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Florida homeowners insurance

By Posted : March 29, 2017

Here you will find out everything you need to know to buy home insurance in Florida. We provide average Florida homeowners insurance rates by coverage level, ZIP code and company and explain coverage for hazards that are common in the Sunshine State. You’ll also learn how much Florida home insurance coverage you need for your particular situation.That means you’ll know what to expect when shopping for Florida homeowners insurance – and you won’t overpay for it.

Let Insurance.com help you find affordable home insurance now.

Whether you’re a new homeowner buying insurance or you’re shopping your existing policy, it’s wise to know the home insurance basics about coverage to ensure you’re shielded from big financial losses if calamity ensues. For more information, check out the “Home Insurance Resources” articles on the left.

Home insurance: Florida rates by coverage level and deductible, ZIP code and company

Here we will provide information on:

  • Homeowners insurance: Florida rates for 75 coverage levels
  • What deductible and liability limits provide the cheapest Florida homeowners insurance?
  • Florida homeowners insurance rates by ZIP code
  • Florida home insurance rates by company
  • Who has the cheapest Florida home insurance?
  • Home insurance: Florida rates by company for six coverage levels
  • Best Florida home insurance companies
  • Florida home insurance FAQ

What is the average cost of home insurance in Florida?

Florida is the most expensive state for home insurance. Its average rate is $3,575, which is nearly $2,350 more than the national average of $1,228 for the coverage level of:

  • $200,000 dwelling coverage
  • $1,000 deductible
  • $100,000 liability

When buying a homeowner insurance policy, you decide the coverage amount for the following:

  • dwelling
  • liability
  • medical payments

The limits of your coverage for the following are typically a set percentage of your dwelling coverage limit as shown below:

  • other structures – 10 percent
  • personal property – 50 percent
  • loss of use – 20 percent

A deductible is the fee you pay before your insurance kicks in. For example, if your home is damaged to the tune of $3,000 and you have a $500 deductible, you will need to pay the first $500 out of pocket before your insurance coverage pays the balance of $2,500.

Some deductibles are based on dollar amounts, such as $500 or $1,000. Others are based on a percentage of your home's value. If your home is insured for $200,000 and your deductible is 2 percent, you will owe $4,000 before insurance coverage kicks in.

You  choose a home insurance deductible amount, which applies to claims for damage to your home or belongings, but not if you’re sued or a medical claim is filed by someone injured in your home. Deductibles are typically in the amounts of $500, $1,000, $1,500, $2,000 and $2,500.

Homeowners insurance: Florida rates for 75 coverage levels

When buying home insurance, you should insure your home based on its replacement cost, which is the amount you need to rebuild it if damaged or destroyed, and not its market value, which is what you could sell your home for in its current condition. Replacement cost offers more protection because the cost of building a home often exceeds its market value.

When shopping for a policy, you will have to choose a “dwelling coverage” amount. You should select a dwelling coverage limit that best matches the cost to repair damage to your home or rebuild it completely at equal quality — at current prices. This can be an arduous task, so using online calculators or hiring an appraiser to give you a replacement cost valuation will save you time.

Here we show the average cost of Florida homeowners insurance for 75 coverage levels, based on a rate analysis by Insurance.com. Enter a dwelling coverage from $200,000, $300,000, $400,000, $500,000 or $600,000. You will see annual average rates based on five deductible amounts (from $500 to $2,500) for each liability limit of $100,000, $300,000 and $500,000.

Coverage levelAnnual average rate
$200,000 with $500 Deductible and $100,0000 Liability $3,838
$200,000 with $1,000 Deductible and $100,000 Liability $3,575
$200,000 with $1,500 Deductible and $100,000 Liability $3,515
$200,000 with $2,000 Deductible and $100,000 Liability $3,246
$200,000 with $2,500 Deductible and $100,000 Liability $3,164
$200,000 with $500 Deductible and $300,000 Liability $3,854
$200,000 with $1,000 Deductible and $300,000 Liability $3,591
$200,000 with $1,500 Deductible and $300,000 Liability $3,531
$200,000 with $2,000 Deductible and $300,000 Liability $3,262
$200,000 with $2,500 Deductible and $300,000 Liability $3,179
$200,000 with $500 Deductible and $500,000 Liability $3,860
$200,000 with $1,000 Deductible and $500,000 Liability $3,596
$200,000 with $1,500 Deductible and $500,000 Liability $3,537
$200,000 with $2,000 Deductible and $500,000 Liability $3,268
$200,000 with $2,500 Deductible and $500,000 Liability $3,185
$300,000 with $500 Deductible and $100,000 Liability $5,569
$300,000 with $1,000 Deductible and $100,000 Liability $5,191
$300,000 with $1,500 Deductible and $100,000 Liability $5,104
$300,000 with 2$,000 Deductible and $100,000 Liability $4,813
$300,000 with $2,500 Deductible and $100,000 Liability $4,782
$300,000 with $500 Deductible and $300,000 Liability $5,585
$300,000 with $1,000 Deductible and $300,000 Liability $5,207
$300,000 with $1,500 Deductible and $300,000 Liability $5,120
$300,000 with $2,000 Deductible and $300,000 Liability $4,829
$300,000 with $2,500 Deductible and $300,000 Liability $4,797
$300,000 with $500 Deductible and $500,000 Liability $5,591
$300,000 with $1,000 Deductible and $500,000 Liability $5,213
$300,000 with $1,500 Deductible and $500,000 Liability $5,126
$300,000 with $2,000 Deductible and $500,000 Liability $4,834
$300,000 with $2,500 Deductible and $500,000 Liability $4,803
$400,000 with $500 Deductible and $100,000 Liability $7,381
$400,000 with 1000 Deductible and $100,000 Liability $6,894
$400,000 with $1,500 Deductible and $100,000 Liability $6,782
$400,000 with 2000 Deductible and $100,000 Liability $6,390
$400,000 with $2,500 Deductible and $100,000 Liability $6,224
$400,000 with $500 Deductible and $300,000 Liability $7,397
$400,000 with $1,000 Deductible and $300,000 Liability $6,910
$400,000 with $1,500 Deductible and $300,000 Liability $6,798
$400,000 with $2,000 Deductible and $300,000 Liability $6,406
$400,000 with $2,500 Deductible and $300,000 Liability $6,240
$400,000 with $500 Deductible and $500,000 Liability $7,403
$400,000 with $1,000 Deductible and $500,000 Liability $6,916
$400,000 with $1,500 Deductible and $500,000 Liability $6,803
$400,000 with $2,000 Deductible and $500,000 Liability $6,412
$400,000 with $2,500 Deductible and $500,000 Liability $6,245
$500,000 with $500 Deductible and $100,000 Liability $9,124
$500,000 with $1,000 Deductible and $100,000 Liability $8,536
$500,000 with $1,500 Deductible and $100,000 Liability $8,406
$500,000 with $2,000 Deductible and $100,000 Liability $7,917
$500,000 with $2,500 Deductible and $100,000 Liability $7,713
$500,000 with $500 Deductible and $300,000 Liability $9,140
$500,000 with $1,000 Deductible and $300,000 Liability $8,552
$500,000 with $1,500 Deductible and $300,000 Liability $8,422
$500,000 with $2,000 Deductible and $300,000 Liability $7,933
$500,000 with $2,500 Deductible and $300,000 Liability $7,729
$500,000 with $500 Deductible and $500,000 Liability $9,146
$500,000 with $1,000 Deductible and $500,000 Liability $8,557
$500,000 with $1,500 Deductible and $500,000 Liability $8,427
$500,000 with $2,000 Deductible and $500,000 Liability $7,938
$500,000 with $2,500 Deductible and $500,000 Liability $7,734
$600,000 with $500 Deductible and $100,000 Liability $10,877
$600,000 with $1,000 Deductible and $100,000 Liability $10,188
$600,000 with $1,500 Deductible and $100,000 Liability $10,038
$600,000 with $2,000 Deductible and $100,000 Liability $9,450
$600,000 with $2,500 Deductible and $100,000 Liability $9,209
$600,000 with $500 Deductible and $300,000 Liability $10,893
$600,000 with $1,000 Deductible and $300,000 Liability $10,204
$600,000 with $1,500 Deductible and $300,000 Liability $10,054
$600,000 with $2,000 Deductible and $300,000 Liability $9,466
$600,000 with $2,500 Deductible and $300,000 Liability $9,225
$600,000 with $500 Deductible and $500,000 Liability $10,899
$600,000 with $1,000 Deductible and $500,000 Liability $10,209
$600,000 with $1,500 Deductible and $500,000 Liability $10,060
$600,000 with $2,000 Deductible and $500,000 Liability $9,472
$600,000 with $2,500 Deductible and $500,000 Liability $9,231

What deductible and liability limits provide the cheapest Florida homeowners insurance?

Let’s take a closer look at the average Florida homeowners insurance rates by coverage level. As you’ll see in the chart above, the cheapest Florida home insurance rates are those with the highest deductible amount and lowest liability limit. Let’s look just at dwelling coverage of $200,000 as an example, outlined below. The premium with a deductible of $2,500 – the highest-- with $100,000 liability limits – the lowest -- is $3,164. That’s $674 less than the same policy with a $500 deductible.

