How Much is Homeowners Insurance in Havana, FL

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.

The average cost of homeowners insurance in Havana is $1,931 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $486 less than the national average of $2,417.

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Havana depend on a number of factors, including:

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

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Havana, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Havana.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Havana.

Key takeaways

The average cost of homeowners insurance in Havana is $1,931 per year.
Security First Insurance is the cheapest homeowners insurance company in Havana with an average annual premium of $1,027.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $550 more a year for home insurance.

How much is homeowners insurance in Havana per month

Havana homeowners pay an average of $161 a month, based on our rate analysis. It’s $27 less than the state average of $188 and $40 less than the national average for home insurance across the United States. The price of your homeowners insurance policy in Havana may vary depending on where you live, the value of your home, and the coverage you choose.

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

The average cost of homeowners insurance in Havana, FL is $1,381 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

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

According to a rate analysis by Insure.com, homeowners in Havana pay an average of $1,931 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $550 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Havana by Company

Among the carriers analyzed, Security First Insurance is the cheapest homeowners insurance company in Havana. Its average annual rate for Havana homeowners is $1,027. Travelers ranks second and Universal Insurance Holding makes it to the third spot with an average annual home insurance rate of $1,171.

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 top ten cheapest home insurance providers. You can find below the Havana home insurance companies and their average annual premium.

Home Insurance Company	Annual rate
Security First Insurance	$1,027
Travelers	$1,041
Universal Insurance Holding	$1,171
Heritage Insurance Holdings	$1,460
HCI Group Inc	$1,575
FedNat Holding	$1,828
Nationwide	$2,009
Allstate	$2,052
State Farm	$2,228
Progressive	$3,580
Citizens Property Insurance	$4,046

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.