Home Home insurance Average home insurance cost Florida Havana, FL How much is homeowners insurance in Havana, FL According to Insure.com's data study, home insurance in Havana costs an average of $3,376 annually for the dwelling coverage of $300,000 and liability protection of $100,000. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: March 24, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In Havana, homeowners pay an average annual rate of $3,376 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $872 more than the national average of $2,504.Homeowners insurance premiums can vary significantly from one property to another. In Havana, the cost of home insurance is influenced by several factors, including: Size of your home Age of your home Amount of coverage required Location Your credit score It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs. Read this guide to discover the monthly homeowners insurance cost in Havana, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Havana. Key Takeaways Homeowners insurance costs $3,376 per year in Havana.At $1,139 per year, Travelers offers the cheapest homeowners insurance in Havana.Your home insurance rates increase by $935 more annually if you increase your dwelling coverage from $200,000 to $300,000. How much is homeowners insurance in Havana per month Residents of Havana pay an average of $281 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $100 less than the state average of $381 and $72 more than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Havana may change based on location, property value, and selected coverage options. How much is homeowners insurance for a $200,000 house in Havana In Havana, FL, homeowners pay an average of $2,441 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area. Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance. How much is homeowners insurance for a $300,000 house in Havana Based on a rate analysis conducted by Insure.com, 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. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $935 per year for home insurance. Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area. How much is homeowners insurance in Havana by company Among the carriers analyzed, Travelers is the most affordable homeowners insurance company in Havana, offering an average annual rate of $1,139, while Security First Insurance ranks second. Researching a company thoroughly before selecting a homeowners insurance policy is essential. Insure.com has meticulously reviewed all insurance companies operating in Havana and compiled a list of the most affordable options. Below are the details of home insurance companies in Havana and their average annual premiums. Home insurance company Annual rate Travelers$1,139Security First Insurance$1,400Amer Integrity Ins Co of FL$2,421HCI Group Inc$2,454Universal Insurance Holding$2,502Heritage Insurance Holdings$2,614State Farm$2,975Allstate$3,441Progressive$4,441Nationwide$5,767FedNat Holding$6,089Citizens Property Insurance$7,435 TIPMany insurance companies offer discounts to customers who bundle their policies. By combining your home insurance policy with other policies, such as auto insurance, you can lower your premiums and simplify your insurance management with one provider. Common natural disasters in Florida that may affect home insuranceLiving in Florida comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in insurance claims. Understanding which natural disasters are most prevalent in your area is key to choosing the right home insurance policy.Hurricane and Lightning are some of the most common natural disasters in Florida that could impact your home insurance rates.How home insurance protects you against natural disastersHome insurance plays a crucial role in protecting your home and belongings in case of natural disasters. Events such as hurricanes, floods, earthquakes and wildfires can cause significant damage, and home insurance helps by covering the costs of repairs or replacement of your property. Depending on your policy, it may also provide coverage for temporary living expenses if your home becomes uninhabitable.In addition to physical damage, home insurance typically covers liability costs if someone is injured on your property. This added protection gives homeowners peace of mind, knowing they have financial support during difficult times.A standard home insurance policy may not cover all-natural disasters. Review your policy carefully to ensure you’re covered for the specific risks.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 $1000 deductible. The data presented are those with a good credit tier alignment. How much is home insurance in other citiesBoca RatonFort LauderdaleMelbourneMount DoraPensacolaSan AntonioSydneyTampaShivani GiteContributing 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. In case you missed it What is condo (HO-6) insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? 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By Nupur Gambhir Homeowners insurance rates by state in 2025 By Jake Safane On this page How much is homeowners insurance in Havana per month How much is homeowners insurance for a $200,000 house in Havana How much is homeowners insurance for a $300,000 house in Havana How much is homeowners insurance in Havana by companyCommon natural disasters in Florida that may affect home insuranceHow home insurance protects you against natural disastersMethodology ZIP Code Please enter valid ZIP See rates