$200,000 dwelling/$100,000 liability

Rate

$2,500 Deductible

$3,164

$2,000 Deductible

$3,246

$1,500 Deductible

$3,515

$1,000 Deductible

$3,575

$500 Deductible

$3,838

Florida homeowners insurance rates by ZIP code

ZIP codes in the Florida Keys and Miami are among the most expensive places to insure a home in Florida. Insurance.com analyzed home insurance rates from major insurance companies in nearly every ZIP code in Florida.

For $200,000 dwelling coverage with a $1,000 deductible and $100,000 liability limits, the average rate of $8,918 in Miami ZIP code 33132 is not only the highest for the city, but is among the highest in the country. All of Tallahassee’s ZIP codes came in with rates around $1,200, and are the cheapest Florida home insurance rates by ZIP code.

By entering your ZIP code in the search box at the top of the table below, you’ll see the average home insurance rate for that area, as well as the highest and lowest premium fielded from major insurers. Rates are for coverage of $200,000 dwelling, $1,000 deductible and $100,000 liability. This will give you an idea of how much you can save by comparing home insurance rates, whether you have a modest home inland or a high-end house near the beach. For example, the highest rate ($2,381) for Gainesville ZIP 32606 is $1,466 more than the lowest ($915). That means you can save nearly $1,500 just by comparing rates and shopping around.

