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If you are shopping for a new homeowners insurance policy in Umatilla, we are here to help. We can help you find the best policy at a great price and also do it quickly. We realize time is always an important factor when it comes to shopping for insurance which is why we have made the entire process quick and easy.

A homeowners insurance policy for your home in Umatilla can help protect you from a major financial hit if your home is damaged or destroyed by a covered peril. Homeowners insurance not only covers damage caused by fire, lightning, hurricane, wind, theft and falling objects (think trees), it also provides liability coverage in case someone is injured on your property.

Homeowners insurance also offers protection for your personal property. If your house burns to the ground, taking all of your personal property with it, the cost to replace everything you own can be financially devastating. In addition, homeowners insurance extends to all of the buildings on your property, any outbuildings, barns, sheds and even fences are fully protected by your homeowners insurance policy.

While understanding how important homeowners is to your financial well-being is simple, shopping for coverage and comparing multiple policy options and rates at the same time can be difficult.

GetHomeInsuranceQuotes.com of Florida is here to help. Our site can help you quickly find and compare the most affordable Umatilla home insurance quotes. Our online quoting system is simple to use, get started now by entering your zip code at the top of the page.

Quickly Compare Multiple Umatilla Home Insurance Rate Quotes

You are three easy steps away from multiple homeowner insurance quotes:

  1. Enter your zip code: Simply enter your zip code to get started on your Umatilla, Florida home insurance quote. Always make sure you include the correct zip code and street address for the home.
  2. Fill in our form: We have made the quoting process quick and simple. There is no need to waste precious time filling out a long form just to get a homeowners insurance quote. We have scaled down the required information to just a few questions. The only information you will need to provide is a bit of contact info as well as the address of your property, construction type, the year the home was built and the square footage of the home. It’s that simple.
  3. Click "Get Home Insurance Quotes": Your job is done, we will take it from here. We will shop your rates with up to 12 home insurance carriers in Umatilla. Our quoting process is secure and hassle free.

In addition to multiple quotes, we will assign a Florida home insurance professional to your quote to help answer any questions you may have about policy details as well as pricing. Having an agent to turn to with questions can be a huge advantage and will ensure that have a complete understanding of your quote.

Start a quote online today or call us at 1-888-685-4704, we will work with you to find the best policy for your needs.

A Few Facts about Umatilla, Florida Home Insurance Rates

While Umatilla, FL may not be considered the most expensive area in the state for insurance premiums, Florida does rank #1 in the country for homeowners insurance rates.

Homeowners in Umatilla, Florida are paying an "average" of $2,165 for a standard home insurance policy. This is a whopping 61.1 percent higher than the national average premium across the United States which is $1,311.

We can help lower your Florida homeowners insurance costs by shopping your coverage with a variety of national insurance companies that are very competitive in the Umatilla city area. It’s quick and easy. Get multiple home insurance quotes now in your local area.

Compare Homeowners Insurance Rates in Umatilla, FL!

Enter your Zip Code:    

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

Enter your Zip Code:    
Easily compare up to 12 competitive Umatilla, 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 Umatilla, 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 Umatilla

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

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

32784,     

Umatilla, FL Home Insurance Average Premiums

Local Umatilla, FL home insurance quotes comparison

$1361 /yr.

Shows Umatilla's lowest average rates with discounts applied.

For the city of Umatilla, 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)		$1361 /yr.
Average Coverage:$1611 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1911 /yr.

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

  • • The average homeowners insurance premium paid annually for a home in Umatilla is around $1611 per year.

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

  • • Homeowners in Umatilla pay an average cost per month around $134.00 for insurance coverage.

Umatilla, FL Coastal Wind, Hail & Flood Information

Umatilla 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 Umatilla, 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

Umatilla, FL - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $270,475 $233,833
February $269,472 $241,066
March $269,108 $248,770
April $269,306 $255,505

Homeowners insurance will help cover the cost to repair or replace your Umatilla 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 Umatilla
  • 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 Umatilla, FL homeowners insurance rates all in one place!

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

Saving Money Tips on Umatilla Home Insurance

A great way to save money on Umatilla 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 Umatilla 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
123 ft. This is the average home elevation in Umatilla, 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 Umatilla, 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 Umatilla, 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

  • 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 […]

Umatilla, FL Dwelling Coverage Estimate

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

- The average square footage in Umatilla is around 859 Sq. Ft. which would cost you around $143,500 to replace the home if you base the home on the price to build per square foot of $167.

Minimum Replacement Cost Total: $143,500

Location: Umatilla, Florida (Lake County)

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

Average Square Footage in Umatilla: 859 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$167$143,500
Some Additional Upgrades$209$179,375
Major Home Updates or Advancements$251$215,250

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