Kissimmee Homeowners Insurance

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Written by Trusted Choice

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Located just a short drive away from the tourist destination of Orlando, Kissimmee, FL is home to about 60,000 people. This city is home to the Valencia College Osceola Campus, the University of Central Florida Osceola Campus and Johnson University Florida. It has a lot to offer its residents, including biking trails, golf courses, several retail establishments and a number of beautiful parks. If you are one of the many homeowners who have set roots by purchasing a house in this vibrant city, you will want to be sure to protect your investment with a suitable Kissimmee home insurance policy.

Comparison shopping can help you find a competitively priced policy that best meets your coverage needs. Independent Insurance Agents in our network make shopping for coverage easy. These agents are able to obtain customized Kissimmee homeowners insurance quotes from a number of highly rated providers so that you are able to choose the policy that is right for you and your family. Find an agent near you to learn more.

  • National yearly premium average: $1,034
  • Florida yearly premium average: $1,103
  • 14th most expensive premium in the U.S.

On average, homeowners in Florida pay more for their home insurance coverage than most across the nation. While the figures listed above may give you a general idea of what your coverage rates might be, the only way to discover your actual cost is to request quotes from a few insurance companies. These companies take a number of factors into consideration when they calculate the cost of your Kissimmee home insurance premiums. Prices can be influenced by several factors including the following:

  • The ZIP code where the house you are insuring is located
  • The age and value of the house you are insuring
  • The building materials used in your home’s construction
  • The amount of property coverage you need
  • The type of home you are insuring: primary residence, second home or vacation home
  • The amount of your deductible
  • Your claims history and, sometimes, even your credit score

To find a policy that offers the best value for your money, you should compare at least three Kissimmee homeowners insurance quotes before making a purchase.

Second Home and Vacation Home Insurance

If you own a second home or a vacation home, your insurance needs are a bit different, particularly if you rent to tenants while you are not using the property or if you let the home sit empty and unattended for several months out of the year. Be sure to discuss your coverage needs with your agent, who can help you find suitable policies for these types of houses. Your agent may even be able to get you a discount by bundling your second home or vacation home coverage with your Kissimmee home insurance policy.

Number of Thefts in Florida

  • National number of burglaries: 37,814
  • Florida number of burglaries: 3,316

Burglary rates in the state of Florida are lower than the national average; unfortunately, in Kissimmee, the rates are quite high. In recent years, there was a total of 802 burglaries reported in this city. That equates to 12.41 burglaries for every 1,000 households – more than twice the national rate of 6.11.

Reduce your risk of burglaries by ensuring that all doors and windows have working, secure locks, by stopping mail and newspaper delivery when you are away on vacation, and by keeping the entryways to your house well-lit and unobstructed. Burglar alarm systems are strong theft deterrents, and having one installed in your home can even earn you a discount on your home coverage. If your house is burglarized, you may take some comfort in knowing that your Kissimmee homeowners insurance policy provides you with compensation for your losses. Be sure to keep a copy of the police report, as you will need it when you file your claim.


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Number of Catastrophes in Florida

  • Number of catastrophes in Florida: 594
  • Number of tornadoes in Florida: 23
  • Amount of property damage in Florida: $210,240,000
  • 1 in 15 insured homes has a claim each year

When disaster strikes, many homeowners take comfort in knowing that they have insurance policies to back them up. You want to be certain that your Kissimmee homeowners insurance includes a sufficient amount of personal property (or contents) coverage so that in the event of a total loss, you can afford to start over.

Contents coverage covers everything you own in your house, from clothing to appliances to furniture. Many people are surprised by the value of the belongings they have accumulated over the years. Your agent can help you decide on suitable coverage amounts and can advise you if special endorsements are necessary for high value items, like jewelry and collectibles. Your agent can also help you decide between purchasing actual value or replacement cost coverage.

What Are the Risks in Kissimmee, FL?

Homeowners in Kissimmee need to make sure that their property is sufficiently covered against hurricanes, tropical storms and tornadoes. Hurricanes and tropical storms that make landfall in Florida pose a significant threat to homeowners in this city. For example, Hurricane Charley blew through this city bringing winds in excess of 100 miles per hour. Several homes and building were damaged, and the entire city lost electrical power. It took nearly two weeks to restore power to all homes. Then, shortly after, Kissimmee was hit again by two more hurricanes: Frances and Jeanne. You want to be certain that your home coverage includes hurricane insurance. Many insurers require you to buy a special endorsement or supplemental coverage against this threat. Fortunately, your local agent will be able to help you make certain that the coverage you have is sufficient.

Furthermore, tornado activity in this city is 54 percent greater than the national average. In February 1998, an F3 twister touched down just 6.6 miles from the city center. It killed 25 people, injured 150 more and caused approximately $55 million in property damage. Fortunately, it is very likely that your Kissimmee home insurance policy provide coverage against this type of disaster as well as against tropical storms. Your independent insurance agent can advise you if it does not.

Compare Kissimmee Home Insurance Quotes

The only way you can be sure that you are getting your Kissimmee home insurance coverage at a reasonable rate is by requesting and reviewing costs and offerings from a variety of reputable insurers. Unfortunately, comparison shopping can often prove to be time-consuming for consumers, who therefore skip this important step. Savvy homeowners in Kissimmee, on the other hand, turn to the independent insurance agents in our network for help. Our agents are not tied to a single insurance company, so they are free to shop around for the best coverage. They can quickly provide you with a selection of customized Kissimmee homeowners insurance quotes and can offer guidance as you select the best one to purchase. 

Find an agent with an office near your Kissimmee home to get started.

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