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Homeowners Insurance in Citrus County, FL

The average cost of homeowners insurance in Citrus County, FL, is $1110.42. There are many reasons to invest in a home insurance policy in Citrus County. The most important is that you and your family can avoid financial downfall in the event of a catastrophe at home, whether it's an earthquake, flood, or fire. Other advantages of purchasing home insurance include:

Every home insurance policy is different. Therefore, it is important to shop around to get the best homeowners insurance in Citrus County, FL. Some companies may offer discounts if you take additional precautions to safeguard your property, such as installing hurricane shutters or a security alarm system. Others may give you a lower rate if you agree to install specific safety devices in your homes, such as fire extinguishers and sprinkler systems. Here are a few home insurance companies in Citrus County, Florida.

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Homeowners Insurance in Citrus County, FL - Rates by coverage level

Homes in Florida are vulnerable to getting hit by tropical storms and hurricanes on a regular basis, especially one near the coastline. Citrus County is located on the west-central coast of the United States in Florida. Therefore, it is necessary to have insurance that protects your property and possessions from losses related to these weather events. Homeowners should opt for sufficient coverage that protects their house requirements during a covered loss. For example, homeowners opting for $300K coverage pay $614 on home insurance in Citrus County, FL.

Refer to the graph below to know the homeowners insurance rates in Citrus County, Florida, based on the coverage level.

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Homeowners Insurance in Citrus County, FL - Rates by deductibles

Before availing of home insurance in Citrus County, Florida, homeowners must familiarize themselves with the concept of insurance deductibles. A deductible is an amount you pay out of pocket before your insurance company will step in to contribute towards a covered loss. For example, you make a claim for home repairs after a fire incident, and your deductible is $500. Here, homeowners pay their first $500, and the insurance company would pay the rest up to your coverage limit.

For example, homeowners who opted for a deductible of $1000 pay $935 towards their home insurance in Citrus County, FL. Homeowners who opted for a deductible of 500 pay $1098 towards their home insurance in Citrus County, FL.

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Homeowners Insurance in Citrus County, FL - Rates by the age of the home

The age of the house is one of the essential factors in determining the cost of home insurance in Citrus County, FL. For example, a house built ten years ago is more manageable to break into when compared to a newly built home. This is because older homes lack advanced technologies and security features. Home insurance companies believe that older homes are relatively more vulnerable to burglary and fire. Therefore, they charge high home insurance rates to old houses in Citrus County, FL.

For example, homes that are 40 years old pay a premium of $1140 in Citrus County, FL, whereas newly built homes pay $800 on homeowners insurance in Citrus County, FL.

Homeowners Insurance in Citrus County, FL - Rates by the safety features

Safety features can get you a considerable discount on home insurance rates in Citrus County, FL. For example, homes equipped with fire extinguishers pay $1000 on home insurance in Citrus County, FL. Fire extinguishers are designed to help you resist a small blaze in its initial stages to protect the ceilings, doors, furniture, and other household items from huge damage.

Top Home Insurance Companies in Citrus County, FL

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
Nationwide A+ 8.2%
State Farm A 6.9%
Allstate A+ 4.9%
Liberty Mutual A 3.2%
Travelers A++ 3.1%

Top State Farm Home Insurance Agents in Citrus County, FL

Homeowners Insurance Agents Agent Address Contact Details
Cathy Robinson-Pitts 11315 Little Rd
www.cathypitts.com 34654-1218
727-862-3519
Stephanie Yeakle 2654 Sw 32Nd Place
34471
Joanne K Coates 3411 W Main St Ste 5
34748
Gary Patterson 3290 Commercial Way
www.garypatterson.net 34606
(352) 683-0018
Teresa Barnard 13436 Us Highway 19
www.teresabarnardinsurance.com 34667
Suzanne Gorgas 1845 Collier Pkwy
www.sullivanagent.com 33549
Terry Amacher 10014 Grove Dr Ste A
34668
Randy Wagner 2831 S E 17Th St
34471
Jim Parrilli 10014 Grove Dr Ste C
34668
Mike Grata 117 North Seminole Ave
www.mikegrata.com 34450
(352) 637-5191

