St. Cloud Homeowners Insurance

Find the Right St. Cloud, FL Homeowners Insurance

Find the right homeowners insurance policy for you.

St. Cloud, FL is known for its unique storefront shops, amazing antiques, and laid back culture. This sweet community is located on the shore of East Lake Tohopekaliga and was originally founded as a retirement community for Civil War Union veterans. This storybook city is a great place to settle in and put down roots. Whether you choose to live in St. Cloud full-time or invest in a vacation home in this area, you need a reliable St. Cloud homeowners insurance policy. Our Independent Insurance Agents are familiar with the risks of owning a home in Florida, and they can guide you toward the best home insurance plans that offer maximum protection at an affordable price.

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

As in any city in the Sunshine State, insurance rates tend to be on the high end of the national average. Our agents can help you offset these high premiums by finding discounts and helping you compare rates. Agents will provide you with a personalized rate determined by factors such as the size and location of your home. Other factors that will drive up your St. Cloud homeowners insurance rate are swimming pools and trampolines and aggressive dog breeds.

St. Cloud Second Home and Vacation Home Insurance

St. Cloud is a perfect vacation spot with its laid back vibe, gorgeous scenery and low crime rate. The historic downtown looks like a page out of history. This is a great place to escape from life’s daily grind and enjoy a little rest and recuperation. Insurance for a second home can be confusing, so let an independent agent guide you toward the best coverage options to protect your investment and safeguard your vacation home from common threats.

Number of Thefts in Florida

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

Despite St. Clouds low crime rate, home invasions still happen. Most homeowners never stop to think about the ramifications of a break-in until it’s too late. If you are the victim of a robbery, it can be suddenly overwhelming to deal with all the details of replacing your valuables, not to mention dealing with any property damage. Our insurance agents can help you select a home insurance policy that offers comprehensive protection against theft by reimbursing you for stolen goods and paying to make any necessary repairs after a break-in.

Number of Catastrophes in Florida

  • Number of catastrophes in Florida: 594
  • Number of tornadoes in Florida: 23
  • 1 in 15 insured homes has a claim each year

Florida offers beautiful scenery, but it is also one of the highest risk states in the nation for natural disasters. Florida residents are no stranger to tropical storms, hurricanes, wildfires, tornadoes, and flooding. Florida homeowners are especially vulnerable and should make sure they have the right insurance plan in place so that when bad weather hits, they have the peace of mind that they are protected.

What Are the Risks in St. Cloud?

In 1966, St. Cloud endured an F4 tornado that ripped through the city, leaving 11 people dead and 530 injured. This city also faces the risk of tornadoes, with an average of two a year that have the potential to cause major damage to property. Homeowners face hurricane season each year on high alert, waiting to see what damage will result from the next big storm. An agent can help you choose a home insurance plan that protects against these challenging threats in St. Cloud.

Compare St. Cloud Home Insurance Quotes

If you’re searching for a budget-friendly home insurance plan in St. Cloud, take time to compare quotes before you purchase a policy. Our independent insurance agents can offer you rate quotes on multiple policies all in one convenient place. Our experienced agents will explain the coverage benefits of each plan and help you do a side-by-side comparison of all of your homeowners insurance options. 

If you’re ready to enjoy significant savings on your annual St. Cloud home insurance premiums, contact an agent for a free quote today.

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