Homeowner Insurance Costs in Orange County, FL

How much does homeowner insurance cost in Orange County? Here's what to expect.

Est. Annual Premium

$1,810

Monthly Cost

$151

Median Home Value

$329,000

% of Income

2.5%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$329,000
Personal Property (C)$164,500
Liability (E)$300,000
Deductible$3,290

Cost Context

Homeownership Rate57.0%
Median Income$72,629
Property Tax Rate0.8%
Population1,427,403

About Insurance in Orange County

Homeowner insurance in Orange County, Florida costs an estimated $1,810 per year for a median-value home of $329,000. This represents approximately 2.5% of the median household income of $72,629.

Actual premiums depend on your home's age, construction type, claims history, credit score, proximity to fire stations, and specific peril exposures. Use our calculator for a personalized total cost of risk analysis with peril-by-peril breakdown.

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Other Counties in Florida

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Insurance Information Institute, state insurance departments. Estimates are county-level approximations. This is not insurance advice.