Seffner, FL Home Insurance Quotes!

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Chances are you are shopping online because your home insurance rates have increased in Seffner, FL. Getting up to 12 home insurance quotes from couldn't be easier. Within minutes you can review and compare the most affordable and even the cheapest rates available. Our home insurance carriers are very competitive in Seffner and have a above average rating with A.M. Best. If you have additional questions or would prefer to work with a local home insurance agent then please give us a call. For faster quotes, you can start your home insurance quotes online today!

If you are curious about the details of insurance, you may want to ask about coverage for your home in Seffner, Florida. You may be interested to know that a homeowners insurance policy is classified as a multiperl. In the simpliest of terms, this means that it combines both your property and casualty coverage into one packaged policy making it convenient and more affordable to insure your home in Seffner. Your homeowners policy is designed to protect you from major risk like fire, wind/hail and even theft. In addition, your packaged policy can also cover your belongings and liability coverage that may occur due to accidents or injury. Our agents feel it is important for you save money on your home insurance premium, but understanding the benefits of good coverage can help protect you when you need it most.

Seffner, FL Housing & City Data

Location:Seffner, FL (HILLSBOROUGH County)
Occupied Residents:8,960
Average Real Estate Value Per Zip Code:$171,900

Homeowners Insurance in Seffner

Let's talk homeowners insurance rates for Seffner residents. Did you know that homeowners are discovering new ways to save time and money by finding lower rates when they shop online. Overall this area may not be considered the most expensive state in the country to buy home insurance. Residents of Seffner, FL are currently paying between $1,732.00 and $2,598.00 for homeowners insurance coverage. The majority of the United States home insurance premiums are around $1,311, for Florida the average rate combining all premiums is around $2,165 a year. These average home insurance rates reflect the annual premium of a standard home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage.

Finding the best home insurance rates online is easy with Please allow our service to provide huge savings benefits for you and your family. First, enter your zip code to start shopping local Seffner, FL rates. We can help you save up to 40% or more, average rates are around $1,621 for homeowners living in a 2100 square foot home or smaller. Cheaper rates can be found in the $1,371 per year for home insurance. Let us help you shop and save today!

Compare Homeowners Insurance Rates in Seffner, FL!

Enter your Zip Code:    

Get up to 12 competitive Seffner, FL homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Seffner, FL rates all in one place!

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 Seffner, 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 Seffner

Are you looking for homeowners insurance in a city near Seffner? 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 Seffner, FL

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


Seffner, FL Home Insurance Average Premiums

Local Seffner, FL home insurance quotes comparison

$1371 /yr.

Shows Seffner's lowest average rates with discounts applied.

For the city of Seffner, 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.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$1371 /yr.
Average Coverage:$1621 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1921 /yr.

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

  • • The average homeowners insurance premium paid annually for a home in Seffner is around $1621 per year.

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

  • • Homeowners in Seffner pay an average cost per month around $135.00 for insurance coverage.

Seffner, FL Coastal Wind, Hail & Flood Information

Seffner 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.

Flood Zone Notice: The beautiful coastal city of Seffner is know for it's beautiful beaches and waterways. Because Hillsborough County (FIPS: 12057) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Seffner, FL.

Coastal Seffner, 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

Seffner, FL - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $341,479 $309,865
February $339,283 $317,983
March $338,314 $326,927
April $338,291 $335,203

Homeowners insurance will help cover the cost to repair or replace your Seffner 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:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Seffner
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive Seffner, FL homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Seffner, FL rates all in one place!

Saving Money Tips on Seffner Home Insurance

A great way to save money on Seffner 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:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

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

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
77 ft. This is the average home elevation in Seffner, FL

» 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 Seffner, 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 Seffner, 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 Hillsborough County.

Florida Homeowners Insurance News & Information

  • 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 […]

Seffner, FL Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Seffner 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 Seffner, FL?

- The average square footage in Seffner is around 1,029 Sq. Ft. which would cost you around $171,900 to replace the home if you base the home on the price to build per square foot of $167.

Minimum Replacement Cost Total: $171,900

Location: Seffner, Florida (Hillsborough County)

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

Average Square Footage in Seffner: 1,029 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$167$171,900
Some Additional Upgrades$209$214,875
Major Home Updates or Advancements$251$257,850

The dwelling coverage is calculated by the average cost per square foot ($167) in Seffner, 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.