ZIP codeCityAverage annual rateHighest annual rateLowest annual rate
33050 Conch Key $11,702 $21,575 $3,919
33042 Big Torch Key $11,684 $21,575 $3,919
33043 Big Pine Key $11,684 $21,575 $3,919
33040 Big Coppitt Key $11,599 $23,683 $3,919
33070 Key Largo $11,487 $21,575 $3,919
33037 Key Largo $11,455 $21,575 $3,919
33036 Islamorada $11,423 $21,575 $3,919
33154 Bal Harbour $9,625 $15,850 $3,905
33160 Aventura $9,070 $15,850 $3,905
33149 Key Biscayne $8,941 $15,850 $3,905
33132 Miami $8,918 $15,850 $3,905
33180 Aventura $8,500 $15,786 $3,986
33129 Miami $8,393 $15,379 $3,905
33131 Miami $8,381 $15,379 $3,905
33035 Homestead $8,297 $15,850 $3,632
33435 Boynton Beach $8,293 $12,687 $3,069
33137 Miami $8,291 $14,754 $3,905
33487 Boca Raton $8,275 $12,687 $3,069
33432 Boca Raton $8,255 $12,687 $3,069
33109 Miami $8,221 $15,850 $3,905
33119 Miami $8,212 $15,850 $3,905
33140 Miami $8,212 $15,850 $3,905
33141 Miami $8,212 $15,850 $3,905
33111 Miami $8,171 $15,850 $3,905
33431 Boca Raton $8,156 $12,687 $3,069
33158 Coral Gables $8,118 $15,379 $3,632
33156 Coral Gables $8,100 $15,379 $3,632
33143 Coral Gables $7,910 $14,754 $3,632
33112 Miami $7,894 $15,850 $3,446
33116 Miami $7,886 $15,850 $3,888
33483 Boca Raton $7,871 $12,687 $3,069
33441 Deerfield Beach $7,864 $13,638 $2,396
33306 Fort Lauderdale $7,808 $13,338 $3,649
33130 Miami $7,743 $11,914 $3,986
33308 Fort Lauderdale $7,722 $13,638 $2,396
33009 Hallandale $7,702 $13,638 $3,649
33136 Miami $7,686 $11,914 $3,986
33033 Homestead $7,669 $13,857 $3,632
33128 Miami $7,666 $11,914 $3,986
33151 Miami $7,662 $11,914 $4,485
33301 Fort Lauderdale $7,661 $13,338 $3,649
33127 Miami $7,658 $11,914 $3,986
33139 Carl Fisher $7,647 $15,850 $3,632
33163 Miami $7,621 $11,914 $3,905
33477 Jupiter $7,615 $12,687 $3,245
33159 Miami $7,602 $11,914 $3,905
33153 Miami $7,597 $11,914 $3,905
33480 Lake Worth $7,583 $12,687 $3,245
33305 Fort Lauderdale $7,575 $13,638 $2,396
33004 Dania $7,562 $13,638 $3,649
33304 Fort Lauderdale $7,531 $13,638 $2,396
33245 Miami $7,526 $10,963 $4,485
33239 Miami $7,514 $10,963 $3,905
33125 Miami $7,498 $11,914 $3,986
33334 Fort Lauderdale $7,497 $13,338 $3,649
33179 Andover $7,492 $11,914 $3,986
33101 Miami $7,488 $10,963 $4,485
33408 Juno Beach $7,483 $12,687 $3,245
33231 Miami $7,473 $10,963 $3,905
33469 Jupiter $7,467 $12,687 $3,245
33336 Fort Lauderdale $7,465 $13,338 $3,907
33162 Golden Glades $7,463 $11,914 $3,986
33233 Miami $7,461 $10,963 $3,905
33181 Golden Glades $7,445 $11,914 $3,632
33133 Coconut Grove $7,441 $11,914 $3,632
33138 El Portal $7,432 $11,914 $3,632
33114 Coral Gables $7,424 $15,850 $3,632
33161 Biscayne Park $7,402 $11,914 $3,632
33164 Miami $7,402 $11,914 $3,986
33238 Miami $7,375 $10,963 $4,485
33242 Miami $7,363 $10,963 $4,485
33152 Miami $7,332 $11,914 $3,446
33197 Miami $7,292 $10,963 $3,905
33243 Miami $7,292 $10,963 $3,905
33257 Miami $7,292 $10,963 $3,905
33189 Cutler Ridge $7,289 $11,914 $3,632
33146 Coconut Grove $7,285 $11,914 $3,632
33157 Cutler $7,272 $11,914 $3,632
33134 Coral Gables $7,250 $11,914 $3,632
33188 Miami $7,214 $10,963 $3,570
33404 Lake Park $7,204 $12,687 $3,409
33102 Miami $7,196 $10,963 $3,446
33122 Miami $7,196 $10,963 $3,446
33182 Miami $7,196 $10,963 $3,446
33247 Miami $7,196 $10,963 $3,446
33265 Miami $7,196 $10,963 $3,446
33299 Miami $7,196 $10,963 $3,446
33174 Miami $7,188 $10,963 $3,390
33269 Miami $7,188 $10,963 $3,390
33462 Atlantis $7,181 $12,687 $3,245
33126 Miami $7,179 $10,963 $3,826
33165 Miami $7,172 $10,963 $3,281
33194 Miami $7,172 $10,963 $3,281
33266 Miami $7,164 $10,963 $3,225
33187 Miami $7,159 $10,963 $3,688
33184 Miami $7,157 $10,963 $3,174
33337 Fort Lauderdale $7,153 $13,338 $3,071
33199 Miami $7,143 $10,963 $3,075
33145 Coral Gables $7,025 $11,914 $3,632
33150 El Portal $7,001 $11,914 $3,632
33142 Brownsville $6,989 $11,914 $3,632
33168 Golden Glades $6,989 $11,914 $3,632
33147 Brownsville $6,987 $11,914 $3,826
33167 Golden Glades $6,987 $11,914 $3,826
33019 Dania $6,977 $13,638 $2,396
33032 Goulds $6,943 $11,914 $3,632
33170 Cutler Ridge $6,939 $11,914 $3,632
33054 Bunche Park $6,933 $11,914 $3,446
33169 Andover $6,925 $11,914 $3,390
33124 Coral Gables $6,896 $10,963 $3,632
33190 Cutler Ridge $6,888 $11,914 $3,632
33135 Coral Gables $6,887 $11,914 $3,632
33002 Hialeah $6,883 $10,963 $3,390
33010 Hialeah $6,883 $10,963 $3,390
33011 Hialeah $6,883 $10,963 $3,390
33012 Hialeah $6,883 $10,963 $3,390
33017 Hialeah $6,883 $10,963 $3,390
33261 Biscayne Park $6,877 $10,963 $3,632
33016 Hialeah $6,876 $10,963 $3,339
33256 Kendall $6,845 $10,963 $3,632
33296 Kendall $6,845 $10,963 $3,632
33280 Aventura $6,841 $10,963 $3,632
33039 Homestead $6,816 $11,914 $3,632
33031 Homestead $6,815 $10,963 $3,632
33234 Coral Gables $6,797 $10,963 $3,632
33074 Lighthouse Point $6,790 $10,963 $3,632
33056 Andover $6,789 $10,963 $3,390
33013 Hialeah $6,789 $10,963 $3,225
33155 Coral Gables $6,758 $11,914 $3,632
33176 Cutler $6,747 $11,914 $3,632
33034 Flamingo Lodge $6,729 $10,963 $3,632
33030 Florida City $6,712 $10,963 $3,626
33177 Cutler Ridge $6,712 $10,963 $3,626
33455 Hobe Sound $6,711 $9,935 $3,858
33255 Ludlam $6,694 $10,963 $3,632
33092 Homestead $6,691 $10,963 $3,632
33193 Hammocks $6,656 $10,963 $3,626
33196 Hammocks $6,656 $10,963 $3,626
33186 Hammocks $6,630 $10,963 $3,446
33014 Carol City $6,622 $10,963 $3,390
33015 Carol City $6,622 $10,963 $3,390
33172 Doral $6,622 $10,963 $3,390
33178 Doral $6,622 $10,963 $3,390
33175 Kendale Lakes $6,615 $10,963 $3,339
33018 Country Club $6,607 $10,963 $3,281
33401 West Palm Beach $6,600 $10,872 $3,245
33166 Doral $6,599 $10,963 $3,225
33183 Kendale Lakes $6,599 $10,963 $3,225
33185 Kendale Lakes $6,599 $10,963 $3,225
33090 Homestead $6,594 $10,963 $3,632
33144 Coral Gables $6,585 $10,963 $3,626
33173 Glenvar Heights $6,559 $10,963 $3,446
33283 Kendall $6,551 $10,963 $3,390
33055 Carol City $6,544 $10,963 $3,339
33021 Hollywood $6,538 $10,688 $3,649
34957 Hutchinson Island So $6,517 $9,332 $4,125
33394 Fort Lauderdale $6,501 $10,688 $3,907
33403 Lake Park $6,493 $10,872 $3,245
33023 Hollywood $6,484 $10,688 $3,533
33460 Lake Clarke Shores $6,451 $9,621 $3,245
33444 Boca Raton $6,440 $9,621 $3,069
33405 Lake Clarke Shores $6,439 $9,621 $3,245
33426 Boynton Beach $6,401 $9,566 $3,069
33407 Mangonia Park $6,391 $9,489 $3,409
33486 Boca Del Mar $6,390 $9,489 $3,069
33064 Collier Manor-Cresth $6,367 $13,338 $3,069
33316 Dania $6,363 $13,638 $2,396
34949 Fort Pierce $6,317 $9,332 $3,098
32963 Indian River Shores $6,311 $11,346 $3,098
33410 Jupiter $6,299 $9,489 $3,245
33060 Collier Manor-Cresth $6,292 $13,338 $3,069
33445 Boynton Beach $6,274 $9,489 $3,069
33315 Dania $6,239 $13,338 $3,069
34996 Jensen Beach $6,207 $9,935 $3,510
33025 Hollywood $6,195 $10,688 $3,261
33027 Hollywood $6,177 $10,688 $3,312
33029 Hollywood $6,177 $10,688 $3,312
33332 Fort Lauderdale $6,177 $10,688 $3,312
33351 Fort Lauderdale $6,170 $10,688 $3,261
33327 Fort Lauderdale $6,156 $10,688 $3,162
33499 Boca Raton $6,149 $8,220 $3,245
33388 Fort Lauderdale $6,149 $10,688 $3,111
33322 Fort Lauderdale $6,143 $10,688 $3,071
33406 Cloud Lake $6,136 $8,526 $3,245
33461 Atlantis $6,136 $8,526 $3,245
33436 Aberdeen $6,099 $8,526 $3,069
33062 Collier Manor-Cresth $6,085 $13,638 $2,396
33409 Golfview $6,075 $8,526 $2,981
33020 Dania $6,053 $13,338 $3,069
33458 Jupiter $5,912 $8,526 $3,090
33476 Pahokee $5,881 $9,489 $2,433
33464 Boca Raton $5,871 $7,333 $3,245
33449 Lake Worth $5,787 $7,896 $2,684
34997 Palm City $5,781 $8,031 $2,806
