How much is homeowners insurance in Sydney, 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.

In Sydney, homeowners pay an average annual rate of $4,438 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $1,934 more than the national average of $2,504.

Homeowners insurance rates change from one home to another. The home insurance premium in Sydney depends on various factors, such as:

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

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

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

How much is homeowners insurance in Sydney per month

Sydney homeowners pay an average of $370 a month, based on our rate analysis. It’s $11 less than the state average of $381 and $161 more than the national average for home insurance across the United States. The price of your homeowners insurance policy in Sydney 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 Sydney

In Sydney, FL, homeowners pay an average of $3,323 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 Sydney

As per rate analysis by Insure.com, homeowners residing in Sydney typically pay an average of $4,438 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $1,115 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire 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 Sydney by company

Among the carriers analyzed, Travelers is the most affordable homeowners insurance company in Sydney, offering an average annual rate of $1,431, while Amer Integrity Ins Co of FL ranks second.

Researching a company thoroughly before selecting a homeowners insurance policy is essential. Insure.com has meticulously reviewed all insurance companies operating in Sydney and compiled a list of the most affordable options.

Below are the details of home insurance companies in Sydney and their average annual premiums.

Common natural disasters in Florida that may affect home insurance

Natural disasters are unpredictable events that can cause significant damage to homes and property. Understanding these risks is important to ensure that your home insurance policy provides adequate protection in the event of a disaster.

Hurricane and Lightning are some of the common natural disasters in Florida that may influence your home insurance rates.

How home insurance protects you against natural disasters

Home insurance helps protect your property and belongings from the financial impact of natural disasters. While standard policies generally cover damages 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.

Home insurance can help pay for structural damage repairs, replace lost or damaged items, and provide funds for temporary housing if your home becomes uninhabitable. This coverage provides financial relief, making it easier for homeowners to recover quickly from the effects of natural disasters.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Sydney 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.

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.

Related Articles

Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite

Cost of living calculator By Nupur Gambhir

Mobile home insurance cost and coverage in 2025 By Chris Kissell

Best renters insurance companies in 2025 By Shivani Gite

How to prevent tornado damage By Ashlee Tilford

Does homeowners insurance cover code upgrades? By Nupur Gambhir