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Florida Homeowners Insurance Quotes (2022)

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Tanveen Vohra

By: Tanveen Vohra

Edited by John Leach

Updated February 25, 2022

Average Cost of Home Insurance in Florida

According to 2021 rates, the average cost of homeowners insurance in Florida is $3585 per year and $299 per month. Florida homeowners insurance rates ar e$ 2187 per year more then the national average and about 156% more annually. When compared to the other US states that makes the cost of homeowners insurance in Florida the most expensive in the country, based on 2021 data.

For shoppers, the best way to find a homeowners insurance policy in Florida is to evaluate all of the quotes from individual insurance providers and then decide on the policy that fits your requirements and budget level. Fortunately finding the right homeowners insurance coverage is easy with a tool like Insurify.

Insurify provides easy and fast home insurance quote comparisons for all kinds of homeowners nationwide. Insurify has helped thousands of customers receive accurate homeowners quotes for your property in Florida in minutes.

Florida Average Homeowners Insurance Rates The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Average Cost Per Month$299
Average Annual Premium$3585
State Rank (Most Expensive)1st

Cheapest Home Insurance Companies in Florida

For homeowners in Florida, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for your home.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Florida. The following are the best insurance rates from carriers that offer homeowners insurance in Florida.

Cheapest CompaniesQuotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Stillwater$2,202
Castle Key$2,831
Liberty Mutual$3,249
State Farm$3,567
Florida Family$3,425

How to Get Affordable Home Insurance in Florida

Buying a home may be one of the largest financial investments of your lifetime. With that investment, inevitably, comes risk. However, there are steps homeowners can take to minimize risk and protect their investment, including finding the right home insurance policy.

The first step to protecting your property is homeowners insurance. Though not required by law, home insurance provides financial liability for your property and belongings from natural disasters or theft. Different coverage levels are available for different property types, locations, and other factors.

Keep reading for a full guide on Florida home insurance.

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Florida Homeowners Insurance Rates by Company

Homeowners insurance rates aren’t always designed with savings in mind. That’s where Insurify comes in.

The price of homeowners insurance varies greatly from city to city. The following quotes are general estimates of annual home insurance premiums throughout Florida. The following home insurance companies offer different coverage levels. Some insurance carriers even offer bundling options for your home and auto insurance.

As of 2021, the average home insurance premium in Florida costs $1,410 annually, and the median home value is $252,309.

That's a pretty penny. How can you be expected to pay all of these costs (vital as they are) and still provide for you and your family?

Insurify allows homeowners to compare quotes from numerous homeowners insurance companies simultaneously.

Average Annual Home Insurance Premium in Florida by Company

Average prices for standard homeowners insurance for a 7-15 year old home, $200,000 in coverage

Stillwater
$2,202
Castle Key
$2,831
Liberty Mutual
$3,249
Florida Family
$3,425
State Farm
$3,567

Home Insurance Rates in Florida Cities

Like property costs, home insurance varies in price from city to city. Pricing is determined on ZIP code-specific variables such as the volume of claims filed nearby, crime rates, property costs, and risk variables such as natural disaster frequency. Even your specific neighborhood may determine if you pay more or less on our annual premiums.

Buying and insuring a home comes with loads of unexpected costs and new living expenses. How can you be expected to pay all of these costs—vital as they are—and still provide for you and your family?

Homeowners insurance rates aren’t designed with savings in mind. That’s where Insurify comes in.

Rates in Florida can be relatively high or low compared to the national average—it all depends on which town you live in, though, overall, Florida has some of the most expensive real estate in the country. Here are the most and least expensive ZIP codes in Florida to buy and insure a home. Average rates within these ZIP codes tend to increase relative to property cost. In wildfire- or earthquake-prone areas, rates are often higher.

CountyAverage Annual Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Brevard County$2,865
Broward County$5,922
Duval County$1,829
Hillsborough County$2,956
Lee County$3,054
Miami-Dade County$7,033
Orange County$2,317
Palm Beach County$5,230
Pinellas County$3,145
Polk County$2,391
Sarasota County$2,697

What does home insurance cover in Florida?

There are several types of home insurance. Specific terms of insurance policies may vary by state, but in general, the standard policy types are as follows:

  • The simplest and least comprehensive type of homeowners insurance.

    Provides coverage for a handful of potential problems including:

    • Natural disasters (storms, fires, wind lightning, volcanic eruption)
    • Explosions
    • Theft
    • Damage from vehicles
    • Civil commotion
  • Broad form homeowners insurance policies include all basic form coverage, plus:

