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Home Insurance in Union County, FL: Companies & Premiums

Home Insurance in Union County, FL: Companies & Premiums

Home Insurance in Union County, FL: Companies & Premiums

With a population of 15,237 residents, Union County is on the low end of Florida’s county in terms of population density. Union County is located in North Central Florida, and it is also the smallest county in Florida in terms of landmass.

Living in Union

In Union County, the median home value for owner-occupied homes is $104,400, and the median household income of $41,770, which means the county has relatively low property values and cost-of-living compared to counties with similar income levels.

Union County’s major draw to residents and tourists are its natural attractions, which include Lakeside Park, found in the county’s largest city, Lake Butler, which has a population of about 1,800 residents. The Palatka-Lake Butler State Trail, which extends 47 miles across multiple Florida counties ends in this park.

Home Insurance Premiums in Union County

Considering how low the property values in Union County are, you might expect the home insurance premiums to be similarly affordable. However, with the county’s bodies of water, such as the New River, the Santa Fe River, and Worthing Springs, homes located in the associated floodplains are vulnerable to flooding, which can increase home insurance costs.

Additionally, homeowners whose properties were built without wind mitigation features are more likely to be quoted higher premiums, as you can see in the table below.

Average Homeowners Premiums in Union County

Construction TypeHome ValueAverage Premium
Overall Average$1,563.04
Pre-2001 (No Wind Mitigation)$150,000$1,577.48
Pre-2001 (With Wind Mitigation)$150,000$1,192.48
New Construction$300,000$1,919.15

Averaging out the numbers from Florida’s Office of Insurance Regulation above, we calculated the mean home insurance premium for the county to be $1,563. For each of the home values and construction types, you can still recoup hundreds of dollars in savings on your annual premium by shopping around for different quotes. Each insurance company factors in your property location, credit score, insurance history, and other data points according to its own formula. 

It’s never a good idea to get one quote and call it quits on your home insurance search. By shopping around, you might be able to find a company that will offer you premium at significantly lower rates than their competitors will. In Union County, that can mean finding a premium as much as $900 lower than the county average, as you can see from the companies with the lowest average premiums.

For $150,000 homes built before 2001 without wind mitigation, the average premium is $1,577.

Consider this list for cheaper-than-average quotes:

  • Citizens – $989
  • Universal – $1,032
  • Florida Peninsula – $1,041
  • Tower Hill Prime – $1,082

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

Company NameAnnual Premium
Average$1,577.48
Citizens$989
Universal$1,032
Florida Peninsula$1,041
Tower Hill Prime$1,082
Florida Farm$1,090
Stillwater$1,105
Southern Fidelity$1,241
People's Trust$1,301
First Protective$1,304
Security First$1,448
Florida Family$1,484
American Integrity$1,583
First Community$1,602
Tower Hill Preferred$1,611
Liberty Mutual$1,616
American Traditions$1,617
Southern Oak$1,625
ASI$1,637
Tower Hill Select$1,672
Tower Hill Signature$1,726
Family Security$1,874
Castle Key$1,949
State Farm Florida$2,144
FedNat$2,148
St. Johns$2,212
Auto Club Florida$2,228
Universal$2,231

For $150,000 homes built before 2001 with wind mitigation, the average premium is $1,192.

Consider this list for cheaper-than-average quotes:

  • Universal – $608
  • Florida Farm – $656
  • Citizens – $724
  • Tower Hill Prime – $746

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

Company NameAnnual Premium
Average$1,192.48
Universal$608
Florida Farm$656
Citizens$724
Tower Hill Prime$746
First Protective$782
Florida Peninsula$818
Stillwater$863
Southern Fidelity$979
People's Trust$1,010
Florida Family$1,082
Tower Hill Preferred$1,112
Southern Oak$1,163
Tower Hill Select$1,178
FedNat$1,190
American Traditions$1,250
First Community$1,293
Security First$1,301
American Integrity$1,318
Universal$1,359
ASI$1,382
Liberty Mutual$1,392
St. Johns$1,479
Tower Hill Signature$1,489
Family Security$1,591
Castle Key$1,723
State Farm Florida$1,758
Auto Club Florida$1,951

For $300,000 Homes with new construction, the average premium is $1,919.

Consider this list for cheaper-than-average quotes:

  • Stillwater – $1,098
  • Universal – $1,123
  • Florida Farm – $1,130
  • Florida Peninsula – $1,308

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

Company NameAnnual Premium
Average$1,919.15
Stillwater$1,098
Universal$1,123
Florida Farm$1,130
Florida Peninsula$1,308
First Protective$1,416
Tower Hill Prime$1,420
People's Trust$1,426
Citizens$1,437
Southern Oak$1,591
American Traditions$1,683
Security First$1,800
American Integrity$1,823
Tower Hill Select$1,876
Florida Family$1,894
Southern Fidelity$1,904
Tower Hill Preferred$1,978
First Community$1,991
Universal$2,203
St. Johns$2,304
FedNat$2,306
Family Security$2,330
ASI$2,372
Castle Key$2,481
Auto Club Florida$2,540
Tower Hill Signature$2,649
Liberty Mutual$2,758
State Farm Florida$2,976

Flood Insurance in Union

Another part of responsible homeownership in Florida is having adequate flooding coverage. Your home insurance policy in FL will cover windstorms but flooding, which is common during hurricane season in Florida, is an excluded peril across the home insurance industry, and don’t be convinced that because your home is nowhere near the beach that your property is safe.

The tropical storms and many flood plains from rivers that are so common in Florida mean that even landlocked counties like Union County are at risk. Make sure to look into how you can get an affordable plan through the federal National Flood Insurance Program, which offers policies through companies like First Protective and coverage of up to $250,000.

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