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Average Cost of Homeowners Insurance in Hernando County, FL

Florida has some of the highest rates because of hurricanes and tropical storms. The average cost of homeowners in Hernando County, FL, is $1130.88. Homeowners insurance in Hernando County, FL, can be expensive, but you can follow a few tips to save money. Ensure your home is up to code and monitored against fire damage, wind damage, theft, vandalism, and other perils. Be wary of natural disasters around your area and protect yourself financially with good homeowners insurance in Hernando County, FL.

Comparing different insurance providers is the best way to find the cheapest home insurance in Hernando County, FL. Top-rated insurers like ASI Preferred, Travelers, chubb, progressive provide coverage to homeowners in Hernando County, FL, at competitive quotes. Before purchasing a home insurance policy, compare these insurance providers in Hernando County, FL.

Average_Cost_of_Homeowners_Insurance_in_Hernando_County_FL

Factors affecting home insurance in Hernando County, FL:

1. Home insurance rates by coverage levels 

2. Home insurance rates by deductibles

3. Home insurance rates by the age of the home

4. Home insurance rates by the safety features

Homeowners insurance in Hernando County, FL - Rates by coverage level

No one wants to face an unexpected disaster. But when it's unavoidable, you can rely on the homeowner's insurance in Hernando County, FL, for financial backup. Getting the right insurance cover can give you peace of mind. Therefore, the homeowner needs to choose suitable coverage. The higher the level of coverage, the higher the protection of the house covered by the insurance provider in Hernando County, FL. For example, homeowners opting for $300K coverage pay $3797 on home insurance in Hernando County, FL. Refer to the chart below to know the cost of home insurance in Hernando County, FL, based on the coverage level.

Average_Cost_of_Homeowners_Insurance_in_Hernando_County_FL

Homeowners insurance in Hernando County, FL - Rates by deductibles

Your deductible represents the amount you have to pay in the event of a loss. For example, if you file a claim for $2,000 worth of damage, but have a $1,000 deductible on your policy, then you'll get reimbursed for the remaining $1,000. If your home suffers a total loss – say, due to a fire – your home insurance company will reimburse you up to the amount listed on your policy (minus any deductibles).

Residents in Hernando County, FL, who opted for a deductible of $1000 pay $1011 towards their home insurance in Hernando County, FL. Homeowners who opted for a deductible of 500 pay $1118 towards their home insurance in Hernando County, FL.

Average_Cost_of_Homeowners_Insurance_in_Hernando_County_FL

Homeowners insurance in Hernando County, FL - Rates by the age of the home

The age of the house tells a lot about its condition. As time goes on, your home may become frail and dilapidated. In Hernando County, FL, the home insurance rates on older houses are higher because they're more likely to be exposed to damages and regular repairs. For example, houses that are 40 old pay a premium of $1161 in Hernando County, FL, whereas newly built homes pay $860 on homeowners insurance in Hernando County, FL.

Homeowners insurance in Hernando County, FL - Rates by the safety features

Home security systems, smoke detectors, fire alarms, deadbolts on the doors, protective window film, and gated communities all fall into the category of safety features that can help you qualify for a discount on home insurance in Hernando County, FL. For example, homes equipped with sprinkler systems and smoke detectors pay $1064 and $1018, respectively, on homeowners insurance in Hernando County, FL.

Top Home Insurance Companies in Hernando 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%
GEICO A++ 3.3%
Liberty Mutual A 3.2%

Top Nationwide Home Insurance Agents in Hernando County, FL

Homeowners Insurance Agents Agent Address Contact Details
Stephen J Sarago 12950 Race Track Rd Ste 115
33626
Jack Hutchison Insurance Agency Inc 2488 CURLEW RD
33761
727-781-5533
William L Reames Jr 1395 S Lotus Dr Ste A
34698
Brad Barnett Insurance Agency Inc 4032 Deltona Blvd
34606-2214
352-683-6500
Parker & Davis Ins Agency 3130 CITRUS TOWER BLVD STE B
34711
(352) 394-1290
Lemieux Insurance & Financial Services Llc 326 W BEARSS AVE STE B
33613
813-960-0800
Gail C Settle 6 Carl Ct
34465
(352) 746-5580
Kelly Ins Services Llc 1212 CLEVELAND ST
33755
727-446-9116
Mutter Insurance Agency Inc 503 W MLK BLVD
33563
(813) 752-4155
Lemieux Insurance & Financial Services Llc 15350 N FLORIDA AVE
33613
813-960-5293

