5 Best Orlando Homeowners Insurance Companies (2025)
Travelers, Security First, and Florida Peninsula are some of the best home insurance companies in Orlando.
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Written byCharlie Hope D'Anieri
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Charlie Hope D'Anieri
Charlie Hope D’Anieri is an experienced copywriter, researcher, and journalist. He has written about business formation and home and auto insurance for several years and covered agriculture and politics for outlets including The Guardian, The New Republic, and many others. A graduate of Middlebury College, he also holds a master’s degree in English Language & Literature from The University of Maryland-College Park.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
Orlando residents pay an average of $4,608 annually for homeowners insurance with $300,000 in dwelling coverage and a $1,000 deductible, Insurify data shows. This is much higher than the national average of $2,532 per year but lower than the Florida state average of $5,640.
Orlando homeowners pay higher rates due to several risks, including damage from hurricanes — specifically severe storm winds and flooding from heavy rainfall. Due to the high risk of severe weather, many insurers have decided to stop selling coverage in Florida, resulting in a smaller, more expensive homeowners insurance market.[1]
Despite the high rates, you can still find the most affordable home insurance coverage by comparing quotes from multiple insurers. Here’s what you need to know about homeowners insurance in Orlando, including how to find a great deal.
Quick Facts
Chubb, Travelers, and Security First Insurance offer some of the cheapest homeowners insurance policies in Orlando.
A standard home insurance policy can cover some damages related to hurricanes, but it might be a good idea to also purchase additional hurricane and flood insurance, depending on where you live in Orlando.[2]
Home insurance in Orlando with $300,000 in dwelling coverage and a $500 deductible costs an average of $2,228 per year.
Best home insurance companies in Orlando
A number of homeowners insurance companies serve homeowners in Orlando. The ideal home insurance company for you depends on your particular situation and unique coverage needs.
Start your search below with five of the best home insurance companies in Orlando.
Travelers: Best for cheap rates
TravelersCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $167/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $261/mo |
Compared to other home insurance companies serving Orlando, Travelers offers the lowest rates. You can get a home insurance quote online and work with a local insurance agent to find the right policy. Since the company also offers auto insurance, you may be able to save even more by bundling your policies.
Pros
Quotes available online
Many local agents in Orlando
Variety of discounts, including for recent homebuyers and green homes
Cons
Below-average J.D. Power customer satisfaction rating
Higher-than-average number of complaints filed with National Association of Insurance Commissioners (NAIC)
Low Trustpilot rating
Security First Insurance: Best for high-value homes
Orlando has several affluent neighborhoods with luxury homes, such as Windemere and Rose Isle. If you have a high-value home, coverage from Security First Insurance may make sense. The company has a Premier Homeowners (HO-5) policy geared toward Florida homeowners with a home worth between $500,000 and $2.5 million. If you invest in damage-mitigation features, you may save money on your coverage.
Pros
Many optional coverages
Special discounts for wind-mitigation features
Lower-than-average number of complaints with the NAIC
Cons
No option to bundle auto insurance
No AM Best financial strength rating
Many complaints through the Better Business Bureau (BBB)
American Integrity Insurance: Best for military personnel
Veterans make up nearly 6% of Orlando’s population. If you’re part of the military community, you might want to consider American Integrity Insurance. This Florida-based homeowners insurance company offers a discount for active and retired military members. You can even get coverage if you have a vacant home.
Pros
Vacant home coverage available
Local insurance agents
Low average premiums in Orlando
Cons
Poor customer reviews on the BBB website
Few available discounts
Other insurers that work with military families have higher customer satisfaction
Florida Peninsula Insurance: Best for local service
If in-person or personalized service is important to you, Florida Peninsula Insurance can be a good fit because the company has many local insurance agents in the Orlando area. Plus, the insurer guarantees speedy claims handling within 24–48 hours, so you won’t have to wait long to get a potential home insurance claim investigated.
Pros
Local agents in Orlando
Quick claims handling
Low average rates in Orlando
Cons
No AM Best financial strength rating
No advertised discounts
No bundling opportunities with an auto policy
Citizens Property Insurance Corporation: Best for people who don’t qualify for other coverage
With so much risk inherent in Florida homeownership, many people can’t find an insurance company that’ll write them a homeowners policy. To address this problem, the Florida Legislature created the Citizens Property Insurance Corporation. It’s meant to be a last resort for homeowners who can’t find insurance, but for the last few years, it’s been Florida’s largest home insurer.
Citizens is a critical Florida home insurance resource, but it’s transitioning policyholders back to the private market through a depopulation program. Under this program, Citizens customers’ coverage will be transferred to a private insurer, as long as the cost of the premium is no more than 20% higher than their current policy.
