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2024

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Best Homeowners Insurance Agencies in Gainesville, FL

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Gainesville Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

72Reviewed

46Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1111 Northwest 23rd Avenue, Gainesville, FL 32609

Expertise.com Rating

Review Sources

Google
4.6 (36)
Facebook
5.0 (9)

Why choose this provider?

Sunshine State Insurance Agency is a family-owned and operated business providing insurance assistance to clients in Gainesville and nearby areas. Since 1971, its licensed agents help homeowner's insurance policyholders in rebuilding and remodeling their damaged properties. The cost of coverage depends on the company's named-perils policy and all-risk policy. Home insurance is created to safeguard homeowners and renters from disasters, accidents, and liabilities. Other services include auto, personal, and business insurance.

  • Fire
  • Multiple Policy Types

1222 Northwest 16th Avenue, Gainesville, FL 32601

Expertise.com Rating

Review Sources

Google
5.0 (108)
Facebook
5.0 (7)

Why choose this provider?

Cotton's All Lines Insurance, Inc. is an independent insurance company that has been assisting clients with insurance matters in Gainesville and the surrounding areas since 1973. Its agents help individuals compare available insurance coverages in the market. Homeowners' insurance policyholders can protect their families, homes, and belongings from certain accidents and disaster threats. The home insurance policy also covers medical expenses, additional living expenses, and personal property such as jewelry, art, and collectibles.

  • Renter's Insurance
  • Condos

3501 West University Avenue, Gainesville, FL 32607

Expertise.com Rating

Review Sources

Google
5.0 (85)
Facebook
4.9 (20)
Yelp
4.5 (5)

Why choose this provider?

McGriff-Williams Insurance is a full-service financial and insurance company that has been serving the Gainesville metro area and nearby localities since 1983. The firm assists individuals and families in protecting their homes and personal possessions against accidents, disasters, and unforeseen circumstances through a homeowners insurance policy. Its licensed agents guide customers in choosing the right homeowners coverage, including dwelling and other structures, personal assets and liability, medical expenses for other people's injuries, and loss of use. Other personal insurance offerings include vehicle, health and life, and business coverages. The company also provides financial management services.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

2321 Northwest 41 Street, Gainesville, FL 32606

Expertise.com Rating

Review Sources

Google
4.6 (44)

Why choose this provider?

Founded in 1974, King Insurance is a locally-operated business assisting Gainesville customers with their insurance needs. The company provides expert advice and various insurance products ranging from auto, business, and home. The custom homeowners' insurance program serves as a client's protection from damages to belongings, structures, and even liabilities. Its agents assess customers' policies and adjust them when needed. The company also offers condo, in-home business, landlord, mobile home, and vacation rental home insurance.

  • Personal Property Insurance
  • Multiple Policy Types

2400 Northwest 6th Street, Gainesville, FL 32609

Expertise.com Rating

Review Sources

Google
4.6 (47)

Why choose this provider?

Aubrey Rogers Insurance Agency, Inc., is an independent insurance brokerage serving Gainesville communities since 1982. It represents over 50 carriers offering various coverages. Its team addresses both personal and commercial insurance needs. The business offers comprehensive homeowner's insurance that covers loss or damage of properties and assets due to natural disasters, vandalism, and theft. It also includes liability protection and medical coverage and for injuries sustained by another person in the client's property. The company offers separate policies for flood or earthquake coverage.

  • Multiple Policy Types

5200 West Newberry Road, Gainesville, FL 32607

Expertise.com Rating

Review Sources

Google
4.9 (398)
Facebook
4.9 (32)
Yelp
5.0 (11)

Why choose this provider?

Based in Gainesville, Darr Schackow Insurance services homeowners that seek to secure coverage for their properties and belongings. The agency helps clients determine suitable insurance policies and offers assistance for flood insurance and mortgage protection claims. Darr Schackow Insurance also helps clients obtain coverage for their valuables through replacement costs as well as specialty coverage for high-value belongings such as artwork, watches, and jewelry. The firm was founded in 2007 through a merger between the agencies of Ray Schackow and John Darr, Sr.

  • Flood
  • Personal Property Insurance

3545 Southwest 34th Street, Gainesville, FL 32608

Expertise.com Rating

Review Sources

Google
5.0 (13)
Facebook
5.0 (11)

Why choose this provider?

Ruz Ogra works for State Farm as an insurance agent and helps clients in Gainesville and nearby communities. She coordinates with homeowners and finds an insurance plan that best addresses their needs and fits their budgets. Policies can cover any repairs or replacements needed due to storms, lightning, and fire damage. She can also facilitate additional coverage for earthquakes and flooding. Ruz Ogra and her staff have resided in Gainesville for years, giving them a familiarity with its risks and other residential concerns.

  • Renter's Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Sunshine State Insurance Agency
1111 Northwest 23rd Avenue, Gainesville, FL 32609
Cotton’s All Lines Insurance, Inc.
1222 Northwest 16th Avenue, Gainesville, FL 32601
McGriff-Williams Insurance
3501 West University Avenue, Gainesville, FL 32607
King Insurance
2321 Northwest 41 Street, Gainesville, FL 32606
Aubrey Rogers Insurance Agency, Inc.
2400 Northwest 6th Street, Gainesville, FL 32609
Darr Schackow Insurance
5200 West Newberry Road, Gainesville, FL 32607
Ruz Ogra - State Farm Insurance Agent
3545 Southwest 34th Street, Gainesville, FL 32608

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What is the cost of homeowners' insurance in Gainesville?

    Gainesville homeowners' insurance rates are $3,671 for a $450,000 house, $2,672 for a $300,000 house, and $1,539 for a $150,000 house, according to data from the Florida Office of Insurance Regulation. These rates are significantly lower than the state average, which is $5,849 annually for a $450,000 home, $4,386 annually for a $300,000 home, and $2,533 annually for a $150,000 home.

  • What factors influence homeowners' insurance rates in Gainesville?

    Various elements, both within and beyond the policyholder's influence, can impact homeowners' insurance rates in Gainesville. These factors encompass the following:

    • The age of your residence.
    • Your roof's condition.
    • Your credit score and claims history.
    • Your choice of coverage extent and deductible.
    • Whether your insurance provider has experienced an unanticipated surge in claims.
  • What can you do about your high hurricane deductible in Gainesville?

    A passing storm or hurricane in Gainesville could result in unexpectedly high deductibles, but a quick call to your insurance company may be able to help you avoid these high costs. You should get in touch with your insurer promptly and ask whether they could lower your hurricane deductible to a more reasonable level.

  • What differentiates actual cash value from replacement cost in Gainesville?

    When you choose the actual cash value option for compensating covered losses in Gainesville, you receive the item's current value, taking depreciation into account. On the other hand, replacement cost coverage ensures you are reimbursed for the cost of getting a similar item of the same quality at the current market rate.

  • Which factors should you take into account when buying homeowners' insurance in Gainesville?

    When purchasing homeowners' insurance in Gainesville, it's essential to calculate the appropriate coverage for your needs and ensure your policy covers 100% of your home's replacement cost. If it's less than 80%, your insurance won't fully replace your home, leaving you with extra expenses. Also, check if the personal property and liability limits meet your requirements. Furthermore, consider adding extra endorsements to your policy, such as earthquake, jewelry, or personal property replacement costs.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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