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Average Cost of Homeowners Insurance in Sarasota, FL

The average cost of homeowners insurance in Sarasota, Florida, is $1300.725. Home insurance can help you pay for repairs or rebuilding the entire structure if something unfortunate happens. A good homeowners insurance policy can help you ease the financial burden if any unfortunate event occurs.

Let's find out themost affordable and cheapest homeowners insurance in Sarasota, Florida, offered by insurance providers for your home.

Average_Cost_of_Homeowners_Insurance_in_Sarasota_FL

Factors influencing home insurance in Sarasota, FL:

1. Home insurance rates by coverage levels 

2. Home insurance rates by deductibles

3. Home insurance rates by number of claims

4. Home insurance rates by safety features

Florida is known for its unpredictable weather conditions. Storms and tornadoes are inevitable in Sarasota, with a humid subtropical climate. Therefore, homeowners in Sarasota look for alternatives to lower their home insurance in Sarasota, Florida. Consider the below factors to reduce your Sarasota home insurance premium further.

Homeowners insurance in Sarasota - Rates by Coverage Levels

Sarasota, Florida residents, continue to be at risk of natural disasters, including catastrophic hurricanes and tornadoes. When these disasters strike, insurance coverages can provide needed protection against structural damage. Some coverages can also reimburse policyholders for emergency repair work if an emergency fund does not cover a loss.

The prices mentioned below illustrate the cost of home insurance in Sarasota, Florida, based on the type of coverage opted by the homeowner. For instance, if the homeowner has opted for coverage of $200K, then they pay $1082 on homeowners insurance in Sarasota, FL. Refer to the chart below to know.

Average_Cost_of_Homeowners_Insurance_in_Sarasota_FL

Homeowners insurance in Sarasota - Rates by deductibles

Deductibles are the amount you must pay out-of-pocket for a claim before your insurer starts to cover the costs. The higher your deductible, the lower your monthly or yearly premium.

Check out the chart below to see how much you can save on Sarasota homeowners insurance by using different deductibles.

Average_Cost_of_Homeowners_Insurance_in_Sarasota_FL

Homeowners insurance in Sarasota - Rates by home's age

Homes age over time, and eventually, they may become weak and dilapidated. Aging homes may experience plumbing breakdowns, fire damages, electrical problems, structural flaws, and more. The age of the house conveys a lot about its shape and influences the Sarasota home insurance rates.

Homes built 30 and 40 years ago in Sarasota, Florida, pay $1321 and $1335, respectively, on home insurance in Sarasota, Florida. In contrast, newly built homes are offered a discount on homeowners insurance in Sarasota, FL. Newly built homes pay $950 on house insurance in Sarasota, Florida.

Homeowners insurance in Sarasota - Rates by materials used

A house is more than a shelter. It is an investment. So while building your dream home, you need to follow some guidelines so that your house may be insured at affordable rates and continue serving its purpose for years to come. Choose long-lasting and sturdy materials to obtain discounts on home insurance in Sarasota, FL.

Homeowners who use Masonry and Superior brick materials to construct their home pay $1235.68875 and $1170.6525, respectively, on homeowners insurance in Sarasota, FL.

Top Home Insurance Companies in Sarasota, FL

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
Nationwide A+ 8.2%
Erie A+ 7.02%
State Farm A 6.9%
Allstate A+ 4.9%
Liberty Mutual A 3.2%

Top Erie Home Insurance Agents in Sarasota, FL

Homeowners Insurance Agents Agent Address Contact Details
Wagner Insurance Group Llc 7250 Ulmerton Rd., Ste. G
33771
West Virginia Insurance Agency 5104 N Lockwood Ridge Rd #104
34243
Kelly Insurance Agency Inc 1000 S BELCHER RD SUITE 3
www.kellyins.com 33771
727-507-7525
Email:info@kellyins.com
Simpkins Foley Insurance Associates 8870 N Himes Ave 8870 N Himes Ave Tampa
www.simpkinsinsuranceagency.com 33614
Strachan Insurance Agency Inc. 421 A Commercial Court
34292
Fabey Insurance Agency 5783 Beneva Rd
34233
(941) 923-7515
Hinkle Insurance Agency Inc. 83 PARK PL BLVD STE 101
33759
727-461-6044
Short Pump Insurance Llc 230 Tamiami Trl S Ste 31
34285
Cta Insurance Agency Inc. 3704 Swann Avenue
33609-4522
813-289-7888
Linwood Forest Insurance Group Llc 4404 N TAMIAMI TRAIL
www.linwoodforest.com 34234
941-360-6777

