Gainesville, Florida earns its stripes as a premier destination with an abundance of attractions. From a thriving cityscape of exotic plants to being home to the illustrious University of Florida, Gainesville has it all! It continues its streak by claiming one more title – ranking amongst some of the best places in all of Florida for residents who are looking for their dream homes. With its low cost of living and beautiful neighborhoods, Gainesville is an ideal place to call home.
Hence, if you’re in search for an insurance plan in Gainesville, FL, you can trust local insurance agents Gainesville to take care of all your needs. They will help you find the best coverage and most competitive rates for any type of insurance that you may need.
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Popular Coverages in Gainesville, FL
Whether you are looking for auto insurance, homeowners’ insurance, or insurance to cover a vacation rental property, our local Gainesville insurance agents near you are always available for helping you choose the right coverage.
Following shows typical type of insurance with different standard coverages
- Personal Property Coverage
- Personal Liability Protection
- Dwelling Coverage
- Medical Payments Coverage
- Additional Living Expenses (ALE)/Loss of Rent
- Flood Insurance
- Hurricanes/ Wind storm coverage
- Bodily Injury Coverage
- Property Damage Coverage
- Uninsured/Underinsured Motorist Coverage
- Personal Injury Protection (PIP)
- Business Owners Policy
- Workers Compensation
- Commercial Umbrella Coverage
- Professional Liability Insurance
- Term Life Coverage
- Whole Life Coverage
Average Cost of Insurance in Gainesville
Florida is one of the most expensive places in the nation for homeowners insurance. Still, Gainesville’s northern location means home insurance isn’t as costly as many cities in south Florida where hurricanes are a significant threat.
The typical rates for the most owned coverages in Gainesville are as follows:
- Car Insurance $1,032
- Home Insurance $1,356
- Flood Insurance $562
- Life Insurance $627
- Business Insurance $540
Frequently Asked Questions
How to find reliable car insurance agent near you in Gainesville?
Look for agencies that specialize in insurance in Gainesville and those that offer bundling packages and discounts. Be sure to check with the Better Business Bureau and read customer reviews to ensure that the agency you choose has been vetted by other customers. Consider consulting with multiple agents to find out rates, deductible options, and add-on services such as flood insurance or extended warranties.
What Does Homeowners Insurance in Gainesville Cover?
Homeowners insurance in Gainesville covers you from a variety of potential damage sources called perils. Perils range from natural disasters like hurricanes and tornadoes to mishaps like dog bites. Home insurance protects your property and your financial wellbeing.
Your insurer can even step in to cover costs if someone injures themselves on your property and sues you.
Do Gainesville require flood insurance?
Even though Gainesville is more than an hour inland, flooding has historically been an issue. Almost a quarter of Gainesville land (23%) is in a FEMA-designated flood zone, with places near bodies of water and Paynes Prairie being at special risk.
How to save on Gainesville Insurance?
One of the best ways to save on insurance is to shop around and find a plan that fits your needs. Comparing rates is the only way to know which company has what you need at a price you can afford.
How much is the cost of homeowners insurance in Gainesville?
The cost of homeowners insurance is around $1,356. But the value can differ from company to company as per the requirement of coverage and the budget of the insurance buyers.