5 Best Ocala Homeowners Insurance Companies (2025)
Amica and State Farm offer some of the best home insurance policies in Ocala, Florida, with affordable premiums and strong customer satisfaction.
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Although it’s not near the coast, Ocala, Florida, is at risk for severe wind and flooding. This is reflected in its home insurance costs. Homeowners in Ocala pay an average of $3,516 annually for $300,000 in dwelling coverage with a $1,000 deductible. This is considerably higher than the national annual average of $2,532.
To ensure your Ocala home has the right coverage, it’s crucial to identify the best companies and compare home insurance quotes.
Quick Facts
Homeowners in Ocala pay an average of $1,700 per year for a policy with $300,000 in dwelling coverage and a $500 deductible.
On average, Ocala receives just less than 51 inches of rain per year, which can lead to flash flooding.
Home insurance doesn’t cover flooding, so you’ll need to buy a separate flood insurance policy to protect your Ocala home.
Best home insurance companies in Ocala
Ocala homeowners have plenty of quality home insurance companies to choose from. Whether you’re looking for excellent customer service, the cheapest coverage, or the most policy options, you can find a company that suits your needs.
There’s no single best insurance company for everyone — the right company for you depends on your situation and needs. We’ve chosen the following five insurance companies in Ocala based on price, customer satisfaction, coverage, and available discounts.
Amica: Best for customer satisfaction
State Farm: Best for affordable rates
Chubb: Best for flood insurance
Stillwater: Best for coverages and discounts
Citizens Property Insurance Corporation: Best for people who don’t qualify for other coverage
Citizens Property Insurance Corporation is a not-for-profit company that offers property insurance to people who are unable to obtain coverage through the private market. While it has higher rates and less comprehensive policies than other companies, Citizens offers a handful of optional coverages and discounts for Ocala homeowners.
An important condition of Citizens is its depopulation program. The program matches customers with private insurers that offer premiums within 20% of their Citizens rate. Coverage with the new insurer starts when the current Citizens policy term ends.
Pros
Coverage for homeowners who can’t get it elsewhere
Few complaints with the NAIC
Many agents in Ocala
Cons
Few optional coverages
Higher premiums than most companies
Can’t get a quote or buy coverage online
Our editorial team analyzed regional and national home insurance companies that sell policies in Ocala to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
How much is home insurance in Ocala?
The average cost of homeowners insurance in Ocala is $3,516 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, Insurify data shows. Premiums can vary significantly depending on the coverage and type of homeowners insurance you choose, so it’s worth shopping around before buying a policy.[?]
Additionally, factors like your home’s characteristics and location, as well as your coverage selections, deductible, and insurance claims history, can all affect your premiums.
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Cheapest home insurance companies in Ocala
Home insurance costs in Ocala vary widely from one company to the next. The table below shows some of the cheapest insurers for Ocala homeowners. While these rates may differ from the quotes you receive, the information can serve as a valuable starting point to help you shop for coverage.
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Insurance Company  | Average Annual Premium |
|---|---|
| Chubb | $2,736 |
| Allstate | $3,108 |
| State Farm | $3,600 |
| Nationwide | $5,004 |
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $5,136 |
| State Farm | $6,480 |
| Chubb | $6,636 |
| Nationwide | $10,896 |
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $6,900 |
| State Farm | $8,736 |
| Chubb | $9,576 |
| Nationwide | $15,384 |
The state of home insurance in Florida
Florida is facing a home insurance crisis. As the most expensive state in the country for homeowners insurance, Florida’s average annual costs are likely to exceed $15,000 by the end of the year.
One of the most obvious perils Florida residents face is hurricanes. More than half of the state’s counties are at a relatively high or very high risk of hurricane damage, according to the Federal Emergency Management Agency (FEMA). For this reason, many companies have either left the state or become insolvent.
Severe weather risks combined with fewer insurers likely contribute to Florida’s higher premiums. In turn, homeowners may find it harder to get the coverage they need.