Top Nationwide Home Insurance Agents in Citrus County, FL

Homeowners Insurance Agents Agent Address Contact Details
David A. Koontz 11315 Little Rd
34654-1218
727-862-3519
Frank M Schulte 820 S Main St # 1179
34785
(352) 748-2221
Brad Barnett Insurance Agency Inc 4032 Deltona Blvd
34606-2214
352-683-6500
Beidle Insurance Agency Inc 37924 Pasco Ave
33525-4213
352-567-5681
Nathan J Snavely Inc 24 N BROAD ST
34601
(352) 796-3594
Ld Jones Ins Agency Llc 8106 US HIGHWAY 19
34668
727-841-7080
Dean E Cook 28969 Wesley Chapel Blvd
33543
(813) 973-8680
Ld Jones Ins Agency Llc 37927 LIVE OAK AVE
33523
352-521-3030
Carter Glass Ins Agency Llc 2189 Mariner Blvd
34609-3860
352-686-1003
William George Yates 12553 Dr Spring\u00a0Hill
34609

Top Liberty Mutual Home Insurance Agents in Citrus County, FL

Homeowners Insurance Agents Agent Address Contact Details
Jodi Hodnik 1720 SE 16TH AVE STE 301
34471
352-732-5010
Andrew Gaudio 3227 SE Maricamp Rd Ste 102
34471-0832
352-694-9100
Jocelyn Jacobs 10941 S US HWY 441
34420
352-307-6666
Stacy C Kusma 3848 Flatiron Loop #102
33544
Sherri Warcholic 18401 Floralton Dr
34610
Jocelyn Russell 3411 W MAIN ST STE 5
34748
352-787-7548

Top Travelers Home Insurance Agents in Citrus County, FL

Homeowners Insurance Agents Agent Address Contact Details
Flanagan Insurance Agency Inc 2118 SW 20th Pl Ste 101
34471
(352) 622-2333
Gallivan Insurance Agency Inc 119 Marion Oaks Blvd. Suite E
34473
(352) 347-2929
The Bentley Agency 3290 Commercial Way
34606
Varsity Insurance Inc 1425 Se 3Rd Ave
34471
Charles Potter Jr Agency 2709 SW 27th Ave
34471-8948
352-237-5499
Couch Braunsdorf Affinity Inc 37438 Highway 54 West
33542-5366
813-783-8500
The Pass Agency Llc 10941 South Us Hwy 441
34420
Don-Rick Inc 5428 Spring Hill Dr
www.don-rick.com 34606
(352) 683-8783
Email:eric@don-rick.com
Duehning Insurance Agency Llc 1654 Bruce B Downs Blvd Ste A
33544
(813) 991-4321
Diederich Insurance Agency Llc 814 E Slvr Spg Blvd Ste D
34470
(352) 732-5777

Top Allstate Home Insurance Agents in Citrus County, FL

Homeowners Insurance Agents Agent Address Contact Details
Todd Bartusek 8469 W Grover Cleveland Blvd
34446
Conner Family & Associates Llc 7918 Land O Lakes Blvd, Suite 102
34638
813-523-4689
Diane R Kaasch 706 S Main St
34785
(352) 399-7667
Deborah Gerrard 17350 SE 109th Terrace Rd Unit 5
34491
(352) 347-9201
Richard Whitman 409 Se Wenona Ave
34471
Ungalia Mumford 3741 Sw 7 St
34474
William Parker 1024 E Silver Springs Blvd
34470
Ted Todd 38511 5Th Ave
33542
(813) 815-5192
Donald Sewell 18932 N Dale Mabry Hwy Ste 102
33548
(813) 968-2441
Izzy Katsizna 9800 US 441 SUITE 107
34788
352-241-2006

Homeowners Insurance Comparison for the Cheapest Premiums in Citrus County, FL

TravelersAllstateNationwide
Median Home Value ($) 125,660125,660125,660
Construction year 199319912006
Home Coverage ($) $200000-$250000$150000-$175000$150000-$175000
Total Premium ($) $2763$2302$1863

Citrus County, FL Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Nationwide upto 5%
Liberty Mutual upto 15%
Travelers upto 6%
Allstate upto 21%