Sebring, FL Home Insurance Quotes!

Affordable home insurance is just one of the benefits of living in our beautiful city. The cost of homeowners insurance in Sebring is around $1,599 per year. With all major discounts applied you can get rates as low as $1,349/yr. Homeowners in larger homes that need more dwelling coverage to accurately replace the home value for a 2,500 square foot home or bigger will see rates a little higher in the $1,899 per year range. Getting the best coverage with the right company for your home in Sebring starts with our excellent home insurance shopping process. Enter your zip code to review the best rates and coverage options available.

Sebring Home Insurance Coverage Types

Homeowners insurance comes in a variety of different types and each one has been designed to specifically insure a certain type of housing unit. One type of coverage is for a single-family house while an HO-4 policy is designed for an apartment.

Here is a quick overview of the different types of insurance that are available to you as a homeowner.

One of the major benefits of an HO-4 policy is the liability coverage that it offers. This portion of the policy will pay out if someone is injured in your apartment. It will cover the cost of medical bills, as well as a legal defense if you are sued because someone was injured in your apartment.

Sebring is a Great Place to Call Home, Here are the Facts

Sebring is one of the crown jewels of the Florida landscape and a current total of 10,491 homeowners currently call this beautiful little city home. There are a variety of housing options available in Sebring including new home purchase opportunties to great fixer uppers. Regardless of whether you are looking for an apartment, single-family house or a condo, we have you covered.

In Sebring, there are 5,673 households per zip code and the average number of people living in a household is 3.

In Sebring, the average household lives on an income of $46,020, which is slightly below the national average, but still very impressive. Luckily, that $46,020 goes pretty far in the Sebring housing market with the median house price coming in a $111,250.

Sebring, FL Demographics & Home Data

Sebring has 10,491 residents, which is roughly 5,673 households per zip code with 3 people per household. The average household income is a respectable $46,020, which is slightly below the national average. Homes are very affordable in the Sebring area with the average house value to be around $111,250.

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Our Service in Florida

You can feel confident that our experience, integrity and service will help you find the best insurance policy at a price you can afford. We work with a wide variety of insurers in Sebring, Florida and all of them are top rated "A+" by A.M. Best Rating and have been in business for several decades.

Just a few of the insurers we work include American Integrity Insurance Group, Anchor Insurance, ASI, Bankers Insurance Group, Centauri Insurance, Chubb, Edison Insurance Company, Florida Peninsula Insurance Company, Heritage Insurance, Lexington Insurance, Olympus Insurance, People's Trust Insurance Company, St. Johns Insurance Company and many more.

Average Rates Nearby Sebring

Are you looking for homeowners insurance in a city near Sebring? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Sebring, FL

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Sebring.

33870,     33872,     33875,     33876,     

Sebring, FL Home Insurance Average Premiums

$1349 /yr.

For the city of Sebring, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

What is the average home insurance cost for a home in Sebring, FL?

What does it cost on average per month for home insurance in Sebring, FL?

Sebring, FL Coastal Wind, Hail & Flood Information

Sebring is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Coastal Sebring, Florida Information: To obtain flood insurance coverage, the process usually takes more than 30 days to finalize, if you need flood insurance coverage now, please call us at 888-620-1954. For more information about your area, please click Coastal Homeowners Insurance in Florida

Sebring, FL - 2023 Housing Information

Homeowners insurance will help cover the cost to repair or replace your Sebring home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

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Saving Money Tips on Sebring Home Insurance

A great way to save money on Sebring homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Are you shopping for the best rate near or wihin the Sebring area? Check out what homeowners are paying on average for Florida homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Sebring, Florida.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home. Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Sebring, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Highlands County.

Florida Homeowners Insurance News & Information

A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

Lawmakers in Florida are moving closer to allowing specific insurer types to make offers to policyholders currently with Citizen’s Property to insure their vacation or second home.  SB 1716 this week cleared the Senate’s Fiscal Policy Committee for the takeout offers after the Senate’s Banking and Insurance Committee approved the measure earlier this month.  This […]

Recently, Florida has seen seven new insurance companies enter the market for homeowners coverage. Currently, the average premium for homeowners coverage is $6,000 a year in the Sunshine state compared to a nationwide average of just $1,700 a year, according to the Insurance Information Institute.  The Insurance Information Institute is hopeful that the new insurance […]

If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

Homeowners Choice Property and Casualty Insurance Co. has assumed approximately 53,750 policies from Citizens Property Insurance Corp., Florida’s state-backed insurance company, the parent company says in a Tuesday news release. Homeowners Choice is owned by HCI Group Inc., a holding company with operations in homeowners insurance, information technology services, real estate and reinsurance. Homeowners Choice […]

Sebring, FL Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Sebring so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Sebring, FL?

- The average square footage in Sebring is around 666 Sq. Ft. which would cost you around $111,250 to replace the home if you base the home on the price to build per square foot of $167.

Minimum Replacement Cost Total: $111,250

Location: Sebring, Florida (Highlands County)

Average Building Cost Per Square Foot in Sebring: $167 (low end)

Average Square Footage in Sebring: 666 Sq. Ft.

The dwelling coverage is calculated by the average cost per square foot ($167) in Sebring, Florida times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $521,875 (Media price to build of $209 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.

Sebring, FL Home Insurance Quotes!

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