34994 Jensen Beach $5,772 $8,031 $2,740
33484 Delray Beach $5,771 $7,818 $3,069
33433 Boca Del Mar $5,735 $7,818 $3,069
33434 Boca Raton $5,735 $7,818 $3,069
33496 Boca Raton $5,735 $7,818 $3,069
34952 Port St. Lucie $5,723 $10,165 $3,342
34982 Fort Pierce $5,702 $10,165 $3,198
33438 Bryant $5,700 $8,526 $2,130
33437 Aberdeen $5,689 $7,333 $3,069
33446 Delray Beach $5,689 $7,333 $3,069
34950 Fort Pierce $5,688 $10,165 $3,099
33472 Boynton Beach $5,686 $7,896 $1,978
33473 Boynton Beach $5,686 $7,896 $1,978
34946 Fort Pierce $5,668 $10,165 $2,958
33415 Golfview $5,636 $7,333 $2,874
33417 Century Village $5,636 $7,333 $2,874
33463 Atlantis $5,636 $7,333 $2,874
33428 Boca Raton $5,635 $7,333 $3,039
33413 Greenacres City $5,630 $7,333 $2,834
33418 Jupiter $5,630 $7,333 $2,834
33478 Jupiter $5,619 $7,333 $2,756
33454 Greenacres City $5,615 $7,333 $2,724
33498 Boca Raton $5,611 $7,333 $2,874
33411 Century Village $5,609 $7,333 $2,684
33470 Loxahatchee $5,609 $7,333 $2,684
33414 Royal Palm Beach $5,605 $7,333 $2,834
33412 Palm Beach Gardens $5,603 $7,333 $2,645
33467 Aberdeen $5,584 $7,333 $2,684
33439 Bryant $5,530 $7,333 $2,130
34103 Naples $5,522 $7,998 $2,641
33430 Belle Glade $5,512 $7,333 $2,008
33493 South Bay $5,505 $7,333 $1,954
34990 Palm City $5,399 $7,159 $2,142
33309 Broadview-Pompano Pa $5,351 $8,448 $3,649
33311 Browardale $5,351 $8,448 $3,649
34113 East Naples $5,275 $7,998 $2,641
34141 Everglades $5,252 $7,998 $2,641
34112 East Naples $5,220 $7,998 $2,641
34110 Naples Park $5,214 $7,998 $2,641
33312 Broadview Park $5,213 $8,448 $3,069
33069 Coconut Creek $5,205 $8,448 $3,069
34956 Indiantown $5,197 $6,774 $1,780
34102 East Naples $5,187 $7,998 $2,641
34145 Marco $5,183 $7,998 $2,641
34108 Coco River $5,176 $7,998 $2,641
34947 Fort Pierce $5,138 $7,534 $2,518
34981 Fort Pierce $5,133 $7,534 $2,478
33921 $5,062 $8,092 $3,726
33068 Broadview-Pompano Pa $5,024 $6,699 $3,111
34951 Fort Pierce $4,989 $7,534 $2,478
34114 Everglades $4,954 $7,998 $2,641
33442 Coconut Creek $4,947 $6,699 $3,069
34105 Naples $4,915 $7,998 $2,641
33066 Coconut Creek $4,911 $6,699 $3,069
33073 Coconut Creek $4,898 $6,699 $3,069
33313 City of Sunrise $4,898 $6,699 $3,069
34224 Englewood $4,888 $6,342 $2,520
34109 North Naples $4,886 $7,998 $2,586
33317 Broadview Park $4,885 $6,699 $3,069
33924 $4,884 $8,092 $3,271
33957 Sanibel $4,880 $8,092 $3,271
33319 Broadview-Pompano Pa $4,877 $6,699 $3,069
33314 Broadview Park $4,877 $6,699 $3,069
33326 Davie $4,876 $6,386 $3,069
33024 Cooper City $4,869 $6,699 $3,069
33067 Coconut Creek $4,860 $6,386 $3,069
33323 Davie $4,844 $6,386 $3,069
33331 Davie $4,844 $6,386 $3,069
33028 Davie $4,837 $6,386 $3,069
33328 Cooper City $4,837 $6,386 $3,069
33063 Coconut Creek $4,831 $6,386 $3,069
33076 Coral Springs $4,831 $6,386 $3,069
32960 Gifford $4,828 $6,590 $2,793
33325 Davie $4,823 $6,386 $3,069
33330 Cooper City $4,823 $6,386 $3,069
32958 Roseland $4,821 $6,590 $2,742
32962 Florida Ridge $4,821 $6,590 $2,742
33956 Saint James City $4,819 $8,092 $3,271
33065 Coral Springs $4,815 $6,386 $3,069
33071 Coral Springs $4,815 $6,386 $3,069
33321 Coral Springs $4,815 $6,386 $3,069
33324 Davie $4,815 $6,386 $3,069
33026 Cooper City $4,807 $6,386 $3,069
34236 Sarasota $4,794 $7,325 $3,052
33981 $4,758 $6,002 $2,808
32967 Gifford $4,748 $6,156 $2,663
34983 Port St. Lucie $4,717 $6,098 $2,244
34984 Fort Pierce $4,717 $6,098 $2,244
33922 Bokeelia $4,716 $8,092 $2,943
34986 Port St. Lucie $4,636 $6,003 $2,205
34104 East Naples $4,623 $7,998 $2,586
34945 Fort Pierce $4,618 $6,003 $2,077
34953 Fort Pierce $4,618 $6,003 $2,077
34987 Fort Pierce $4,618 $6,003 $2,077
34988 $4,579 $6,003 $1,806
34116 Golden Gate $4,579 $7,998 $2,281
34119 $4,576 $7,998 $2,255
34117 Golden Gate $4,561 $7,998 $2,154
34120 $4,551 $7,998 $2,086
34217 Anna Maria $4,538 $6,754 $2,870
32968 Florida Ridge $4,528 $6,156 $2,244
34285 South Venice $4,523 $5,958 $3,274
34142 Immokalee $4,517 $7,998 $1,844
32966 Gifford $4,510 $6,156 $2,119
34229 Laurel $4,499 $5,958 $3,108
33931 Fort Myers Beach $4,492 $5,760 $3,271
32948 Fellsmere $4,468 $6,156 $1,825
34228 Longboat Key $4,441 $6,077 $2,870
34275 Laurel $4,409 $5,958 $2,481
34293 North Port $4,403 $5,958 $2,439
33705 Saint Petersburg $4,373 $6,687 $2,650
33712 Saint Petersburg $4,373 $6,687 $2,650
33715 Saint Petersburg $4,279 $7,042 $1,895
32561 Gulf Breeze $4,266 $5,870 $2,216
34215 Cortez $4,260 $6,754 $2,870
33701 Saint Petersburg $4,247 $5,846 $2,610
33708 Bay Pines $4,238 $7,042 $2,716
34223 Englewood $4,234 $5,958 $3,108
33704 Saint Petersburg $4,227 $5,846 $2,467
33993 Cape Coral $4,198 $8,092 $2,466
32320 Apalachicola $4,194 $5,949 $2,576
32328 Carrabelle $4,173 $5,949 $2,435
32508 $4,161 $5,245 $3,401
33946 Cape Haze $4,132 $5,958 $2,641
32541 Destin $4,125 $5,186 $2,834
33711 Gulfport $4,125 $6,406 $2,506
33710 Saint Petersburg $4,117 $5,838 $2,428
33703 Saint Petersburg $4,117 $5,846 $2,467
34292 Nokomis $4,085 $5,958 $2,063
32903 Indialantic $4,081 $7,323 $2,007
33707 Gulfport $4,068 $5,838 $2,716
32920 Cape Canaveral $4,055 $7,323 $2,007
32951 Indialantic $4,048 $7,323 $2,007
32566 Gulf Breeze $4,045 $5,870 $2,216
33965 Fort Myers $4,035 $8,092 $1,768
33967 Fort Myers $4,035 $8,092 $1,768
33966 Fort Myers $4,031 $8,092 $1,768
32937 Indian Harbour Beach $4,024 $7,323 $2,007
32459 Miramar Beach $4,020 $5,201 $2,925
33947 Cape Haze $4,017 $5,958 $2,626
32322 Carrabelle $4,011 $5,949 $1,913
32413 Laguna Beach $3,980 $5,117 $2,601
33702 Gandy $3,971 $6,406 $2,199
32931 Cape Canaveral $3,964 $7,323 $2,007
33767 Clearwater $3,957 $7,042 $1,895
33716 Feather Sound $3,944 $6,406 $2,011
33713 Saint Petersburg $3,922 $5,838 $1,832
33730 Saint Petersburg $3,922 $5,838 $1,832
32563 Gulf Breeze $3,916 $5,870 $2,216
33785 Belleair Beach $3,905 $7,042 $1,895
34242 Crescent Beach $3,898 $5,958 $2,608
33786 Belleair Beach $3,897 $7,042 $1,895
32548 Cinco Bayou $3,872 $5,186 $2,216
34134 Barefoot Beach $3,862 $5,530 $1,768
32925 Canaveral Air Station $3,855 $7,323 $1,378
32507 Myrtle Grove $3,838 $5,072 $2,833
33914 Cape Coral $3,825 $5,530 $1,768
32569 Fort Walton Beach $3,800 $5,186 $2,216
33776 Largo $3,794 $5,758 $2,493
33991 Cape Coral $3,787 $5,530 $1,768
33904 Cape Coral $3,778 $5,530 $1,768
33774 Baskin $3,773 $5,758 $2,350
34135 Bonita Springs $3,769 $5,530 $1,768
32526 Bellview $3,766 $5,245 $1,807
34689 Palm Harbor $3,764 $6,406 $2,214
33919 Cypress Lake $3,758 $5,530 $1,764
33927 $3,755 $4,776 $2,641
33950 Charlotte Park $3,743 $4,776 $2,584
33909 Cape Coral $3,743 $5,530 $1,768
34210 Bradenton $3,742 $6,077 $2,502
33908 Cypress Lake $3,742 $5,530 $1,764
33759 Clearwater $3,741 $6,406 $2,056
34695 Clearwater $3,741 $6,406 $2,056
33769 Clearwater $3,740 $7,042 $1,689
33948 Port Charlotte $3,739 $4,776 $2,558
33955 Punta Gorda $3,739 $4,776 $2,558
34209 Bradenton $3,737 $4,918 $2,786
33901 Fort Myers $3,735 $5,530 $1,768
33990 Cape Coral $3,735 $5,530 $1,768
33953 Port Charlotte $3,725 $4,776 $2,457
32544 Fort Walton Beach $3,722 $4,641 $2,216
32502 Pensacola $3,718 $5,072 $2,833
33772 Bay Pines $3,717 $5,364 $2,350
33928 Bonita Springs $3,712 $5,530 $1,764
33980 Charlotte Harbor $3,711 $4,776 $2,363
32169 New Smyrna Beach $3,706 $8,134 $1,784
33762 Feather Sound $3,705 $6,406 $1,997
33903 Cape Coral $3,702 $5,240 $1,768
33760 Highpoint $3,694 $6,406 $1,920
33761 Clearwater $3,694 $6,406 $1,728
34688 Tarpon Springs $3,691 $6,406 $1,703
33764 Clearwater $3,691 $6,406 $1,894
33952 Charlotte Harbor $3,688 $4,776 $2,196
32976 Barefoot Bay $3,682 $5,209 $1,378
