How much is homeowners insurance in Havana, Florida?

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Our data shows that the average cost of homeowners insurance in Havana is $3,376 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1,000 deductible). It’s $872 more than the national average of $2,504 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Havana depend on several factors, including:

The size of your home
The age of your home
The amount of coverage you need
Where you live
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers. This will enable you to find the coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Havana, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Havana.

Key Takeaways

The average cost of homeowners insurance in Havana is $3,376 per year.
Travelers is the cheapest homeowners insurance company in Havana with an average annual premium of $1,139 .
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $935 more a year for home insurance.

How much is homeowners insurance in Havana per month?

How much you pay for a homeowners insurance policy depends on the value of your home, your location, and the coverage options you select.

Homeowners in Havana pay an average of $281 per month. It’s $100 less than the state average of $381 and $72 more than the national average for home insurance across the nation.

How much is homeowners insurance for a $200,000 house in Havana?

The average cost of homeowners insurance in Havana, FL is $2,441 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The cost of your home insurance each year depends on several factors – including the risk of natural disasters in your area. If your city is prone to events like hurricanes, wildfires, or floods, you’ll likely pay more for coverage.

Some places are more prone to natural disasters, like floods, hurricanes, or tornadoes. That makes rebuilding after a major event more expensive, which is why home insurance tends to cost more in those areas. And keep in mind, your standard policy probably doesn’t cover flood or hurricane damage. If you live in a high-risk zone, it’s definitely worth looking into separate flood insurance for extra protection.

How much is homeowners insurance for a $300,000 house in Havana?

Havana residents pay an average of $3,376 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. To increase your dwelling coverage from $200,000 to $300,000, you’ll pay an additional $935 per year.

The smartest approach is to carry enough insurance to cover the full cost of rebuilding your home.

How much is homeowners insurance in Havana by company?

Among the carriers we analyzed, Travelers is the most affordable homeowners insurance company in Havana. Its average annual rate for homeowners in Havana is $1,139 , while Security First Insurance ranks second.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Havana and compiled a list of the most affordable home insurance companies.

Below are details of Havana home insurance companies and their average annual premiums.

Home insurance company	Annual rate
Travelers	$1,139
Security First Insurance	$1,400
Amer Integrity Ins Co of FL	$2,421
HCI Group Inc	$2,454
Universal Insurance Holding	$2,502
Heritage Insurance Holdings	$2,614
State Farm	$2,975
Allstate	$3,441
Progressive	$4,441
Nationwide	$5,767
FedNat Holding	$6,089
Citizens Property Insurance	$7,435

Combining your home insurance with other policies, like auto insurance, can result in significant savings. Insurers often provide discounts to policyholders who bundle their policies, helping you reduce premiums. Bundling lowers your premiums and simplifies managing your insurance with one company.

Natural disasters in Florida that can impact your home insurance

Living in Florida comes with the possibility of natural disasters that can cause serious damage to your home and belongings. From costly repairs to large insurance claims, the financial impact can be significant. That’s why it’s important to know which types of disasters are most common in your area before selecting a home insurance policy.

Understanding your local risks allows you to customize your coverage – whether that means adjusting your policy limits, choosing a higher deductible, or adding protection for hazards like floods or earthquakes. Planning ahead helps ensure you’re fully covered when it matters most.

Florida is commonly affected by Hurricane and Lightning.

How home insurance protects you against natural disasters

Home insurance protects your property and belongings from the financial impact of natural disasters. Home insurance can help pay for structural damage repairs, replace lost or damaged items, and provide funds for temporary housing if you can’t live in your home. This coverage provides financial relief, making it easier for homeowners to recover quickly from the effects of natural disasters.

While standard policies generally cover damage from windstorms, hail and lightning, additional coverage is required for disasters like floods, earthquakes and wildfires.

These types of damage are usually not covered by homeowners insurance, so homeowners need to buy separate flood or earthquake insurance to ensure complete protection.

TIP

While homeowners insurance typically protects against common hazards, some natural disasters – like floods and earthquakes – require separate policies. Don’t assume you’re fully covered. Check your policy details and consider endorsements or supplemental coverage if you live in a high-risk area.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Havana for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.