different zip codes in Orlando.

ZIP Code Average Annual Premium
32825 $2,358
32837 $2,338
32811 $2,305
32835 $2,340
32822 $2,338

Cheapest ZIP Codes For Home Insurance In Orlando

At $2,280 per year, the ZIP code 32803 is the cheapest average ZIP code for home insurance in Orlando.

ZIP Code Average Annual Premium
32812 $2,281
32814 $2,290
32801 $2,292
32806 $2,288
32803 $2,280

Most Expensive ZIP Codes For Home Insurance In Orlando

The most expensive ZIP code in Orlando is 32825, at an average annual premium of $2,358.

                                   ZIP Code Average Annual Premium
32816 $2,345
32829 $2,342
32835 $2,340
32831 $2,345
32825 $2,358

Average Home Insurance Rates In Orlando, FL By Deductible Amount

The deductible amount chosen for a homeowners insurance policy significantly affects the premium rates in Orlando, FL. Generally, a higher deductible means lower premiums, but you’ll pay more out of pocket if you need to make a claim.

Here’s how the average home insurance rates in Orlando fluctuate with insurers for different deductible amounts:

Insurer Annual Rate for $500 Deductible Annual Rate for $1,000 Deductible Annual Rate for $1,500 Deductible
Travelers $1,048 $993 $955
Security First $2,104 $2,028 $1,996
American Integrity $2,299 $2,249 $2,184
Florida Peninsula $2,532 $2,475 $2,415
State Farm $5,413 $5,308 $5,240

Average Home Insurance Rates In Orlando, FL By Coverage Amount

One of the key components that influences your premium is the dwelling coverage amount. This is the maximum amount your insurance company will pay to rebuild or repair your home if it’s damaged or destroyed.

The below table outlines the average annual homeowners insurance premiums for different dwelling coverage amounts.

Dwelling Coverage Amount Average Annual Premium
$200,000 $1,600
$250,000 $1,900
$300,000 $2,320
$350,000 $2,710
$400,000 $3,070

Compare Home Insurance Rates To Other Cities In Florida

The following table shows the average rates of home insurance across various cities in Florida.

City Annual Premium
Gainesville $1,399
Miami $3,944
Tallahassee $1,286
Fort Myers $1,902
Fort Lauderdale $2,572
Boca Raton $4,410
St. Petersburg $1,325
Tallahassee $1,286
Melbourne $1,798
Cape Coral $1,687
Lake City $2,924
Miami Lakes $5,950
Naples $2,530
Ocala $1,960
Pensacola $2,115
Tampa $2,270
Port St. Lucie $2,024

Bundle Home With Auto Insurance

Bundling your homeowner’s insurance with your auto insurance is a popular way to lower premiums. Many insurance providers offer discounts when you combine multiple policies, as they see it as an opportunity to retain you as a customer across different types of coverage. The savings from bundling can vary, but it’s common to see discounts ranging from 5% to 15% on your home insurance premium.

This method can be especially useful for homeowners who already have an auto insurance policy. By consolidating both policies with the same insurer, you simplify your insurance management and may receive better overall customer service. In addition to lower premiums, bundling may also provide more flexible payment options and potentially higher coverage limits.

Before deciding to bundle, it’s important to compare the total cost of bundling with the cost of purchasing separate policies. While bundling may offer discounts, it’s still worth ensuring that each individual policy provides the coverage you need at a reasonable rate.

How To Get Homeowners Insurance In Florida

With informative sites like Insuranceopedia, finding the best coverage for your unique needs is just a few clicks away. By providing quick online quotes from a variety of top-rated insurers, Insuranceopedia helps you to compare rates at a glance.

Just input your details and let us do the hard work, presenting you with a range of options tailored to your requirements. This way, you can confidently choose a policy that offers the highest value, balancing cost with comprehensive coverage.

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