33983 Harbour Heights $3,677 $4,776 $2,121
33982 Cleveland $3,667 $4,776 $2,051
33706 Pass A Grille Beach $3,666 $7,042 $1,895
32118 Daytona Beach $3,664 $8,134 $1,490
32176 Daytona Beach $3,661 $8,134 $1,464
33954 Port Charlotte $3,654 $4,776 $1,961
34231 Gulf Gate Branch $3,652 $5,201 $2,608
32579 Eglin AFB $3,651 $4,940 $2,216
32950 Malabar $3,643 $7,323 $2,007
33912 Estero $3,623 $5,240 $1,764
33729 Home Shopping $3,617 $5,838 $2,037
34205 Bradenton $3,608 $6,077 $2,035
32521 Pensacola $3,607 $5,072 $2,833
32901 Melbourne $3,606 $7,323 $1,967
32501 Brent $3,601 $5,072 $2,833
32511 Pensacola $3,588 $5,072 $2,833
32512 Pensacola $3,588 $5,072 $2,833
34238 Bee Ridge $3,588 $5,201 $2,215
33770 Baskin $3,588 $5,364 $2,214
34698 Clearwater $3,577 $7,042 $1,895
33907 Cypress Lake $3,575 $5,240 $1,764
33778 Baskin $3,569 $5,364 $2,082
32542 Duke Field AFS $3,565 $4,940 $2,216
32547 Fort Walton Beach $3,565 $4,940 $2,216
33913 Fort Myers $3,564 $5,240 $1,764
33905 Fort Myers $3,561 $5,240 $1,768
33917 Cape Coral $3,561 $5,240 $1,768
33994 East Fort Myers $3,561 $5,240 $1,768
33974 Lehigh Acres $3,561 $5,240 $1,768
33936 Lehigh Acres $3,555 $5,240 $1,768
33972 Lehigh Acres $3,555 $5,240 $1,768
33916 Fort Myers $3,551 $5,240 $1,768
32952 Merritt Island $3,551 $6,429 $1,823
33976 Lehigh Acres $3,550 $5,240 $1,768
33971 Lehigh Acres $3,546 $5,240 $1,744
33973 Lehigh Acres $3,546 $5,240 $1,744
33920 Alva $3,542 $5,240 $1,718
32506 Bellview $3,536 $4,518 $2,475
32953 Merritt Island $3,526 $6,429 $1,646
32578 Choctaw $3,522 $4,641 $2,216
32580 Niceville $3,522 $4,641 $2,216
34287 North Port $3,486 $4,825 $1,828
34677 Oldsmar $3,476 $6,406 $1,844
34684 Clearwater $3,469 $6,406 $1,795
32550 Destin $3,460 $4,518 $2,216
34685 Oldsmar $3,456 $6,406 $1,703
34291 North Port $3,436 $5,958 $1,727
33755 Clearwater $3,433 $4,373 $2,214
33756 Belleair $3,433 $4,373 $2,214
32503 Brent $3,431 $4,620 $2,616
32504 Brent $3,431 $4,620 $2,616
34681 Crystal Beach $3,415 $4,373 $2,082
34683 Dunedin $3,415 $4,373 $2,082
32583 Bagdad $3,391 $4,457 $2,573
32815 Mims $3,388 $6,429 $2,007
33777 Largo $3,375 $4,181 $1,997
33773 Highpoint $3,371 $4,181 $1,971
33709 Kenneth City $3,370 $4,181 $1,963
33771 Highpoint $3,360 $4,181 $1,894
33765 Clearwater $3,358 $4,373 $1,689
34234 Desoto Lakes $3,353 $4,680 $2,424
33714 Lealman $3,348 $4,181 $1,806
32505 Bellview $3,346 $4,457 $2,266
32571 Pace $3,345 $4,457 $2,248
33471 Moore Haven $3,344 $4,632 $1,830
34239 Pinecraft $3,344 $4,680 $2,358
34652 Beacon Square $3,343 $4,698 $2,523
33781 Lealman $3,340 $4,181 $1,753
34691 Beacon Square $3,340 $4,698 $2,523
33782 Pinellas Park $3,337 $4,181 $1,728
34974 Buckhead Ridge $3,327 $4,632 $1,711
32905 Malabar $3,304 $5,209 $1,967
34237 Kensington Park $3,298 $4,680 $2,035
34690 Beacon Square $3,297 $4,698 $2,419
34233 Bee Ridge $3,294 $4,680 $2,009
34207 Bayshore Gardens $3,290 $4,680 $2,502
34241 Lake Sarasota $3,284 $5,157 $1,903
32509 Pensacola $3,281 $4,457 $1,807
32559 Pensacola $3,281 $4,457 $1,807
34232 Bee Ridge $3,268 $4,680 $1,828
34235 Desoto Lakes $3,268 $4,680 $1,828
34243 Bayshore Gardens $3,264 $4,680 $2,398
32899 Kennedy Space Center $3,252 $6,429 $1,378
32514 Brent $3,242 $4,457 $2,450
32935 Melbourne $3,222 $4,843 $1,853
33440 Clewiston $3,213 $4,159 $1,928
32949 Grant $3,211 $5,209 $1,378
34203 Bayshore Gardens $3,204 $4,680 $1,984
33935 La Belle $3,187 $4,159 $1,751
34201 Braden River $3,172 $4,680 $1,758
33867 La Belle $3,167 $4,632 $1,294
34428 Crystal River $3,146 $4,469 $1,802
34221 Bradenton $3,143 $4,680 $2,215
32408 Lower Grand Lagoon $3,142 $4,518 $2,216
34429 Crystal River $3,140 $4,469 $1,760
32439 Freeport $3,139 $4,576 $2,055
33763 Clearwater $3,123 $4,373 $1,689
32403 Mexico Beach $3,117 $4,518 $2,216
34250 Terra Ceia $3,117 $3,904 $2,215
32407 Panama City $3,112 $4,518 $2,216
34240 Fruitville $3,090 $3,967 $1,903
32570 Milton $3,089 $3,821 $1,757
34288 North Port $3,079 $3,967 $1,828
34289 North Port $3,079 $3,967 $1,828
34286 North Port $3,069 $3,967 $1,758
34614 Weeki Wachee Gardens $3,052 $3,964 $1,919
34972 Basinger $3,043 $4,159 $1,669
34448 Homosassa $3,039 $4,002 $1,760
32565 Jay $3,031 $3,821 $1,352
32922 Cocoa $2,999 $4,751 $1,589
34222 Bradenton $2,997 $3,823 $2,009
34211 Bradenton $2,993 $3,823 $1,984
34212 Bradenton $2,993 $3,823 $1,984
34208 Braden River $2,982 $3,823 $1,903
32456 Mexico Beach $2,978 $5,056 $1,386
32534 Brent $2,975 $3,462 $1,877
32919 Melbourne $2,965 $4,843 $1,378
32926 Cocoa $2,963 $4,751 $1,337
32533 Ensley $2,961 $3,462 $1,783
34202 Braden River $2,961 $3,823 $1,758
34219 $2,961 $3,823 $1,758
34251 Myakka City $2,939 $3,823 $1,607
32564 Holt $2,933 $4,040 $1,563
32577 Molino $2,925 $3,462 $1,528
32461 Sunnyside $2,924 $4,457 $2,041
32401 Cedar Grove $2,924 $4,457 $2,039
32940 Melbourne $2,916 $3,788 $1,967
32531 $2,914 $4,040 $1,428
32536 Crestview $2,914 $4,040 $1,428
32539 Crestview $2,914 $4,040 $1,428
32405 Cedar Grove $2,909 $4,457 $1,936
32444 Hiland Park $2,896 $4,457 $1,842
32568 Mc David $2,891 $3,462 $1,293
32567 Laurel Hill $2,890 $4,040 $1,260
32955 Cocoa $2,880 $3,788 $1,715
32535 Century $2,875 $3,462 $1,177
34446 Homosassa $2,847 $3,868 $1,721
32754 Mims $2,835 $3,788 $1,402
33572 Apollo Beach $2,830 $4,680 $1,483
32796 Mims $2,826 $3,788 $1,337
33570 Apollo Beach $2,815 $4,680 $1,483
32435 De Funiak Springs $2,809 $4,576 $1,563
33616 Tampa $2,800 $3,779 $1,457
33621 Tampa $2,789 $3,779 $1,457
33611 Tampa $2,784 $3,779 $1,457
32433 De Funiak Springs $2,783 $4,576 $1,376
33534 Apollo Beach $2,766 $4,680 $1,483
34667 Bayonet Point $2,763 $4,698 $1,234
34668 Bayonet Point $2,756 $4,698 $1,234
33619 Brandon $2,750 $4,680 $1,457
32934 Eau Gallie $2,735 $3,788 $1,378
33609 Tampa $2,734 $3,779 $1,457
32904 June Park $2,715 $3,788 $1,378
32909 Malabar $2,711 $3,788 $1,378
34653 Elfers $2,706 $4,698 $1,234
34655 Elfers $2,702 $4,698 $1,234
32908 Melbourne $2,697 $3,788 $1,378
32927 Cocoa $2,697 $3,788 $1,378
32907 Melbourne $2,694 $3,788 $1,362
32780 Port St. John $2,690 $3,788 $1,337
32404 Callaway $2,689 $3,624 $1,696
34638 Land O' Lakes $2,687 $4,698 $1,234
34669 Bayonet Point $2,684 $4,698 $1,234
34654 Bayonet Point $2,680 $4,698 $1,234
32409 Lynn Haven $2,674 $3,624 $1,587
33608 Mac Dill AFB $2,654 $3,534 $1,457
32466 $2,651 $3,624 $1,428
34608 Brooksville $2,642 $4,694 $757
32438 Fountain $2,640 $3,624 $1,352
33606 Davis Island $2,638 $3,534 $1,457
34609 Brookridge $2,630 $4,694 $757
33629 Palma Ceia $2,628 $3,534 $1,457
34601 Brooksville $2,626 $4,694 $757
33602 Tampa $2,606 $3,534 $1,457
33607 Tampa $2,602 $3,534 $1,457
33605 Tampa $2,598 $3,534 $1,457
33633 Tampa $2,595 $3,534 $1,457
33603 Tampa $2,588 $3,534 $1,457
33604 Tampa $2,582 $3,534 $1,457
32625 Cedar Key $2,564 $4,002 $941
34449 Inglis $2,540 $4,002 $941
34607 Brooksville $2,527 $3,964 $757
33634 Tampa $2,516 $3,779 $1,461
33655 Tampa $2,493 $3,227 $1,457
33650 Tampa $2,490 $3,227 $1,457
33663 Tampa $2,490 $3,227 $1,457
33664 Tampa $2,490 $3,227 $1,457
33660 Tampa $2,483 $3,227 $1,457
33661 Tampa $2,483 $3,227 $1,457
33662 Tampa $2,483 $3,227 $1,457
33598 Sun City Center $2,469 $3,087 $1,483
34604 Brooksville $2,466 $4,694 $757
33578 Riverview $2,455 $3,087 $1,461
33569 Bloomingdale $2,454 $3,087 $1,483
33573 Sun City Center $2,454 $3,087 $1,483
33579 Riverview $2,451 $3,087 $1,461
34613 Brookridge $2,450 $3,964 $757
34606 Brooksville $2,447 $3,964 $757
34602 $2,447 $4,694 $757
33647 Tampa $2,444 $3,087 $1,450
33592 Tampa $2,443 $3,087 $1,483
33547 Bloomingdale $2,441 $3,087 $1,483