Top State Farm Home Insurance Agents in Hernando County, FL

Homeowners Insurance Agents Agent Address Contact Details
Navreet Kang 1317 CITIZENS BLVD
www.navreetkang.com 34748
352-787-3441
Mr.B Diaz 500 N WEST SHORE BLVD STE 750
33609
(813) 839-7300
Mike Gogin 2215 Cluster Oak Dr Ste 1
www.gogininsurance.com 34711
(352) 243-9000
Frank Coyle 38511 5th Ave
www.frankcoyle.net 33542
(813) 782-5502
Randy Wagner 2831 S E 17Th St
34471
Mike Grata 117 North Seminole Ave
www.mikegrata.com 34450
(352) 637-5191
Eileen Reigert 8543 Gunn Hwy
www.eileenreigert.com 33556
(813) 886-5113
Bob Wells 1121 S Florida Ave
www.rtwells.com 33803-1307
863-683-5553
Suzanne Gorgas 1845 Collier Pkwy
www.sullivanagent.com 33549
Jay Epstein 5833 Argerian Dr Ste 102
33545
(813) 815-5205

Top Allstate Home Insurance Agents in Hernando County, FL

Homeowners Insurance Agents Agent Address Contact Details
Tracie Huseby 2240 Belleair Rd #200 Clearwater
33764
Virginia Harrison 415 W Robertson St
33511
Enloe Insurance Agency Llc 1212 NE 36th Ave
34470
(352) 236-2126
Westland Insurance Services 2587 Bentley Dr
34684
Brady Krebs 12008 E Mlk Blvd
33584-4917
813-653-1560
Terrence Williams 4132 Lamson Ave Spring\u00a0Hill
34608
Siren Dba Fishbowl 505 Jackson St Ste 300
33602
Brian Ralph 8585 SW Highway 200 Unit 6
34481-9643
352-854-1600
Lloyd E. Nichols 950 W Main St
34450
(352) 726-1691
Bateman Agency 1306 S Pine Ave
34471-6542
352-732-0101

Top GEICO Home Insurance Agents in Hernando County, FL

Homeowners Insurance Agents Agent Address Contact Details
Kelly Garrison 2401 W BAY DR STE 603
33770
727-586-1601
Email:kgarrison@geico.com
Vincent Harris 451 Central Park Dr
33771

Email:viharris@geico.com

Top Liberty Mutual Home Insurance Agents in Hernando County, FL

Homeowners Insurance Agents Agent Address Contact Details
Lauren Johnston Lutcf 1115 US HWY 98 SOUTH
33801
863-686-2113
Jocelyn Russell 3411 W MAIN ST STE 5
34748
352-787-7548
Chase Giossi 5051 Memorial Hwy
33634-7355
813-243-1300
Andy Hart 3650 Erindale Dr
33596-6311
813-662-5813
Lauren Hering 1145 BARTOW RD
33801
863-687-9188
Stacy C Kusma 3848 Flatiron Loop #102
33544
Timothy Martin 1070 Kapp Dr
33765
Chuck Petretti 3224 W Kennedy Blvd
33609-3007
813-879-7808
Andrew Gaudio 3227 SE Maricamp Rd Ste 102
34471-0832
352-694-9100
Sherri Warcholic 18401 Floralton Dr
34610

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

AllstateGEICONationwide
Median Home Value ($) 128,540108,540108,540
Construction year 201120112004
Home Coverage ($) $200000-$250000$200000-$250000$125000-$150000
Total Premium ($) $3892$5062$3258

Hernando County, FL Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Nationwide upto 11%
Allstate upto 17%
GEICO upto 22%
Liberty Mutual upto 19%