In Ocala, Chubb offers the best home insurance, balancing affordability, customer service and coverage options. For those prioritizing price, Florida Peninsula provides the lowest premium at $196 per month.
Cheap Home Insurance in Ocala
Updated: June 17, 2025
Advertising & Editorial Disclosure
Key Takeaways
Chubb delivers the best value for homeowners in Ocala, while Florida Peninsula offers the most affordable coverage at $2,349 annually.
Home insurance in Ocala costs an average of $351 per month or $4,209 per year.
To get the best and cheapest home insurance in Ocala, determine your coverage needs beforehand, research costs and companies, and compare multiple quotes.
Best Cheap Home Insurance Companies in Ocala
| Chubb | 93 | $265 | $3,183 |
| State Farm | 88 | $255 | $3,058 |
| Florida Peninsula Insurance | 87 | $196 | $2,349 |
| Allstate | 82 | $243 | $2,912 |
| ASI | 72 | $250 | $3,002 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Ocala Home Insurance Cost?
Home insurance rates in Ocala depend on factors like your coverage level, personal profile and home details. Costs range from $88 to $1,196 per month. Review the table below to compare rates tailored to your home's age and coverage needs.
Data filtered by:Results filtered by:
Select
Age of Home:Newer Home
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $88 | $1,060 |
How to Get the Best Cheap Home Insurance in Ocala
Finding home insurance in Ocala can be challenging. We've created a simple guide to help you find the most affordable homeowners insurance tailored to your needs.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents you from being oversold by agents.
- 2
Research Cost and Discounts
Research average home insurance costs in Florida for your city and profile to gauge potential savings. Look into discounts you may qualify for, such as bundling, security systems, or claims-free history, then target companies that offer these savings.
- 3
Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit, and user review sites like Trustpilot.
- 4
Compare Many Quotes Through Multiple Means
Comparing multiple quotes on an apples-to-apples basis helps you identify the best option for your situation. Pricing also varies depending on where you get your quote. We recommend getting quotes using online tools and working with independent agents and captive agents to make sure you get the lowest price.
Best Home Insurance in Ocala: Bottom Line
The top three best and cheapest home insurance providers in Ocala are Chubb, State Farm and Florida Peninsula. While these are our recommendations, do your own research and compare multiple quotes to ensure you're getting the best deal.
Ocala Home Insurance: FAQ
Below, we answer the most common questions about home insurance in Ocala.
Who offers the best home insurance in Ocala?
We recommend Chubb as the best home insurance provider in Ocala for its competitive rates, excellent service and comprehensive coverage options. We also recommend getting quotes from State Farm, Florida Peninsula, Allstate and ASI.
Who has the cheapest home insurance in Ocala?
Florida Peninsula offers the most affordable home insurance for the average homeowner in Ocala, costing about $196 per month or $2,349 per year. Rates can vary widely depending on your coverage level and home characteristics.
What does home insurance cost in Ocala?
Home insurance costs in Ocala range from $1,060 to $14,350 annually, with coverage level and home details influencing your actual rate.
How We Decided the Best Cheap Home Insurance Companies in Ocala
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Ocala. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.