34269 Arcadia $2,439 $4,159 $1,433
33545 Wesley Chapel $2,434 $3,621 $1,234
33544 San Antonio $2,430 $3,621 $1,234
33584 Brandon $2,429 $3,087 $1,483
33543 Wesley Chapel $2,427 $3,621 $1,234
34266 Arcadia $2,423 $4,159 $1,433
33541 Zephyrhills $2,420 $3,621 $1,234
33576 Saint Leo $2,420 $3,621 $1,234
33565 Plant City $2,420 $3,087 $1,450
33566 Plant City $2,418 $3,087 $1,483
33523 Dade City $2,416 $3,621 $1,234
33511 Bloomingdale $2,416 $3,087 $1,483
33615 Tampa $2,413 $3,227 $1,457
33510 Brandon $2,412 $3,087 $1,483
33527 Brandon $2,412 $3,087 $1,483
33567 Plant City $2,412 $3,087 $1,483
33594 Bloomingdale $2,412 $3,087 $1,483
33524 Crystal Springs $2,410 $3,621 $1,234
33525 Dade City $2,410 $3,621 $1,234
33540 Zephyrhills $2,410 $3,621 $1,234
33596 Valrico $2,409 $3,087 $1,461
33563 Plant City $2,407 $3,087 $1,461
33865 Ona $2,403 $4,159 $1,433
33635 Town and Country $2,398 $3,227 $1,461
33834 Bowling Green $2,397 $4,159 $1,405
33610 Del Rio $2,392 $3,227 $1,457
33873 Wauchula $2,391 $4,159 $1,363
33890 Zolfo Springs $2,391 $4,159 $1,363
33542 Zephyrhills $2,390 $3,621 $1,234
33558 Lutz $2,387 $3,227 $1,461
33548 Lutz $2,383 $3,227 $1,461
33626 Northdale $2,383 $3,227 $1,461
33556 Odessa $2,379 $3,227 $1,461
33614 Carrollwood $2,376 $3,227 $1,461
33559 Lutz $2,375 $3,227 $1,461
33549 Greater Northdale $2,369 $3,227 $1,461
33617 Del Rio $2,369 $3,227 $1,461
33612 Carrollwood $2,368 $3,227 $1,457
32465 Wewahitchka $2,368 $3,158 $1,386
34637 Land O' Lakes $2,368 $3,621 $1,234
34639 Land O' Lakes $2,368 $3,621 $1,234
33637 Tampa $2,363 $3,227 $1,450
33613 Lake Magdalene $2,362 $3,227 $1,461
33625 Carrollwood $2,362 $3,227 $1,461
33857 Lorida $2,357 $4,159 $1,433
33852 Lake Placid $2,351 $4,159 $1,413
33876 Sebring $2,351 $4,159 $1,413
33960 Venus $2,351 $4,159 $1,413
33618 Carrollwood $2,351 $3,227 $1,450
33624 Carrollwood $2,351 $3,227 $1,450
34610 Brooksville $2,349 $3,621 $1,234
33825 Avon Park $2,348 $4,159 $1,388
33826 Avon Park AFB $2,348 $4,159 $1,388
33870 Sebring $2,348 $4,159 $1,388
33872 Sebring $2,348 $4,159 $1,388
33875 Sebring $2,348 $4,159 $1,388
33620 Tampa $2,345 $3,227 $1,325
33597 Lacoochee $2,327 $3,621 $1,198
32136 Beverly Beach $2,310 $3,744 $1,187
32626 Chiefland $2,295 $3,539 $941
32693 Fanning Springs $2,281 $3,539 $941
32346 Alligator Point $2,280 $4,457 $950
34450 Inverness $2,239 $3,762 $1,088
34452 Floral City $2,239 $3,762 $1,088
34436 Floral City $2,233 $3,762 $1,088
34461 Beverly Hills $2,219 $3,762 $1,088
34465 Beverly Hills $2,212 $3,762 $1,088
34453 Hernando $2,212 $3,762 $1,088
34433 Citrus Springs $2,209 $3,762 $1,088
34442 Beverly Hills $2,209 $3,762 $1,088
34434 Beverly Hills $2,209 $3,762 $1,088
32127 Daytona Beach $2,179 $2,997 $1,378
32347 Perry $2,162 $3,034 $971
32137 Flagler Beach $2,125 $3,744 $1,195
32648 Horseshoe Beach $2,124 $2,750 $941
32692 Suwannee $2,105 $2,750 $941
32168 Deltona $2,102 $2,782 $1,378
32174 Daytona Beach $2,102 $2,782 $1,378
32119 Daytona Beach $2,100 $2,782 $1,378
32123 Port Orange $2,100 $2,782 $1,378
32132 Edgewater $2,100 $2,782 $1,378
32759 Oak Hill $2,100 $2,782 $1,378
32129 Daytona Beach $2,096 $2,782 $1,378
32114 Daytona Beach $2,085 $2,782 $1,378
32117 Daytona Beach $2,085 $2,782 $1,378
32125 Holly Hill $2,085 $2,782 $1,378
32141 Edgewater $2,085 $2,782 $1,378
32198 Daytona Beach $2,085 $2,782 $1,378
32128 Daytona Beach $2,071 $2,782 $1,330
32628 $2,064 $2,750 $941
32764 Deltona $2,058 $2,782 $1,243
32358 Saint Teresa $2,050 $3,158 $950
32725 De Bary $2,047 $2,782 $1,167
32130 De Leon Springs $2,044 $2,782 $1,147
32723 De Land $2,044 $2,782 $1,147
32724 De Land $2,044 $2,782 $1,147
32744 Deltona $2,044 $2,782 $1,147
32124 Daytona Beach $2,040 $2,782 $1,113
32713 De Bary $2,038 $2,782 $1,101
32738 Deltona $2,038 $2,782 $1,101
33843 Frostproof $2,036 $3,453 $1,370
32720 De Land $2,035 $2,782 $1,081
33809 Gibsonia $2,033 $3,453 $1,345
33815 Lakeland $2,033 $3,453 $1,345
33830 Bartow $2,033 $3,453 $1,345
33831 Cornersville $2,033 $3,453 $1,345
33841 Fort Meade $2,033 $3,453 $1,345
33860 Lakeland Highlands $2,033 $3,453 $1,345
32763 De Bary $2,031 $2,782 $1,051
33810 Gibsonia $2,029 $3,453 $1,317
33811 Lakeland $2,029 $3,453 $1,317
33849 Kathleen $2,029 $3,453 $1,317
33868 Lakeland $2,029 $3,453 $1,317
32327 Crawfordville $2,028 $3,158 $950
32105 Barbelville $2,028 $2,782 $1,031
32180 Pierson $2,028 $2,782 $1,031
33827 Babson Park $2,025 $3,453 $1,294
33838 Dundee $2,025 $3,453 $1,294
33850 Lake Alfred $2,025 $3,453 $1,294
33853 Babson Park $2,025 $3,453 $1,294
33855 Indian Lake Estates $2,025 $3,453 $1,294
33898 Lake Wales $2,025 $3,453 $1,294
32190 Seville $2,022 $2,782 $989
33801 Combee Settlement $2,022 $3,453 $1,269
33803 Lakeland $2,022 $3,453 $1,269
33805 Combee Settlement $2,022 $3,453 $1,269
33812 Lakeland $2,022 $3,453 $1,269
33823 Auburndale $2,022 $3,453 $1,269
33839 Bartow $2,022 $3,453 $1,269
33844 Davenport $2,022 $3,453 $1,269
33859 Lake Wales $2,022 $3,453 $1,269
33880 Bartow $2,022 $3,453 $1,269
33881 Auburndale $2,022 $3,453 $1,269
33884 Cypress Gardens $2,022 $3,453 $1,269
33888 Winter Haven $2,022 $3,453 $1,269
33896 Champions Gate $2,022 $3,453 $1,269
33813 Highland City $2,018 $3,453 $1,241
33837 Davenport $2,018 $3,453 $1,241
33897 Davenport $2,018 $3,453 $1,241
34759 Kissimmee $2,018 $3,453 $1,241
32143 Palm Coast $1,980 $2,737 $1,187
34498 Yankeetown $1,953 $2,649 $941
32164 Bunnell $1,951 $2,737 $1,175
32080 Saint Augustine $1,932 $3,077 $925
32095 Saint Augustine $1,926 $2,571 $1,256
32110 Bunnell $1,926 $2,737 $998
34739 Kenansville $1,925 $2,943 $1,344
32082 Palm Valley $1,922 $3,077 $925
34772 Saint Cloud $1,922 $2,943 $1,344
34773 Saint Cloud $1,922 $2,943 $1,344
34769 Saint Cloud $1,914 $2,943 $1,327
34747 Celebration $1,914 $2,943 $1,326
34743 Buena Ventura Lakes $1,911 $2,943 $1,302
34744 Buena Ventura Lakes $1,911 $2,943 $1,302
34771 Saint Cloud $1,911 $2,943 $1,302
34741 Kissimmee $1,907 $2,943 $1,274
34746 Campbell $1,907 $2,943 $1,274
34758 Campbell $1,907 $2,943 $1,274
32084 Butler Beach $1,894 $3,077 $1,216
32081 Ponte Vedra Beach $1,830 $3,077 $925
32809 Belle Isle $1,826 $2,785 $1,265
32829 $1,822 $2,785 $1,247
32836 Bay Hill $1,822 $2,785 $1,247
32832 $1,813 $2,785 $1,183
32805 Holden Heights $1,813 $2,785 $1,275
32839 Edgewood $1,813 $2,785 $1,181
32819 Bay Hill $1,810 $2,785 $1,265
32798 Mount Dora $1,810 $2,785 $1,146
32709 Bithlo $1,809 $2,785 $1,159
32765 Oviedo $1,809 $2,785 $1,267
32821 Lake Buena Vista $1,808 $2,785 $1,146
32824 Meadow Wood $1,808 $2,785 $1,146
32837 Williamsburg $1,808 $2,785 $1,146
34734 Gotha $1,808 $2,785 $1,146
34786 Bay Hill $1,808 $2,785 $1,146
34787 Bay Lake $1,808 $2,785 $1,146
32807 Azalea Park $1,806 $2,785 $1,247
32812 Belle Isle $1,806 $2,785 $1,247
32828 Alafaya $1,804 $2,785 $1,122
32833 Bithlo $1,804 $2,785 $1,122
32804 Fairview Shores $1,804 $2,785 $1,213
32792 Aloma $1,803 $2,785 $1,112
32806 Belle Isle $1,799 $2,785 $1,181
32808 Fairview Shores $1,799 $2,785 $1,181
32820 Bithlo $1,799 $2,785 $1,088
32830 Bay Lake $1,798 $2,785 $1,080
34761 Ocoee $1,798 $2,785 $1,080
32712 Apopka $1,797 $2,785 $1,056
32822 Azalea Park $1,795 $2,785 $1,153
32777 Tangerine $1,795 $2,785 $1,058
32086 Butler Beach $1,795 $2,340 $1,256
32817 Goldenrod $1,795 $2,785 $1,056
32680 Cross City $1,793 $2,649 $916
32701 Altamonte Springs $1,792 $2,785 $1,267
32708 Casselberry $1,792 $2,785 $1,267
32825 Azalea Park $1,791 $2,785 $1,028
32707 Altamonte Springs $1,787 $2,785 $1,267
32766 Chuluota $1,787 $2,785 $1,267
32810 Eatonville $1,785 $2,785 $1,080
