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Home Insurance in Volusia County, FL: Companies & Premiums

Home Insurance in Volusia County, FL: Companies & Premiums

Home Insurance in Volusia County, FL: Companies & Premiums
Homes in Ormond Beach, FL located in Volusia County 📸 via Realtor.com

Volusia County is located centrally along the Atlantic coastline of Florida. The US Census Bureau estimated Volusia County’s 2019 population at 553,284 people, which makes it one of the most populated municipalities in Florida.

Living in Volusia

Volusia County has an income level that’s below that of the overall country, with a median household income of $46,760, over 25 percent below the national median. The property values in the county are somewhat expensive coinciding with the income level; according to Zillow, the median home value as of March 2020 is just under $219,000.

Volusia County represents an overlapping portion of the Deltona-Daytona Beach Metro Areas, and the county’s largest cities include Daytona Beach (68,900 residents), Deltona (92,000 residents), Port Orange (64,300 residents) and Ormond Beach (43,500 residents).

The county also is home to several higher-education institutions, such as the University of Central Florida, Daytona State College, and Keiser University, among others. Additionally, Volusia County has over a dozen state and nationally protected parks and wildlife preserves, including the Canaveral National Seashore, Gemini Spring Park, Lake George State Forest, and the Tiger Bay State Forest

Home Insurance Premiums in Volusia County

If you plan to live in the county, you should know how wind mitigation features can dramatically reduce how much you’ll have to pay for your home insurance premiums. On average, the difference between insurance premiums for homes worth $150,000 that have or lack wind mitigation is just under $1,000, as the figures in the table below demonstrate.

The significant price difference is the result of the high risk of storm damage in states like Florida, that go through hurricane season each year. Factors like weather patterns and resilience/protective features of the home structure are things that insurance companies fuse to determine premiums they quote to potential customers. Upgrading older homes to include now-standard wind mitigation is a great way to lessen your premium. 

Average Homeowners Premiums in Volusia County

Construction TypeHome ValueAverage Premium
Overall Average$1,822.73
Pre-2001 (No Wind Mitigation)$150,000$2,173.11
Pre-2001 (With Wind Mitigation)$150,000$1,210.96
New Construction$300,000$2,084.11

The above data was sourced from Florida’s Office of Insurance Regulation, revealing the overall county average to be $1,823. Another way that you can save money on your home insurance bill is to shop around before committing to a policy. Different companies can vary greatly in what they’re willing to quote. Listed below you can see which insurance companies have historically offered the lowest average premiums in the county.

Based on these numbers, for homeowners with a pre-2001 home with wind mitigation, purchasing a policy with Universal Property & Casualty Insurance saved them almost $500, so make sure to do your research when comparison shopping to maximize your own savings. 

For $150,000 homes built before 2001 without wind mitigation, the average premium is $2,173.

Cheaper options are listed below:

  • Florida Family – $1,391
  • Tower Hill Prime – $1,617
  • Citizens – $1,671
  • Stillwater – $1,671

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

CompanyAnnual Premium
Average$2,173.11
Florida Family$1,391
Tower Hill Prime$1,617
Citizens$1,671
Stillwater$1,671
First Community$1,763
Tower Hill Preferred$1,783
First Protective$1,792
Southern Fidelity$1,798
Florida Peninsula$1,897
Tower Hill Signature$1,909
Security First$2,069
Tower Hill Select$2,086
Castle Key$2,095
Florida Farm$2,122
St. Johns$2,173
Universal$2,180
FedNat$2,251
People's Trust$2,267
Liberty Mutual$2,329
State Farm Florida$2,489
ASI$2,498
American Integrity$2,503
Universal$2,534
Family Security$2,596
American Traditions$2,703
Auto Club Florida$3,221
Southern Oak$3,266

For $150,000 homes built before 2001 with wind mitigation, the average premium is $1,211.

Cheaper options are listed below:

  • Citizens – $701
  • Florida Farm – $806
  • Florida Family – $832
  • First Protective – $877

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

CompanyAnnual Premium
Average$1,210.96
Citizens$701
Florida Farm$806
Florida Family$832
First Protective$877
Stillwater$909
Universal$949
Tower Hill Prime$971
Tower Hill Preferred$998
St. Johns$1,004
FedNat$1,082
Tower Hill Signature$1,102
Universal$1,129
Tower Hill Select$1,150
People's Trust$1,167
First Community$1,193
American Traditions$1,200
Florida Peninsula$1,201
Southern Fidelity$1,256
Castle Key$1,354
American Integrity$1,395
Southern Oak$1,439
Security First$1,481
ASI$1,499
Family Security$1,660
Liberty Mutual$1,690
State Farm Florida$1,791
Auto Club Florida$1,860

For $300,000 homes with new construction, the average premium is $2,084.

Cheaper options are listed below:

  • Stillwater – $1,228
  • Florida Family – $1,479
  • Florida Farm – $1,488
  • Southern Oak – $1,507

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

CompanyAnnual Premium
Average$2,084.11
Stillwater$1,228
Florida Family$1,479
Florida Farm$1,488
Southern Oak$1,507
Citizens$1,559
First Protective$1,676
St. Johns$1,762
Tower Hill Preferred$1,793
Tower Hill Select$1,852
Tower Hill Prime$1,861
Universal$1,871
First Community$1,990
Florida Peninsula$2,007
Castle Key$2,010
People's Trust$2,053
Tower Hill Signature$2,069
Universal$2,082
American Traditions$2,111
FedNat$2,214
American Integrity$2,317
ASI$2,427
Southern Fidelity$2,491
Security First$2,537
Family Security$2,616
Auto Club Florida$2,817
State Farm Florida$3,136
Liberty Mutual$3,318

Flood Insurance in Volusia

Another part of homeownership near the Florida coastline is that you’ll need to purchase separate flood insurance in addition to FL home insurance policies. As enjoyable as the natural attractions in Volusia County can be, the weather in the area is a significant risk to your property, but standard home insurance won’t cover damage from floods like it will from wind storms.

If you are planning to buy a house in Volusia County, it’s important that you know where to look for flood insurance; regional insurance companies such as First Protective have affordable plans available via the federal National Flood Insurance Program, and many homeowners decide that getting both insurance policies from one company is more convenient and preferable for them.

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