Pros
Provides insurance for homeowners who can’t find it elsewhere
Purpose-driven company with customer focus
Insures mobile homes, with options for extra coverage
Cons
May be forced into the private market anyway
Coverage limited compared to private market
Much higher rates than other insurers
Our editorial team analyzed regional and national home insurance companies that sell policies in Orlando to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
How much is home insurance in Orlando?
The average cost of home insurance in Orlando is $4,608 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, according to Insurify data. For comparison, the state average is $5,640 per year for the same amount of coverage.
It’s important to do your research and compare home insurance policies and premiums. Your rate will depend on various factors, such as your coverages, deductible, the size of your home, credit history, and previous home insurance claims.
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Cheapest home insurance companies in Orlando
Below, you can find Orlando’s cheapest home insurance companies based on several dwelling coverage amounts.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company  | Average Annual Premium |
|---|---|
| Chubb | $2,952 |
| State Farm | $3,600 |
| Allstate | $4,044 |
| Nationwide | $5,388 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| State Farm | $6,480 |
| Allstate | $6,924 |
| Chubb | $7,164 |
| Nationwide | $11,664 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| State Farm | $8,736 |
| Allstate | $9,276 |
| Chubb | $10,344 |
| Nationwide | $16,380 |
The state of home insurance in Florida
Unfortunately for Sunshine State homeowners, Florida’s home insurance market is in dire straits. In recent years, more than 30 companies have withdrawn from the state or gone insolvent, and companies like Farmers and Liberty Mutual are no longer writing home insurance policies in Florida.
Meanwhile, Florida is the most expensive state in the country for home insurance, and Insurify’s home insurance report projects that to remain the case for the rest of 2025. Since 2022, premiums in Florida have shot up by 40%.
Florida premiums are so high, and many companies are leaving the state or going under, largely because of hurricanes. In the last five years, hurricanes have caused hundreds of billions in damage.
But Orlando homeowners have two reasons to feel a bit of comfort. Florida’s rates aren’t increasing as quickly in 2025 as in recent years. Also, rates in Orange County are a little below the state average.
How much homeowners insurance do you need in Orlando?
Having the right amount of insurance and protection is important for homeowners in Orlando, but it can be difficult to figure out how much you need.
First, it’s important to understand what a home insurance policy covers. These are the major components of a home insurance policy and what to consider for each one:[3]
Dwelling coverage: Dwelling coverage protects you from damage to your home caused by wind and rainstorms, lightning, fire, hail, and other natural disasters. Make sure your coverage limits are at least 80% of the replacement cost value of your house. Be sure that you’re clear on what perils (causes of damage) your policy covers, which ones it doesn’t, and what happens if your home sustains damage that isn’t addressed in your policy.
Personal property coverage: Personal property coverage protects your belongings. Making a home inventory can help you determine the value of your personal items. If you have high-value items, like jewelry or collectibles, you may want higher coverage limits.
Liability coverage: Most standard policies have liability insurance limits of $100,000, but many experts recommend having limits of $300,000 or more.
Additional living expenses coverage: Loss of use coverage pays for living expenses, such as hotels and dining out, if you have to move out of your home temporarily while it’s being repaired. Many policies provide ALE coverage limits of 20% of your dwelling coverage limit.
What to know about home insurance in Orlando, FL
When you’re buying home insurance, here’s what you should consider in Orlando specifically:
Hurricanes
Hurricanes are a common occurrence in Orlando. In some cases, you may need additional coverage or an add-on policy to fully protect your home. You may need to pay a hurricane deductible in addition to a regular deductible.[4]
Floods
Orlando has a moderate risk of flooding. Since a basic home insurance policy won’t cover flood damage, consider flood insurance through the National Flood Insurance Program (NFIP) or a private insurance company. If you live in a special hazard flood zone, your mortgage lender will likely require you to get a policy.
Theft
Theft rates are higher in Orlando than in other parts of Florida.[5] A standard home insurance policy with personal property coverage will pay for theft-related home insurance claims.
Home insurance coverage for hurricanes and flooding
All Orlando homeowners need to think about the risk of hurricanes when it comes to insuring their homes. Insurance companies know that hurricane damage is a distinct possibility, and they tailor their policies accordingly. For example, your dwelling insurance might cover windstorms, but there may be exceptions for hurricane damage.
Your policy will also likely have an additional deductible for hurricane damage or windstorm damage. These deductibles kick in whenever the National Weather Service (NWS) declares a hurricane watch or warning statewide and end 72 hours after the NWS terminates the last hurricane watch or warning for any part of the state.
