Shop multiple homeowners insurance carriers in one place providing service and consultation from a licensed Desoto County, FL agent.

Desoto County, FL Homeowners Insurance Quotes

Homeowners of Desoto County, you are paying around $180.42 a month for basic or HO-3 standard homeowners insurance coverage. If you would like to pay less than average for your home insurance premium, you are in the right place. We will be happy to help you shop and compare home insurance rates for your home in Desoto County, our job is to help you find better than average quotes that is less than $2165 per year. Desoto County residentents are happy to use our service and benefit from comparing competitive Florida homeowners insurance rates all in one place. Our online quoting application allows you to review up to 12 competitive rates which makes it easy for you to see which carrier may have the lowest rate. But also which insurance provider has the best coverage. Let us help you shop your Desoto County, FL home insurance rate quotes today!

For all Desoto County, FL residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Desoto County? Simply enter your zip code to get your Florida homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Desoto County, FL Housing Demographics

With 34,862 residents living within the Desoto County area there are over 14,590 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 7,903 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Desoto County.

DemographicValues
Total Occupied Households11,445
Family Households (families)7,903
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units14,590

Desoto County, FL Coastal Wind, Hail & Flood Information

For all homeowners living in DeSoto County (FIPS: 12027), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Florida is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Desoto County, FL, it's important that you look into hurricane and windstorm insurance options.

Desoto County, FL Home Insurance Average Premiums

Local Desoto, FL homeowners insurance quotes comparison

$1,735 /yr.

Florida's Average Home Insurance Rates Overall

For the state of Florida, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 1 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$929 /yr.
Current Average Cost:$1,735 /yr.
Maximum Range:$2165 /yr.

Desoto County, FL Coastal Wind, Hail & Flood Information

Desoto is 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 Desoto County 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

Florida Homeowners Insurance News & Information

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

  • Florida home insurance and hurricanes How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025

    Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]

  • New Home Insurance Company Launches in Florida, Shows Signs of Improvement Posted on Tuesday 13th May, 2025

    According to Office of Insurance Regulation and leaders in the industry, Florida may finally be emerging from the insurance crisis that it has suffered through for the last decade. Insurance companies operating in the state are starting to stabilize rates and new insurance companies are entering the Florida market.  Recently, the Office of Insurance Regulation […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]

  • 2025 List of States Where Finding Home Insurance Is Most Difficult and Why Posted on Tuesday 11th March, 2025

    Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance.  If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]

  • Will Citizens Policyholders See a Home Insurance Rate Decrease?  Posted on Tuesday 11th March, 2025

    Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

Discounts For Homeowners in Desoto County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Florida homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Desoto County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Desoto County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Desoto County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Desoto County Housing & Real Estate Data

Details:Statistics
Total Housing Units14590
Occupied Housing Units11445
Vacant Housing Units3145
Vacant Housing Units for Rent550
Vacant Housing Units Rented Not Occupied24
Vacant Housing Units For Sale285
Vacant Housing Units Sold Not Occupied75
Vacant Housing Units For Seasonal Occasional Use1628
Vacant Housing Units All Other Vacants583
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent15
Housing Tenure Occupied Units11445
Housing Tenure Occupied Units Owner Occupied8237
Housing Tenure Occupied Units Owner Occupied Population20958
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied3208
Housing Tenure Occupied Units Renter Occupied Population10106
Housing Tenure Occupied Units Renter Occupied Average Household Size3