32668 Morriston $1,783 $2,486 $1,088
32730 Altamonte Springs $1,782 $2,785 $1,267
32732 Geneva $1,782 $2,785 $1,267
32746 Heathrow $1,782 $2,785 $1,267
32773 Lake Mary $1,782 $2,785 $1,267
32799 Mid Florida $1,782 $2,785 $1,267
32771 Lake Forest $1,782 $2,785 $1,267
32818 Hiawassee $1,781 $2,785 $1,056
32789 Eatonville $1,781 $2,785 $1,052
32714 Altamonte Springs $1,775 $2,785 $1,245
32750 Casselberry $1,775 $2,785 $1,245
32885 Orlando $1,775 $2,785 $1,247
32321 Bristol $1,773 $2,571 $967
32621 Bronson $1,770 $2,486 $1,088
32359 Salem $1,769 $2,423 $950
32696 Williston $1,766 $2,486 $1,088
32437 Ebro $1,764 $2,571 $967
32827 Orlando $1,764 $2,785 $1,275
32891 Orlando $1,762 $2,785 $1,153
32334 Hosford $1,761 $2,571 $967
32887 Orlando $1,761 $2,785 $1,146
32751 Altamonte Springs $1,758 $2,785 $1,122
32834 Orlando $1,757 $2,785 $1,122
32835 Orlando $1,755 $2,785 $1,213
32886 Orlando $1,753 $2,785 $1,089
32896 Orlando $1,753 $2,785 $1,089
32897 Orlando $1,753 $2,785 $1,089
32703 Altamonte Springs $1,752 $2,785 $1,080
32266 Atlantic Beach $1,751 $3,077 $912
32811 Orlando $1,750 $2,785 $1,181
32826 Orlando $1,748 $2,785 $1,056
32356 Salem $1,747 $2,423 $950
32803 Orlando $1,746 $2,785 $1,153
32814 Orlando $1,746 $2,785 $1,153
32348 Perry $1,741 $2,423 $950
32831 Orlando $1,741 $2,785 $1,006
32462 Vernon $1,738 $2,571 $967
32801 Orlando $1,737 $2,785 $1,089
32427 Caryville $1,732 $2,571 $967
32816 Orlando $1,732 $2,785 $1,056
32428 Chipley $1,719 $2,571 $967
32779 Deer Island $1,702 $2,785 $1,265
32233 Atlantic Beach $1,693 $3,077 $912
32449 Kinard $1,682 $2,571 $967
32421 Altha $1,676 $2,571 $967
32430 Clarksville $1,671 $2,571 $967
32455 Bruce $1,667 $2,571 $967
32424 Blountstown $1,660 $2,571 $967
32425 Bonifay $1,659 $2,571 $967
32464 Ponce de Leon $1,659 $2,571 $967
32226 Jacksonville $1,654 $3,077 $988
34711 Clermont $1,627 $2,381 $1,174
34715 Clermont $1,627 $2,381 $1,174
34756 Montverde $1,627 $2,381 $1,174
32227 Jacksonville $1,626 $3,077 $912
32431 Alford $1,625 $2,571 $967
34705 Astatula $1,623 $2,381 $1,146
34713 Clermont So. Br. Postal $1,623 $2,381 $1,146
34714 Clermont $1,623 $2,381 $1,146
34736 Groveland $1,623 $2,381 $1,146
34737 Howey-in-the-Hills $1,623 $2,381 $1,146
34753 Mascotte $1,623 $2,381 $1,146
34762 Hawthorne $1,623 $2,381 $1,146
32776 Mount Plymouth $1,620 $2,381 $1,122
34731 Fruitland Park $1,620 $2,381 $1,122
34797 Hawthorne $1,618 $2,381 $1,112
32420 Alford $1,615 $2,571 $967
32726 Eustis $1,614 $2,381 $1,080
32735 Eustis $1,614 $2,381 $1,080
32778 Astatula $1,614 $2,381 $1,080
34748 Fruitland Park $1,614 $2,381 $1,080
34788 Bassville Park $1,614 $2,381 $1,080
32784 Altoona $1,610 $2,381 $1,056
32034 Amelia Island $1,609 $3,077 $912
33514 Center Hill $1,609 $2,381 $1,222
32426 Campbellton $1,608 $2,571 $967
32440 Graceville $1,608 $2,571 $967
32448 Marianna $1,608 $2,571 $967
32736 Eustis $1,608 $2,381 $1,036
32757 Eustis $1,607 $2,381 $1,030
33585 Coleman $1,606 $2,381 $1,198
32159 Fruitland Park $1,603 $2,381 $1,006
32702 Altoona $1,600 $2,381 $986
32767 Paisley $1,600 $2,381 $986
32162 Lady Lake $1,600 $2,381 $985
32445 Malone $1,599 $2,571 $967
32446 Jacob City $1,599 $2,571 $967
32102 Astor $1,597 $2,381 $965
32423 Bascom $1,597 $2,571 $967
32443 Greenwood $1,597 $2,571 $967
33513 Bushnell $1,595 $2,381 $1,122
32442 Grand Ridge $1,595 $2,571 $967
32250 Jacksonville $1,591 $3,077 $925
32460 Sneads $1,590 $2,571 $967
34484 Oxford $1,590 $2,381 $1,088
34785 Coleman $1,581 $2,381 $1,028
33538 Lake Panasoffkee $1,578 $2,381 $1,006
32163 The Villages $1,575 $2,381 $985
32324 Chattahoochee $1,573 $2,571 $967
32332 $1,573 $2,571 $967
32333 Havana $1,573 $2,571 $967
32343 Midway $1,573 $2,571 $967
32351 Greensboro $1,573 $2,571 $967
32352 Mount Pleasant $1,573 $2,571 $967
32639 $1,568 $2,649 $915
32008 Branford $1,567 $2,571 $950
32060 Live Oak $1,567 $2,571 $950
32062 Mc Alpin $1,567 $2,571 $950
32064 Dowling Park $1,567 $2,571 $950
32071 O Brien $1,567 $2,571 $950
32094 Wellborn $1,567 $2,571 $950
32033 Elkton $1,548 $2,340 $925
32145 Hastings $1,548 $2,340 $925
32013 $1,546 $2,571 $950
32066 Mayo $1,546 $2,571 $950
32092 Saint Augustine $1,542 $2,340 $925
34431 Dunnellon $1,537 $2,381 $1,057
32195 Weirsdale $1,535 $2,381 $1,057
34491 Summerfield $1,535 $2,381 $1,057
32179 Ocklawaha $1,528 $2,381 $1,057
34420 Belleview $1,528 $2,381 $1,057
34472 Belleview $1,525 $2,381 $1,057
34432 Dunnellon $1,522 $2,381 $1,057
34471 Ocala $1,522 $2,381 $1,057
34473 Ocala $1,522 $2,381 $1,057
34488 Ocala $1,521 $2,381 $1,057
34476 $1,519 $2,381 $1,057
34480 Belleview $1,519 $2,381 $1,057
32113 Citra $1,516 $2,381 $1,043
34474 Ocala $1,516 $2,381 $1,043
34475 Ocala $1,516 $2,381 $1,043
34481 $1,516 $2,381 $1,043
32617 Anthony $1,514 $2,381 $1,026
34470 Ocala $1,514 $2,381 $1,026
34479 Ocala $1,514 $2,381 $1,026
34482 Ocala $1,514 $2,381 $1,026
32134 Fort Mc Coy $1,510 $2,381 $1,002
32686 McIntosh $1,510 $2,381 $1,002
32059 Lee $1,496 $2,571 $950
32331 Greenville $1,496 $2,571 $950
32340 Madison $1,496 $2,571 $950
32350 Pinetta $1,496 $2,571 $950
32240 Jasper $1,490 $2,051 $912
32225 Jacksonville $1,486 $2,199 $925
32256 Jacksonville $1,479 $2,199 $925
32246 Jacksonville $1,474 $2,199 $912
32277 Jacksonville $1,471 $2,199 $912
32216 Jacksonville $1,469 $2,199 $912
32336 Lamont $1,464 $1,953 $950
32344 Monticello $1,454 $1,953 $950
32219 Dinsmore $1,452 $2,051 $935
32040 Glen St. Mary $1,451 $1,934 $831
32063 Glen St. Mary $1,451 $1,934 $831
32087 $1,451 $1,934 $831
32097 Jacksonville $1,441 $2,171 $912
32052 Jasper $1,429 $1,934 $950
32053 Jennings $1,429 $1,934 $950
32096 White Springs $1,429 $1,934 $950
32009 Bryceville $1,429 $2,171 $912
32011 Callahan $1,429 $2,171 $912
32046 Hilliard $1,429 $2,171 $912
32259 Fruit Cove $1,422 $1,983 $925
32026 Raiford $1,420 $2,055 $831
32054 Lake Butler $1,420 $2,055 $831
32083 Raiford $1,420 $2,055 $831
32024 Lake City $1,395 $1,934 $831
32025 Lake City $1,395 $1,934 $831
32038 Fort White $1,395 $1,934 $831
32055 Five Points $1,395 $1,934 $831
32061 Lulu $1,395 $1,934 $831
32131 East Palatka $1,393 $2,055 $925
32139 Georgetown $1,391 $2,055 $947
32112 Crescent City $1,390 $2,055 $925
32619 Bell $1,388 $1,768 $915
32181 Pomona Park $1,388 $2,055 $925
32193 Welaka $1,387 $2,055 $925
32189 Pomona Park $1,383 $2,055 $947
32177 Palatka $1,382 $2,055 $925
32140 Florahome $1,379 $2,055 $947
32148 Interlachen $1,379 $2,055 $947
32187 East Palatka $1,377 $2,055 $925
32208 Jacksonville $1,374 $1,914 $935
32618 Archer $1,370 $2,381 $915
32667 Micanopy $1,370 $2,381 $915
32669 Jonesville $1,370 $2,381 $915
32631 Earleton $1,368 $2,381 $915
32606 Gainesville $1,366 $2,381 $915
32607 Gainesville $1,366 $2,381 $915
32608 Gainesville $1,366 $2,381 $915
32609 Gainesville $1,366 $2,381 $915
32640 Cross Creek $1,366 $2,381 $915
32601 Gainesville $1,364 $2,381 $915
32603 Gainesville $1,364 $2,381 $915
32605 Gainesville $1,364 $2,381 $915
32612 Gainesville $1,364 $2,381 $915
32615 Alachua $1,364 $2,381 $915
32641 Gainesville $1,364 $2,381 $915
32643 Alachua $1,364 $2,381 $915
32653 Alachua $1,364 $2,381 $915
32694 Waldo $1,364 $2,381 $915
32202 Jacksonville $1,352 $1,914 $912
32206 Jacksonville $1,352 $1,914 $912
32209 Jacksonville $1,352 $1,914 $912
32218 Jacksonville $1,350 $1,914 $935
32224 Jacksonville $1,345 $1,886 $925
32044 Hampton $1,344 $1,676 $912
32058 Lawtey $1,342 $1,676 $912
32622 Brooker $1,342 $1,676 $912
32223 Jacksonville $1,338 $1,886 $925
32258 Jacksonville $1,338 $1,886 $925
32207 Jacksonville $1,327 $1,886 $912

