Home Insurance Rates Gainesville, FL

The below charts show average home insurance rates for homes in Gainesville, Florida. Please keep in mind these rates are estimates for owner occupied (primary residences) in Alachua County ONLY and may vary by company, property and/or by owner. These rates do not apply to mobile homes or rental properties.

“Red flag” items are listed below each chart. These items may increase the cost of the insurance coverage or make the home unable to insure.

A blue circle with an image of a bag.



A blue circle with an image of a bag.

Benefits of having Florida Blue in Gainesville, FL

Choosing your health insurance plan/provider can be a daunting and confusing task; however, there are many benefits to having health insurance, with Florida Blue. As the health insurance market has transitioned as a result of the Affordable Care Act (ACA) more providers have become available in Gainesville and Alachua county. While the plans may be comparable, the benefits of one provider over another may relate to additional services, such as those that Florida Blue provides (listed below):

  1. Plan Options/Choices: Florida Blue offers just under 20 health plan options for individuals under the age of 65 in 2015. About half of the plans are HMO* and half are PPO** plans. In addition to individual health insurance policies for individuals 64 years of age and younger, Florida Blue also offers Medicare supplements, dental, vision, group health insurance plans and temporary individual plans.
  2. Large doctor/provider network: In Alachua County, Florida Blue has a variety of in-network doctors, dentists and providers. To determine if your doctor is in network, check out our blog “Does my doctor accept Florida Blue insurance?â€
  3. Value added services: If you are insured by Florida Blue, there are a variety of tools and services to compare medical costs and drug prices, discounts and rewards.

Check out this Florida Blue member discounts video for more details:

*HMO: Health Maintenance Organization

**PPO: Preferred Provider Organization


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