Compare up to 12 quotes for your home in Lafayette County, FL! It's easy and only takes a minute!
Lafayette County, FL Homeowners Insurance Quotes
We can help you get a free and quick comparison of Lafayette County, FL home insurance rate quotes to easily review. We like to help you shop up to 12 competitive home insurance rates with a variety of coverage options from a standard policy to a multi-line packaged discount policy that would include your home and auto insurance together. A standard (HO-3) policy for homeowners living in Lafayette County includes protection against most perils, but does not include coverage for flood or earthquake damage. Don't worry, our home insurance professionals of Florida can help you figure out which policy is best for you.
Homeowners living in Lafayette County, pay on average around $2165 a year or $180.42 per month. Let us help you explore multiple coverage options and provide up to 40% in discounted savings for your new policy. For online quotes, please enter your zip code of the property you would like to insure today or give us a call now at 1-888-685-4704
For all Lafayette 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 Lafayette 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.
Lafayette County, FL Housing Demographics
With 8,870 residents living within the Lafayette County area there are over 3,328 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 1,818 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 Lafayette County.
Demographic | Values |
---|---|
Total Occupied Households | 2,580 |
Family Households (families) | 1,818 |
Average Owner Occupied Household Size | 3 |
Average Family Size | 3 |
Total Housing Units | 3,328 |
Lafayette County, FL Coastal Wind, Hail & Flood Information
For all homeowners living in Lafayette County (FIPS: 12067), 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 Lafayette County, FL, it's important that you look into hurricane and windstorm insurance options.
Lafayette County, FL Home Insurance Average Premiums
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 Rating | Annual Premium |
---|---|
Minimum Range: | $929 /yr. |
Current Average Cost: | $1,735 /yr. |
Maximum Range: | $2165 /yr. |
Lafayette County, FL Coastal Wind, Hail & Flood Information
Lafayette 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 Lafayette 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
-
Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024
As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]
-
Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024
Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]
-
Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024
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 […]
-
Florida Lawmakers May Allow Takeout Offers to Citizens’ Policyholders Posted on Wednesday 13th March, 2024
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 […]
-
Florida has 7 New Home Insurance Companies Entering the Market Posted on Friday 1st March, 2024
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 […]
-
What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024
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. […]
-
Florida Homeowners Advance From Citizens into Private Companies Posted on Tuesday 5th December, 2023
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 […]
-
2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023
The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies. Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]
Discounts For Homeowners in Lafayette 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 Lafayette 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 Lafayette 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 Lafayette 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.
Lafayette County Housing & Real Estate Data
Details: | Statistics |
---|---|
Total Housing Units | 3328 |
Occupied Housing Units | 2580 |
Vacant Housing Units | 748 |
Vacant Housing Units for Rent | 78 |
Vacant Housing Units Rented Not Occupied | 10 |
Vacant Housing Units For Sale | 34 |
Vacant Housing Units Sold Not Occupied | 10 |
Vacant Housing Units For Seasonal Occasional Use | 402 |
Vacant Housing Units All Other Vacants | 214 |
Housing Units Homeowner Vacancy Rate Percent | 2 |
Housing Units Rental Vacancy Rate Percent | 11 |
Housing Tenure Occupied Units | 2580 |
Housing Tenure Occupied Units Owner Occupied | 1955 |
Housing Tenure Occupied Units Owner Occupied Population | 4976 |
Housing Tenure Occupied Units Owner Occupied Averge Household Size | 3 |
Housing Tenure Occupied Units Renter Occupied | 625 |
Housing Tenure Occupied Units Renter Occupied Population | 1800 |
Housing Tenure Occupied Units Renter Occupied Average Household Size | 3 |