How much is homeowners insurance in Havana,FL

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As per Insure.com’s rate data analysis, 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 $1000 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:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

Travelers is the cheapest homeowners insurance company in Havana with an average annual premium of $3,376 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Havana. Keep reading to learn about the monthly cost of homeowners insurance in Havana, the cost for different dwelling coverage levels, and discover which companies provide the most 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

According to our rate analysis, 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 United States.

In Havana, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

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

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $2,441 per year in Havana, FL. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurance coverage.

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 cheapest homeowners insurance company in Havana. It’s average annual rate for Havana homeowners is $1,139. Security First Insurance ranks second and Amer Integrity Ins Co of FL makes it to the third spot with an average annual home insurance rate of $2,421.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Havana and prepared a list of the cheapest home insurance providers. You can find below the Havana home insurance companies and their average annual premium.

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

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.