    • Protection from falling objects
    • Damage from the weight of ice, snow, or sleet
    • Freezing of household systems including HVAC and pipes
    • Sudden and accidental damage to pipes and other household systems from artificially generated electrical current
    • Accidental discharge or overflow of water or steam
    • HO-2 policies typically cover both dwelling protection and personal property.
    • In some cases, broad form coverage may also include liability coverage. However, it still only covers the specific damages listed in the policy.
    • The most common form of homeowners insurance is known as a “special form” policy.
    • While HO-1 and HO-2 policies are “named peril” policies (meaning they only cover dangers that are specifically listed in the policy), HO-3 policies are “open peril” policies meaning they’ll cover all dangers except those specifically excluded in the policy documents.
    • HO-4 policies, also known as renters insurance, are for people who lease rather than own their homes.
    • Tenant’s form policies typically cover all the same dangers as HO-2 policies.
    • Tenant’s form policies typically cover all the same dangers as HO-2 policies.
    • These policies include personal property coverage and liability coverage but don’t cover the physical structure of the house.
    • Some HO-4 policies may also include loss of use coverage for the tenants.
    • Comprehensive form policies are usually the broadest and provide the highest level of coverage; not surprisingly, they also tend to be the most expensive type of homeowners insurance policies.
    • The biggest difference between HO-3 and HO-5 policies is that most HO-3 policies are “actual cash value” policies, whereas typically HO-5 policies are “replacement cost value” policies.
    • An actual cash value policy will only reimburse you for the actual value of a damaged or destroyed item, while a replacement cost value policy will reimburse you for however much it would cost to completely replace or repair the damaged or destroyed item (up to the coverage limits on the policy).
    • HO-5 policies also provide personal property coverage against a wider range of dangers than the typical HO-3 policy. Many HO-5 policies also have extra coverage for high-value personal property such as jewelry and artwork.
    • Not surprisingly, condo form insurance is for condominium owners. HO-6 policies generally protect against the same types of dangers as HO-3 policies.
    • They provide dwelling protection coverage with a twist: HO-6 policies cover the walls, floors, and ceiling of the condo unit but not the rest of the building.
    • These policies also include personal property and liability coverage and may include loss of use coverage.
    • If you own a mobile home or manufactured home, you likely have an HO-7 policy.
    • Mobile home form policies are typically identical to HO-3 policies, except they’re designed specifically for mobile and manufactured homes.
    • Like HO-3 policies, they provide dwelling protection coverage, other structures coverage, personal property coverage, liability coverage, and possibly loss of use coverage as well.
    • HO-7 policies generally only protect the home when it’s stationary; if you plan to move your mobile or manufactured home, you’ll need to get a special policy to cover it while it’s in transit.
    • Older homes have generally been built to less stringent code standards than recently built homes, and so insurers have designed a specialized type of homeowners insurance policy for them.
    • HO-8 policies often only cover the basic perils listed in HO-1 policies and generally apply to homes that are registered landmarks or otherwise deemed historic homes.
    • Owners of registered landmarks are typically forbidden from making the updates to HVAC, electrical, and other parts of the home to enable them to qualify for a standard HO-3 policy, so an HO-8 policy is often the only option for them.

Mobile Home Coverage in Florida

HO-7 type coverage is the best option for mobile homeowners. Even though home insurance, in general, is not mandatory in the state, mortgage lenders will require some sort of proof of insurance as a prerequisite to a loan.

Similar to traditional home insurance, mobile home insurance protects your investment from a plethora of risks, including dwelling coverage, personal property, and liability protection in case of an accident or natural disaster. Mobile home coverage levels can be higher than those of a traditional home, likely because mobile homes are more susceptible to damage in times of storms or other circumstances. Depending on the level of coverage you choose when insuring your mobile home, your annual premiums may fluctuate.

Coverage for Natural Disasters

As Florida residents know all too well, natural disasters can be catastrophic to family’s property and livelihoods. In the so-called Sunshine State especially, homeowners and renters alike face floods and hurricanes each season. Wind damage? Flood damage? Hurricane damage? Hurricane deductibles?! What’s covered and what’s not when it comes to homeowners policies and natural disasters in Florida? When it comes to property damage due to uncontrollable circumstances, your level of coverage will determine how much your property is actually protected through your policy.

With such risk, home insurance providers often charge higher premiums to cover potential disasters like the recent Hurricane Irma. That being said, with the right tools, you may still be able to find competitive home insurance rates in your area. To compare the best homeowners insurance companies, use Insurify to compare home insurance quotes all in one place.

Special Home Insurance Situations in Florida

Unique elements of your home may affect homeowners insurance prices. Check out these quotes for some special situations that may impact your home insurance in Florida.

Cheapest Home Insurance for Houses Near the Coastline in Florida

Beachside living is wonderful. But the risk a nearby coastline may present to your home could end up increasing your home insurnace rates. The closer you are to the shore, the more at risk your property is to flooding. This will be reflected in your homeowners insurance rate.

Insurance CompanyAverage Annual Premium The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Nationwide$822
State Farm$1,021
United P&C$1,187
ASI$953

Cheapest Home Insurance for Houses With Swimming Pools in Florida

Swimming pools fall under a category called attractive nuisances. Sure, they offer a fun way to cool off during warm summer months, but they also pose a major injury risk. For that reason, having a swimming pool in your yard could increase rates.

Insurance CompanyAverage Annual Premium The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
American Integrity$947
Bankers Insurance$1,379
Florida Farm Bureau$433
Homeowners Choice$1,525

Enjoy the Sunshine State even more knowing your Florida property is protected from anything life may throw it's way.

How to Find the Cheapest Home Insurance in Florida

Just like groceries or clothes shopping, you can find a good bargain on home insurance without sacrificing sufficient coverage to protect your property investment. Protect your home from water damage to burglars, and everything in between. With a little research and the right tools, you’ll be on your way to big savings.
Use Insurify to compare free quotes for home insurance premiums for your property in Florida.

Frequently Asked Questions

  • Due to the increased commonality of natural disasters involving high winds and flooding, Florida has higher-than-average home insurance premiums. When insurance companies take on increased risk, as they do in flood-prone areas of Florida, they increase their chances of needing to pay-out customers when disaster strikes. There are ways, though, that you can cut home insurance costs, even if you live on the water. Different levels of liability insurance, including property insurance and personal liability levels may make Use Insurify to compare premiums in your area.

  • Yes, USAA insures home in Florida. However, policyholders must be active military members, veterans, or the family members of those in the armed forces.

  • Short answer: it depends. Of course, in times of crisis, like hurricanes or flooding, many of your neighbors will also be filing claims with their insurance companies, crowding the systems, and slowing down the claims process. The amount of time it takes to file a claim in Florida will vary from case to case. To find the best home insurance companies in your area, use insurify to compare reviews and quotes.

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Tanveen Vohra
Tanveen Vohra
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Editorial Manager

Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.

Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

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