Astor, FL Home Insurance Quotes!

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Did you know finding affordable homeowners insurance rates in Astor, FL just got easier? At GetHomeInsuranceQuotes.com, we provide superior service when it comes to finding cheaper rates with better coverage options and lower priced insurance packages. Our carriers are rated "A+" by A.M. Best and most of all they are brand names you can trust like Travelers, Safeco, Nationwide, Liberty Mutual, Progressive, and so many more.

It's time to start saving time and money by shopping your home and auto insurance policy with us. Lower rates are available for homeowners living in Florida so it's important to work with a Astor insurance agent that knows the best carrier that's right for you and your family. Remember, discounts are available for Astor homeowners that want to bundle their home and car insurance together to get a 22.5% discounts on average to help save you even more.

Average Homeowners Insurance Rates in Astor

When reviewing your home insurance policy, Astor homeowners are finding ways to save up to 40% or more when they shop and compare rates online. A common question that we get from homeowners based out of Astor, usually have to do with a comparison request of what they are currently paying per year for homeowners insurance compared to other residents living in LAKE County. For starters, average rates in Astor is around $1,644 per year for a $275,000 value home with a heated square footage around 1,375 square feet for replacement cost coverage. All discounts applied, smaller homes see rates as low as $1,394 per year. Larger homes in your area in the 2,000 square foot range that may cost around $400,000 may pay higher premiums in the range of $1,944 per year due to more dwelling coverage required simply because the home is bigger so it cost more to replace in value. Other discounts apply to help make rates cheaper, if you want to shop your home first and then let us shop your auto insurance, this will help decrease you premium because we offer a home and auto discount. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage. Does not include specific coverages like flood, earthquate, wind and hail.

If you are looking for the cheapest home insurance rate possible, then it may help to also review your current coverage options compared to the ones we can provide to you. Our Astor, FL licensed agent will help you review the best in price and coverage. Perhaps your current policy is not covering all of your needs. It's important to find a home insurance company that can provide competitive rates with outstanding coverages. Meaning, a policy you can easily afford and depend on when something may go wrong. Our online quoting process helps you find the best of both worlds, and for free you can easily enjoy the benefits of our online home insurance shopping process. Start your Astor, FL home insurance quotes request today!

Compare Homeowners Insurance Rates in Astor, FL!

Enter your Zip Code:    

Get up to 12 competitive Astor, FL homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Astor, FL rates all in one place!

Our Service in Florida

You can feel confident that our experience, integrity and service will help you find the best insurance policy at a price you can afford. We work with a wide variety of insurers in Astor, Florida and all of them are top rated "A+" by A.M. Best Rating and have been in business for several decades.

Just a few of the insurers we work include American Integrity Insurance Group, Anchor Insurance, ASI, Bankers Insurance Group, Centauri Insurance, Chubb, Edison Insurance Company, Florida Peninsula Insurance Company, Heritage Insurance, Lexington Insurance, Olympus Insurance, People's Trust Insurance Company, St. Johns Insurance Company and many more.

Average Rates Nearby Astor

Are you looking for homeowners insurance in a city near Astor? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Astor, FL

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Astor.

32102,     

Astor, FL Home Insurance Average Premiums

Local Astor, FL home insurance quotes comparison

$1394 /yr.

Shows Astor's lowest average rates with discounts applied.

For the city of Astor, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$1394 /yr.
Average Coverage:$1644 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1944 /yr.

What is the average home insurance cost for a home in Astor, FL?

  • • The average homeowners insurance premium paid annually for a home in Astor is around $1644 per year.

What does it cost on average per month for home insurance in Astor, FL?

  • • Homeowners in Astor pay an average cost per month around $137.00 for insurance coverage.

Astor, FL Coastal Wind, Hail & Flood Information

Astor is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Coastal Astor, Florida Information: To obtain flood insurance coverage, the process usually takes more than 30 days to finalize, if you need flood insurance coverage now, please call us at 888-620-1954.
For more information about your area, please click Coastal Homeowners Insurance in Florida

Astor, FL - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $283,822 $237,055
February $283,281 $244,708
March $283,565 $253,467
April $284,524 $261,928

Homeowners insurance will help cover the cost to repair or replace your Astor home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Astor
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive Astor, FL homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Astor, FL rates all in one place!

Saving Money Tips on Astor Home Insurance

A great way to save money on Astor homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Astor area? Check out what homeowners are paying on average for Florida homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
0 ft. This is the average home elevation in Astor, FL

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Astor, Florida.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Astor, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Lake County.

Florida Homeowners Insurance News & Information

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

Astor, FL Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Astor so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Astor, FL?

- The average square footage in Astor is around 812 Sq. Ft. which would cost you around $135,600 to replace the home if you base the home on the price to build per square foot of $167.

Minimum Replacement Cost Total: $135,600

Location: Astor, Florida (Lake County)

Average Building Cost Per Square Foot in Astor: $167 (low end)

Average Square Footage in Astor: 812 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$167$135,600
Some Additional Upgrades$209$169,500
Major Home Updates or Advancements$251$203,400

The dwelling coverage is calculated by the average cost per square foot ($167) in Astor, Florida times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $521,875 (Media price to build of $209 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.