The best home insurance companies in Florida
Many quality home insurance companies serve Florida. Homeowners in the Sunshine State should consider their individual needs before choosing a policy, such as their home’s age, condition, and location.
Below is a list of some of the top insurers in the state based on common needs.
Best large insurer: State Farm
More homeowners trust State Farm than any other home insurance company in the country.[1] The company has a massive footprint in Florida, with agents in more than 100 cities. State Farm also boasts one of the highest J.D. Power scores of any insurance provider, with a customer satisfaction index rating of 829.
Pros
Many locations in Florida
High customer satisfaction
Offers home and auto bundles
Cons
Not the most affordable option
Checks credit scores, so not the best option for those with low credit scores
No small boutique provider experience
Best insurer for cheap rates: Stillwater
Stillwater Insurance has several locations in Florida and offers some of the most affordable rates in the state. J.D. Power hasn’t calculated a customer satisfaction score for Stillwater, but the provider boasts an A+ from the Better Business Bureau and an A- financial strength grade from A.M. Best.[2]
Pros
Average rate is lower than most in Florida
Plenty of home insurance discounts
High financial strength ratings
Cons
Inconsistent customer experience
No locations in major cities like Miami
Average rate just barely below an already high state average
Best for hurricane coverage: Amica
Amica boasts an excellent J.D. Power score of 849, which is the highest in the country. Amica’s Standard Choice policy (HO-3) covers damage from wind, making it the right choice for hurricane coverage. This provider has regional offices in Tampa and Orlando.
Cons
Not the most affordable option
Only two offices in Florida
Some mixed customer reviews
Best insurer for high-value homes: Allstate
Allstate is the second-largest homeowners insurance provider in the country in terms of market share[1] and has an excellent J.D. Power score of 815. This provider has several locations across Florida and provides windstorm coverage, which makes it a good option for Floridians covering high-value dwellings.
Cons
Not the most affordable option
Some mixed customer reviews
No boutique provider experience
Best regional insurance company: American Integrity
American Integrity offers robust homeowners insurance policies in Florida. While J.D. Power hasn’t calculated a customer satisfaction score for American Integrity, the provider has an exceptional A Financial Stability Rating from Demotech, Inc.[3]
Cons
Average rate exceeds state average
Small provider, which means fewer customer reviews to reference
Provides only private flood insurance (not NFIP flood insurance)
Methodology
To evaluate home insurance companies, Insurify data scientists and editorial team analyze multiple factors that reflect a company’s quality, reliability, and financial health. We consider industry ratings and information from sources like A.M. Best, Standard & Poor’s, Moody’s and Fitch, and J.D. Power. We evaluate customer service and satisfaction data, customer reviews, NAIC complaint indexes, claims payout rates, company reputation and proprietary quoting data.