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Home Insurance in Alachua County, FL: Companies & Premiums

Home Insurance in Alachua County, FL: Companies & Premiums

Home Insurance in Alachua County, FL: Companies & Premiums
Neighborhood in Gainesville, Fl, the county’s seat.

Situated right in the center of northern, peninsular Florida, Alachua County is a region made up of diverse cultures and communities with a population of 269,043 residents. Although many of Alachua County’s communities are rural, the county population is relatively high because of the presence of the University of Florida, which is located in the county seat of Gainesville, FL,

Living in Alachua

The median home value in Alachua County is $173,900 for owner-occupied homes, and the median household income is $49,078, which is 20 percent lower than the national median income. In comparison to the home values, the income levels in the county are relatively low, which indicates the area has a high cost-of-living.

A significant portion of Alachua County’s economy is centered around the University of Florida, and Gainesville’s close to 135,000 residents represent close to 50 percent of the residents in the county. The university alone has over 15,000 employees and over 50,000 on-campus students enrolled.

Also, the Gainesville Metropolitan Area stretches across both Alachua County and Gilchrist County and has a population that rivals that of Alachua County at over 277,000 residents. Other than Gainesville, the largest communities in Alachua County are Alachua, Newberry, and High Springs, which together represent over 20,000 residents.

Home Insurance Premiums in Alachua County

Despite the high cost of homes relative to the county’s income, the average premium for home insurance isn’t unreasonably high for the state of Florida and in comparison to similar, neighboring counties. This is likely contributed to by the county’s central location in the state, which protects it from damage due to tropical storms. Regardless, wind mitigation features still drive down the average cost to insure a home in the county.

Average Homeowners Premiums in Alachua County

Construction TypeHome ValueAverage Premium
Overall Average$1379.56
Pre-2001 (No Wind Mitigation)$150,000$1413.11
Pre-2001 (With Wind Mitigation)$150,000$1034.19
New Construction$300,000$1691.37

We calculated the overall homeowners insurance average in the county to be $1,379 based on the data provided by Florida’s Office of Insurance Regulation. Although Alachua County already has relatively low costing home insurance compared to other areas of Florida, that doesn’t mean you should do all you can to save on your policy. Comparison shopping between different insurance companies can yield you wildly different quotes.

As you can see in this list, the companies that have offered the lowest average policies in Alachua County in recent years could save you hundreds of dollars on your premium.

For $150,000 homes built before 2001 without wind mitigation, the average premium is $1,413.

To get even better rates, get quotes from these insurers:

  • First Protective – $948
  • Citizens – $970
  • Stillwater – $987
  • Tower Hill Prime – $992

List of Companies & Rates for Home Valued at $150,000, Pre-2001 Construction Without Wind Mitigation Rate in Alachua County

Company NameAnnual Premium
Average$1,413.11
First Protective$948
Citizens$970
Stillwater$987
Tower Hill Prime$992
Universal$1,000
Florida Peninsula$1,066
People's Trust$1,204
Southern Fidelity$1,208
Tower Hill Preferred$1,213
Florida Farm$1,235
ASI$1,309
American Integrity$1,319
First Community$1,350
St. Johns$1,368
Tower Hill Signature$1,383
American Traditions$1,386
Tower Hill Select$1,392
Florida Family$1,439
Universal$1,507
Family Security$1,533
Security First$1,569
Southern Oak$1,595
FedNat$1,631
Liberty Mutual$1,708
Castle Key$1,874
Auto Club Florida$2,116
State Farm Florida$2,852

For $150,000 homes built before 2001 with wind mitigation, the average premium is $1,034.

To get even better rates, get quotes from these insurers:

  • First Protective – $519
  • Universal – $583
  • Tower Hill Prime – $674
  • Stillwater – $685

List of Companies & Rates for Home Valued at $150,000, Pre-2001 Construction With Wind Mitigation Rate in Alachua County

Company NameAnnual Premium
Average$1,034.19
First Protective$519
Universal$583
Tower Hill Prime$674
Stillwater$685
Florida Farm$725
Citizens$760
St. Johns$817
Tower Hill Preferred$840
Florida Peninsula$854
People's Trust$881
Universal$884
Southern Fidelity$947
American Traditions$952
Tower Hill Select$954
ASI$1,005
Southern Oak$1,013
American Integrity$1,026
FedNat$1,044
Florida Family$1,067
First Community$1,074
Liberty Mutual$1,134
Tower Hill Signature$1,160
Family Security$1,275
Security First$1,394
Castle Key$1,598
Auto Club Florida$1,762
State Farm Florida$2,296

For $300,000 homes with new construction, the average premium is $1,691.

To get even better rates, get quotes from these insurers:

  • Stillwater – $909
  • First Protective – $964
  • Universal – $1,081
  • Florida Farm – $1,245

List of Companies & Rates for Home Valued at $300,000, New Construction in Alachua County

Company NameAnnual Premium
Average$1,691.37
Stillwater$909
First Protective$964
Universal$1,081
Florida Farm$1,245
Tower Hill Prime$1,285
People's Trust$1,312
St. Johns$1,315
Southern Oak$1,331
Florida Peninsula$1,377
American Traditions$1,380
Citizens$1,474
Tower Hill Preferred$1,487
Universal$1,501
Tower Hill Select$1,525
American Integrity$1,547
First Community$1,681
ASI$1,718
Southern Fidelity$1,842
Florida Family$1,878
Family Security$1,896
FedNat$1,920
Security First$1,983
Tower Hill Signature$2,079
Castle Key$2,305
Auto Club Florida$2,345
Liberty Mutual$2,390
State Farm Florida$3,897

Flood Insurance in Alachua

Companies like First Protective have had success with Alachua County residents for more than just its affordable home insurance policies. Additionally, local companies like First Protective underwrite flood insurance policies for the federal National Flood Insurance Program.

As many areas in the U.S., such as Florida, are vulnerable to flooding, the NFIP makes the necessary flood insurance coverage affordable for residents of high-risk regions, as identified by FEMA. Since damage from flooding is excluded from coverage on standard home insurance policies, it’s important that you purchase a flood insurance policy in addition to your home insurance coverage.

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