Home insurance in Sarasota
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What does homeowners insurance cover in Sarasota?
Rest easy knowing your coverage protects what matters most.
Dwelling coverage
for the actual structure of your home, inside and out.
Other structures
for things like your detached garage or shed.
Personal property
for your personal belongings that make your house a home.
Loss of use
for additional living expenses when a covered loss forces you to temporarily relocate.
Personal liability
if you accidentally cause someone bodily injury or property damage.
Medical payments
if a guest is injured on your property.
Home security - for installing security or fire alarms (available for nonmobile homes).
Wind mitigation - the more wind-proof your home, the better.
Water detection - because no one wants a flooded home.
Claims-free - for keeping your home safe over the years.
Electronic policy - for reducing your carbon footprint by saving some paper.
Why you'll love Kin
From small claims to disasters, we're here to help you recover quickly.
Here to help
We reach out before and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Our licensed insurance experts are available to help via email, phone, or live chat.
Common questions about Sarasota home insurance
What’s the average cost of home insurance in Sarasota?
Florida homeowners pay an average of $9,462* annually for a standard policy for a home with a replacement value of $350,000, according to a recent study by the Consumer Federation for America. Due to its coastal location and exposure to hurricanes and flooding, Sarasota's premiums may be slightly above the state average.
What factors affect home insurance premiums in Sarasota?
Here are some factors that influence insurance rates in Sarasota:
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Replacement cost value. The more expensive it is to rebuild your home, the higher your premium will be.
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Deductibles and limits. Lower deductibles and higher coverage levels increase premiums.
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Claims history. A history of frequent claims can lead to higher rates.
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Coastal and flood exposure. Proximity to the Gulf of Mexico increases your property's risk of wind damage and can lead to higher rates.
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Home age. Historic homes common in Sarasota's older neighborhoods may be more expensive to insure due to vintage or hard-to-find parts and a higher risk of claims.
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Roof shape and materials. Older roofs or those in poor condition are generally more expensive to insure. HIP roofs and wind-rated materials can reduce premiums.
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Building codes. Homes built after 2002 may have lower rates due to stricter building standards.
- Policy add-ons. Your premium will reflect any additional coverages you add to your home, such as a flood insurance endorsement or water backup coverage.
How much home insurance do I need in Sarasota?
Homeowners in Sarasota should consider the following coverages:
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Dwelling coverage should match the cost to rebuild your property, which often differs from its market value.
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Other structures coverage is typically set to at least 10% of your dwelling coverage limit, though you may need more based on the value of any structures on your property.
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Personal property coverage limits are usually set to at least 50% of your dwelling coverage limits. However, your exact coverage needs depend on the combined value of your insurable belongings and your desired level of protection.
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Liability coverage limits should be set high enough to protect your assets, such as real estate and savings and investment accounts, if you are sued after a covered event.
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Medical payments coverage will help pay for a guest’s medical expenses regardless of who is at fault. Coverage limits typically range from $1,000 to $5,000.
What additional coverages should Sarasota homeowners consider?
Given the risks of storm surge, flooding, and wind damage, Sarasota homeowners should consider:
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Windstorm insurance (if excluded from base policy)
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Flood insurance
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Water backup coverage
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Law and ordinance coverage
Discuss your specific needs with a licensed insurer to determine which coverages suit your unique situation.
Is home insurance required in Sarasota?
The state of Florida does not mandate that homeowners carry insurance. However, if you finance your home, your mortgage lender will likely require proof of coverage before closing and for the duration of your loan term. Even without a lender requirement, home insurance is crucial in providing financial protection from severe losses, such as those caused by fire or storms.
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