How much homeowners insurance do you need in Ocala?
Homeowners insurance isn’t legally required in the same way that car insurance is, but you still need it. Lenders require borrowers to have hazard insurance as long as the home’s mortgage isn’t paid off.
Additionally, major property damage from losses like a hurricane or fire can be financially crippling, so it’s essential to have adequate coverage.
Along with covering your dwelling, homeowners insurance policies typically cover personal liability, other structures, personal belongings inside your home, and additional living expenses.[?]
Experts generally recommend insuring your home for at least 80% of its replacement cost. While your home’s square footage can serve as a general guide for estimating replacement cost, it doesn’t account for all factors. Your home’s construction, location, and any special features may increase your insurance costs.
What to know about home insurance in Ocala, FL
Ocala is located in Marion County, which has a relatively high hurricane risk, according to FEMA. Ocala residents need to consider this risk when buying insurance — especially since hurricane insurance may have a separate deductible.
Flooding is also prevalent in Florida and is a risk that homeowners insurance doesn’t cover. Flood insurance policies are available through the NFIP and some private insurers, including some on this list.
While flood insurance isn’t required for every homeowner, lenders often require it for homes in flood zones, particularly people with government-backed mortgages.
Home insurance coverage for hurricanes and flooding
Homeowners insurance doesn’t cover flooding from hurricanes, but it does cover wind damage, even if it’s the result of a hurricane. Some insurers charge a separate, higher deductible for these claims, especially in high-risk states like Florida. This deductible takes effect when a hurricane or tropical storm is officially named.[?]
When shopping for homeowners insurance in Ocala, it’s important to ensure that you have the coverage types you need. Together, comprehensive home insurance and flood insurance protect your home from both windstorms and flooding.
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How to get home insurance in Ocala
Follow these steps to get home insurance in Ocala:
Average cost of home insurance in other cities in Florida
Homeowners insurance rates differ from city to city and even across different ZIP codes within the same city, depending on various risk factors.
For example, some areas have higher crime rates, more extreme weather patterns, or better access to fire departments. In Florida specifically, areas at greater risk of hurricanes might have more expensive policy premiums.
The table below shows the average cost of home insurance in several different Florida cities.
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
City | Average Annual Premium: With $300,000 in Dwelling Coverage |
|---|---|
| Orlando | $4,608 |
Ocala homeowners insurance FAQs
For more information on buying homeowners insurance in Ocala, see the answers to frequently asked questions below.
Home insurance in Ocala costs an average of $293 per month for a policy with $300,000 in dwelling coverage and a $1,000 deductible, Insurify data shows. This rate doesn’t include flood insurance, which is a separate purchase. Certain home characteristics, such as unique building materials or specialty finishes, can also lead to more expensive premiums.
Allstate has some of the cheapest homeowners insurance rates in Ocala, with an average monthly premium of $311 for a policy with $300,000 in coverage and a $1,000 deductible. Because many factors affect insurance rates, a different company’s rates might be cheaper for you.
No single insurance company is best for everyone in Ocala. Because each home and homeowner has different needs, it’s important to shop around for a company that suits you. Amica, State Farm, Chubb, Stillwater, and Citizens are our top picks.
It’s becoming increasingly difficult to get homeowners insurance in Florida for two reasons. First, premiums are rising quickly, making coverage unaffordable for some homeowners. Second, many companies have either gone out of business or stopped offering policies in the state, leaving locals with fewer options.
Many factors affect your home insurance premiums. These include your location within the city (such as your neighborhood crime rate or proximity to the fire department), your home’s age and condition, your coverage selection and deductible, and your claims history.
Yes. It’s standard for insurance companies in Florida to apply a separate hurricane deductible for named hurricanes. State law requires insurance companies to offer several deductible options: $500, or 2%, 5%, or 10% of the dwelling coverage limits.[?]
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