Top Allstate Home Insurance Agents in Sarasota, FL

Homeowners Insurance Agents Agent Address Contact Details
William Edwards 4130 Woodmere Park Blvd. Suite 9
34293
(941) 882-5765
Brady Krebs 12008 E Mlk Blvd
33584-4917
813-653-1560
Charles Fritz 8120 4th St N Frnt
33702-3629
727-576-8200
Tommy Sugg 3815 Us Hwy 301 N
34222
Sims-Thaxton 11401 Seminole Blvd
33778
Horton & Assoc Llc 1315 PROVIDENCE RD
33511
813-681-9884
Bayou Insurance Services Of Louisiana 4342 Duhme Rd
33708-2809
727-391-3422
Michael J Mcdyer 2703 West Kennedy Boulevard
33609
(813) 259-1142
Ekalaka Ins Agy 5700 4th St N
33703
(727) 526-9041
Finn & Stone 8243 US Highway 301 N
34219
(941) 722-6678

Top state farm Home Insurance Agents in Sarasota, FL

Homeowners Insurance Agents Agent Address Contact Details
John Hilleyer 8209 Natures Way Unit 203C Lakewood\u00a0Ranch
34202

Top Liberty Mutual Home Insurance Agents in Sarasota, FL

Homeowners Insurance Agents Agent Address Contact Details
Kelly Garland 100 NORTH INDIAN ROCKS RD
33770
800-891-4222
Chuck Petretti 3224 W Kennedy Blvd
33609-3007
813-879-7808
Timothy Martin 1070 Kapp Dr
33765
Jason Sardi 992 TAMIAMI TRAIL UNIT E2
33953
941-889-7836
Jason Tateishi 100 VENICE AVE W SUITE K
34285
941-483-3999
Jason Tansey 270 S TAMIAMI TRAIL
34285
941-493-1583
Don Dvorak 11009 Gatewood Dr Ste 104
34211
(941) 927-8311
Crystal Rios 2269 Tamiami Trail S
34293-5067
941-497-4422
Todd Reus Lutcf 3607 W Waters Ave
33614
Chase Giossi 5051 Memorial Hwy
33634-7355
813-243-1300

Top Nationwide Home Insurance Agents in Sarasota, FL

Homeowners Insurance Agents Agent Address Contact Details
Doyle Miles & Sokol 13015 Tamiami Trl
34287
(941) 423-1686
Teddy J Byrd Agency 555 E Ave
34285
Dennis Charles Oneill 21554 Angela Ln
34293
(941) 493-5808
Ilma Inc. 505 WESTBROOK AVE
33511
813-685-8040
Lofton Wells Llc 5665 CENTRAL AVE
33710
727-344-5500
Mitchell Agency Inc The 1812 MANATEE AVE W
34205
941-748-1812
Chester T Zentz Iii 305 N 6th Ave
33873-2319
863-773-6100
Denise Sullivan Clement Agency 1807 Englewood Rd
34223
(941) 475-7778
Lohr Ins Services Inc 8831 49TH ST N STE 1
33782
727-327-1290
Kelly Ins Services Llc 1212 CLEVELAND ST
33755
727-446-9116

Homeowners Insurance Comparison for the Cheapest Premiums in Sarasota, FL

ErieLiberty MutualNationwide
Median Home Value ($) 245,290235,290205,290
Construction year 197219682008
Home Coverage ($) $350000-$400000$200000-$250000$200000-$250000
Total Premium ($) $5184$3229$3764

Sarasota, FL Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Erie upto 18%
Allstate upto 23%
Liberty Mutual upto 16%
Nationwide upto 11%