Daytona Beach, FL Home Insurance Quotes!

It's not uncommon for Daytona Beach homeowners to desire a fast "get it done" approach when it comes to shopping for a basic Florida homeowners insurance policy. We realize time is always an important factor, sometimes as much as cost. If you are shopping today for an affordable home insurance coverage for your home in Daytona Beach, FL, then you have arrived at the right place, at the right time. An FL home insurance policy is designed to protect you from a major financial set back. When talking about a homeowners insurance policy, financial risk or loss can occur if your home was ever damaged by a fire, lightning, hurricane, theft or falling objects like a tree. So as you can see a standard homeowners insurance policy is not complicated, but sometimes comparing multiple coverage options and rates at the same time can be. Here at GetHomeInsuranceQuotes.com, we provide a quick way for you to compare the most affordable Daytona Beach home insurance quotes by using our online quoting system. You can easily start this process by entering your zip code at the top of the page.

Compare Multiple Daytona Beach Home Insurance Quotes

Here is how the process works in three easy steps:

Enter your zip code to start the online Florida home insurance quoting application. If this is a new home purchase in Daytona Beach, FL, please make sure you include the correct zip code and street address for the home you would like to receive comparative rates for.
The online quoting application is designed to limit your time completing a long form, just to review rates. This is why we have scaled down our information request so that we can process only the required home details in order to process multiple quotes faster. We will need important property information like the square footage of your home and what year your home was built.
Finally, you can sit back and relax. Just click "Get Home Insurance Quotes" and we will shop up to 12 home insurance carriers that are all very competitive in the city of Daytona Beach. We will also assign one Florida home insurance professional to help answer any questions you may have. Our quoting process is secure and hassle free. We look forward to helping you compare the most affordable Daytona Beach, FL rates.

Understanding more about your Daytona Beach homeowners insurance is a huge advantage to getting the right coverage. It's not always about the cheapest price, sometimes paying a little more for better coverage with a brand name like Nationwide, Travelers or Liberty Mutual can help you gain the coverage you need when you depend on your home insurance company the most. Our Florida agents are easily accessible by phone or online. You can start by entering your zip code for the home you would like to insure in Daytona Beach, FL and let us generate the multiple quotes for you for free or call us at 1-888-685-4704. We will work with you to provide the best coverage and cost savings option. Start your Daytona Beach home insurance quote today!

Daytona Beach, FL Demographics & Home Value Data

The housing data listed below is for the Daytona Beach, FL (VOLUSIA County) location.

Daytona Beach Total Population: 61,005
# of Residents Living With Single Family Homes: 101,297
Average Real Estate Price of a Home Per Zip Code in Daytona Beach: $166,300

Average Daytona Beach, FL Home Insurance Rates

Homeowners living nearby or within the city of Daytona Beach are paying around $2,165 per year on average. We have helped customers save more by shopping the best rates and coverages, smaller size homes in terms of square footage are seeing rates as low as $1,393 per year in Daytona Beach. Higher-end homes that cost more to rebuild or replace include more coverage in the policy and premiums are around $1,943. On average, homeowners in Daytona Beach pay around $1,643 per year or $137 per month for great quality coverage and price you can afford to protect the home you love. These average home insurance rates reflect the cost of a basic single family home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage.

To receive free home insurance quotes, please start the quoting process online by simply enter your zip code or give us a call now at 1-888-685-4704.

Compare Homeowners Insurance Rates in Daytona Beach, FL!

Get up to 12 competitive Daytona Beach, FL homeowners insurance 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 Daytona Beach, 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 Daytona Beach

Are you looking for homeowners insurance in a city near Daytona Beach? 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 Daytona Beach, FL

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

32114, 32117, 32118, 32119, 32124,

Daytona Beach, FL Home Insurance Average Premiums

Local Daytona Beach, FL home insurance quotes comparison

$1393 /yr.

Shows Daytona Beach's lowest average rates with discounts applied.

For the city of Daytona Beach, 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)	$1393 /yr.
Average Coverage:	$1643 /yr.
2600 sq. ft. or higher (all discounts applied)	$1943 /yr.

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

• The average homeowners insurance premium paid annually for a home in Daytona Beach is around $1643 per year.

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

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

Daytona Beach, FL Coastal Wind, Hail & Flood Information

Daytona Beach 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.

Flood Zone Notice: The beautiful coastal city of Daytona Beach is know for it's beautiful beaches and waterways. Because Volusia County (FIPS: 12127) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Daytona Beach, FL.

Coastal Daytona Beach, 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

Daytona Beach, FL - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$266,704	$224,788
February	$265,259	$230,941
March	$263,841	$238,248
April	$262,921	$245,244

Homeowners insurance will help cover the cost to repair or replace your Daytona Beach 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 Daytona Beach
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.

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

Saving Money Tips on Daytona Beach Home Insurance

A great way to save money on Daytona Beach 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 Daytona Beach 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
22 ft.	This is the average home elevation in Daytona Beach, 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 Daytona Beach, 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.

Elevation

Details

Homeowners Tips

22 ft.

This is the average home elevation in Daytona Beach, 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 Daytona Beach, 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 Daytona Beach, 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 Volusia County.

Florida Homeowners Insurance News & Information

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 […]
Florida Lawmakers May Allow Takeout Offers to Citizens’ Policyholders Posted on Wednesday 13th March, 2024
Lawmakers in Florida are moving closer to allowing specific insurer types to make offers to policyholders currently with Citizen’s Property to insure their vacation or second home. SB 1716 this week cleared the Senate’s Fiscal Policy Committee for the takeout offers after the Senate’s Banking and Insurance Committee approved the measure earlier this month. This […]
Florida has 7 New Home Insurance Companies Entering the Market Posted on Friday 1st March, 2024
Recently, Florida has seen seven new insurance companies enter the market for homeowners coverage. Currently, the average premium for homeowners coverage is $6,000 a year in the Sunshine state compared to a nationwide average of just $1,700 a year, according to the Insurance Information Institute. The Insurance Information Institute is hopeful that the new insurance […]

Daytona Beach, FL Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Daytona Beach 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 Daytona Beach, FL?

- The average square footage in Daytona Beach is around 996 Sq. Ft. which would cost you around $166,300 to replace the home if you base the home on the price to build per square foot of $167.

Minimum Replacement Cost Total: $166,300

Location: Daytona Beach, Florida (Volusia County)

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

Average Square Footage in Daytona Beach: 996 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$167	$166,300
Some Additional Upgrades	$209	$207,875
Major Home Updates or Advancements	$251	$249,450

Calculate Your Daytona Beach, FL Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($167) in Daytona Beach, 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.

Home Insurance Reviews in Daytona Beach, FL

Jacob - L. (5 Rating: )
"So Fast! Thanks for the quick response and fast service! Felt great to get this done and off my list. "
Barbara - P. (5 Rating: )
"My husband and I were very pleased. Thank you for helping us!"
Ellenor - W. (5 Rating: )
"It was great to work with this company. I found the process to be very helpful to see all the different prices for my house at once. I would recommend this to my daughter and friends. "
Mark - M. (5 Rating: )
"Outstanding service, great options, you made it easy on me. Thanks!!!"
Eric - C. (5 Rating: )
"Every time I had a question you were there to help me. Getting insurance in Florida is not easy, but you guys made it seem so simple. We value your business and will refer you to our friends. "