Home insurance in Sarasota

Protect your home with top-rated coverage that could save you over $1,000 every year.*

Save an average of $817/year when you bundle home + auto*

• Home Only
• Home + Auto

Here’s how bundling works

You can finish your home quote online in just a few minutes. If you’d like to add auto for additional savings, a licensed agent can help with that afterward.

Start online, finish with an agent

You can finish your home quote online in just a few minutes. If you’d like to add auto for additional savings, a licensed agent can help with that afterward.

Enter your property address

Get a quote

Get affordable home insurance in 3 simple steps

Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.

Get a quote Talk to an agent

Property info

Customize your quote

Get covered

Tell us about your home.

Answer a few basic questions, and we’ll generate your home insurance quote in minutes.

Personalize your policy.

Customize your coverages, limits, and deductibles to get the protection you need at a price that fits your budget.

Get covered.

Review your quote and sign your application online. Any questions? Our licensed agents are here to help.

Protect your home from disasters big and small

The policies we offer can be customized to cover Sarasota’s top risks.

Hurricanes & tropical storms

Wind & hail damage

Tornadoes

Wildfires

Floods

Sinkholes

Theft

Vandalism

Water damage

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.

We also offer additional coverage options for water backup, fungi & mold, animal liability, identity fraud, and more.

Discounts available in Sarasota

Kin customers pay an average of $1,879 per year for $350,000 in dwelling coverage for home insurance in Florida, but you can save money by protecting your home, avoiding damage, and selecting sustainable options.

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

You get more than coverage — you get a team that follows through.

Here to help

We reach out before, during, 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

Licensed Kin agents are easy to reach and ready to listen. Contact us via email, phone, or live chat.

We've got Florida covered.

We help Floridians find coverage across the entire Sunshine State!

We sell policies in every county in Florida, including in these major cities:

• Cape Coral
• Fort Lauderdale
• Fort Myers
• Hialeah
• Jacksonville
• Miami
• Orlando
• Pembroke Pines
• Pensacola
• Port St. Lucie
• St. Petersburg
• Tallahassee
• Tampa

Common questions about Sarasota home insurance

What’s the average cost of home insurance in Sarasota?

On average, Kin customers pay $1,879 per year for $350,000 in dwelling coverage for home insurance in Florida. 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:

• Replacement cost value. The more expensive it is to rebuild your home, the higher your premium will be.
• **Deductibles and limits.**Lower deductibles and higher coverage levels increase premiums.
• Claims history. A history of frequent claims can lead to higher rates.
• Coastal and flood exposure. Proximity to the Gulf of Mexico increases your property's risk of wind damage and can lead to higher rates.
• 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.
• 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.
• 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:

• Dwelling coverage should match the cost to rebuild your property, which often differs from its market value.
• 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.
• 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.
• 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.
• 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:

• Windstorm insurance (if excluded from base policy)
• Flood insurance
• Water backup coverage
• 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.