So even if you aren’t in the path of the hurricane, your hurricane deductible will still apply. Your hurricane deductible could be anywhere between $500 and 10% of your home’s insured value.[6]
More importantly, homeowners insurance doesn’t cover flood damage caused by a hurricane or any other natural disaster. To protect your home from floods, you need flood insurance. You can get flood insurance from the NFIP or a private insurance company.
The city of Orlando recommends that all residents consider the significant risk of flood damage caused by heavy rainfall, especially in the summer.
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How to get home insurance in Orlando
To buy a home insurance policy in Orlando, follow these steps:
1. Evaluate your insurance needs
Think about your priorities: the replacement cost of your home, the value of your possessions, and how much liability coverage you want. Consider these factors before you buy a policy so you know what to look for when getting quotes.
2. Get quotes and compare policies
Every insurance company has its strengths and drawbacks. Take the time to find a quote that matches your budget and a policy that suits your situation.
3. If you’re getting turned down for coverage, contact the Citizens Property Insurance Corporation
As Florida’s insurer of last resort for homeowners who can’t get insurance on the private market, this state-owned company has a mandate to offer every interested Floridian a homeowners policy.
4. Ask about discounts
Every insurance company has at least some discounts that it offers policyholders, including those for paperless billing and being a member of the military. Ask your insurance company which discounts you qualify for.
5. Get flood insurance
Standard homeowners policies don’t cover water damage from flooding. But it might be worth it to get a flood insurance policy.
Average cost of home insurance in other cities in Florida
Your location within Orlando will affect your home insurance rates due to variances in weather, crime rates, and proximity to fire stations among different cities. For example, if you live in an area with a particularly high flood risk, you’ll pay higher home insurance costs than people in a lower-risk area.
This table shows how annual premiums vary in other Florida cities. These rates are for home insurance policies with a $1,000 deductible and $300,000 in dwelling coverage.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
City | Average Annual Premium |
|---|---|
| Tallahassee | $3,156 |
| Gainesville | $3,180 |
| Ocala | $3,516 |
| Jacksonville | $3,600 |
| Deltona | $4,596 |
| Orlando | $4,608 |
| Lakeland | $4,716 |
| Tampa | $5,460 |
| Crestview | $5,556 |
| Palm Bay | $6,276 |
| North Port | $6,492 |
| Pensacola | $6,636 |
| Cape Coral | $7,716 |
| Naples | $9,228 |
| Port Saint Lucie | $11,880 |
| Miami | $13,740 |
| Key West | $20,172 |
Orlando homeowners insurance FAQs
The following information can help answer your remaining questions about Orlando homeowners insurance.
The average annual cost of home insurance in Orlando is $4,608 for a policy with $300,000 in dwelling coverage and a $1,000 deductible, according to Insurify data. How much you pay for home insurance will depend on your coverage limits, deductibles, ZIP code, home characteristics, insurance company, and more.
Chubb has the cheapest homeowners insurance in Orlando, with an average monthly premium of $365 for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
While the best home insurance varies from one home to another, some of our top picks include Travelers, Security First, Florida Peninsula Insurance, and Citizens Property Insurance Corporation.
Travelers has some of the cheapest homeowners insurance in Orlando, while Security First is the best option for high-value homes. For affordable rates with a local touch, try Florida Peninsula Insurance. Homeowners who can’t get private policies can use Citizens Property Insurance Corporation.
No. Florida state law doesn’t require you to have home insurance, but your mortgage company will probably require it. Even if you don’t have a mortgage, you should purchase homeowners insurance to protect your home and personal belongings.
Without insurance, you’ll face expensive out-of-pocket costs in the event of damage to your home. A home insurance policy will also cover you if someone incurs an injury on your property.
Homeowners insurance is so expensive in Florida for two main reasons: limited insurance options and risks from severe weather.
In recent years, some insurance companies have stopped writing home insurance policies in Florida. Severe weather events, including hurricanes and tropical storms, are common in Florida and can cause extensive damage through wind and storm surges.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- J.D. Power. "Home Insurer Exodus from Several States Creates Challenges and Opportunities, J.D. Power Finds."
- Insurance Information Institute. "What is covered by standard homeowners insurance?."
- NAIC. "A Consumer's Guide to Home Insurance."
- Florida Climate Center. "Hurricanes."
- Federal Bureau of Investigation. "Florida Offenses Known to Law Enforcement by City, 2019."
- III. "Background on: Hurricane and windstorm deductibles."
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Charlie Hope D'Anieri
Charlie Hope D’Anieri is an experienced copywriter, researcher, and journalist. He has written about business formation and home and auto insurance for several years and covered agriculture and politics for outlets including The Guardian, The New Republic, and many others. A graduate of Middlebury College, he also holds a master’s degree in English Language & Literature from The University of Maryland-College Park.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.