Florida home insurance rates by company

Because costs are not uniform, it's crucial to shop around for the best home insurance rate.

Many factors influence the price you pay for insurance. Among others, the Insurance Information Institute (III) cites the following:

  • Your home's square footage
  • Building costs in your area, and your own home's construction, materials and features
  • Local crime rates
  • The likelihood of certain types of disasters, such as hurricanes

So, shop around for the right policy. III suggests getting at least three price quotes when shopping for coverage, and says that doing so can save you up to hundreds of dollars annually.

Although Florida home insurance costs can be expensive, it's a mistake to cut corners in an attempt to save. III recommends that you get enough insurance to cover the costs to:

  • Repair or replace the structure of your home and personal possessions
  • Defend yourself against liability costs if someone is hurt on your property
  • Pay for a temporary place to live while your home is repaired or replaced

Who has the cheapest Florida home insurance?

Here are home insurance rates by company for six coverage sets. Based on our rate analysis, you’ll see Allstate was the cheapest insurance company in Florida and USAA was the most expensive insurance company for the coverage levels analyzed.

Home insurance: Florida rates by company for six coverage levels

$200,000 dwelling/$1,000 deductible/$100,000 liability $200,000 dwelling/$1,000 deductible/$300,000 liability
Allstate $2,254 Allstate $2,272
Travelers $2,283 Travelers $2,303
Florida Peninsula $3,271 Florida Peninsula $3,289
State Farm $3,692 State Farm $3,712
Universal $4,079 Universal $4,097
United $4,519 United  $4,537
USAA $4,925 USAA $4,925
$300,000 dwelling/$1,000 deductible/$300,000 liability $400,000 dwelling/$1,000 deductible/$300,000 liability
Allstate $3,212 Allstate $4,151
Travelers $3,435 Travelers $4,712
Florida Peninsula $4,124 Florida Peninsula $5,152
State Farm $5,493 State Farm $7,131
Universal $6,184 Universal $8,727
United  $6,642 United  $8,762
USAA $7,361 USAA $9,734
$500,000 dwelling/$1,000 deductible/$300,000 liability $600,000 dwelling/$1,000 deductible/$300,000 liability
Allstate $5,091 Allstate $6,031
Travelers $5,991 Florida Peninsula $7,207
Florida Peninsula $6,179 Travelers $7,268
State Farm $8,642 State Farm $10,214
United  $10,882 United  $13,000
Universal $11,001 Universal $13,274
USAA $12,076 USAA $14,433

Best Florida home insurance companies

The homeowners insurance company with the cheapest rates isn’t necessarily the best. Other factors to consider are customer service and claims processing. Insure.com’s 2017 Best Home Insurance Companies report ranks major insurers on feedback from 3,700 customers. They are asked about the value for the price, customer service, claims service and if they’d recommend the company.

Here are the top 10 for the Southern region of the country:

  1. USAA
  2. Chubb
  3. American Family
  4. Erie
  5. Allstate
  6. Nationwide
  7. State Farm
  8. The Hartford
  9. Travelers
  10. AIG

 Florida home insurance discounts

There are several ways to reduce your Florida home insurance costs, which will qualify you for home insurance discounts. Many insurers will lower your bill if you purchase more than one type of insurance policy from them. This process – known as "bundling" – can cut your costs by up to 15 percent, III says.

You can also cut your costs by making your home more disaster-resistant. Installing hurricane glass or accordion shutters might net you a discount.

According to III, other possible home insurance discounts include:

  • Installing smoke detectors, a burglar alarm or dead-bolt locks -- 5 percent each
  • Installing a sprinkler system, and a fire and burglar alarm -- 15 to 20 percent
  • Loyalty discounts -- up to 5 percent after three to five years, and 10 percent for six years or more

Florida home insurance FAQ

What is wind mitigation?

Another way to save money on insurance is to fortify your home against wind damage. Making additions and renovations to your home can make it more resistant to hurricane damage.

For example, you might seal the roof deck to keep storm water out. Or, you might install shatterproof glass. Such improvements can significantly reduce the price you pay for windstorm coverage. In fact, such discounts cut your insurance premium by up to 88 percent, according to the Florida Division of Emergency Management.

To get an estimate of how much you can save, check out the State of Florida's Wind Insurance Savings Calculator

Why do I need flood insurance?

If you have Florida home insurance, don't assume you are covered in the event of a flood. A homeowners policy does not cover flood damage -- the most common natural disaster in the U.S., according to III.

In the U.S., the federal government offers flood insurance to homeowners through the National Flood Insurance Program (NFIP).  Fail to buy this type of policy, and you will be out of luck if flood waters roll through your home.

How do hurricane deductibles work?

As noted above, an increasing number of insurance companies are turning to percentage deductibles when insuring homes. This is especially true for windstorm coverage.

A percentage deductible can be considerably more expensive than a traditional deductible. Instead of paying a flat fee of $1,000, you could be charged a percentage of your overall Florida home insurance coverage amount. A 2 percent deductible on coverage of $100,000 leaves you on the hook for $2,000.

Although this might seem onerous, III points out that such deductibles make insurance more affordable for policyholders who live in homes near the coast that are frequently in harm's way. 

The good news in Florida is that windstorm deductibles apply per season, not per storm. So if you have the misfortune to be hit by three storms in one year, just one single deductible will apply to them all.

What do I do if I can't get home insurance in Florida?

Some people struggle to find coverage. The Florida Market Assistance Plan allows these homeowners to locate and purchase coverage from authorized insurers in the private market. The toll-free telephone number is 1-800-524-9023.

Citizens Property Insurance Corp. is another option for homeowners who can't find good Florida home insurance coverage. For example, many Floridians use Citizens for windstorm coverage if they live in wind-pool areas near the coast that make their homeowners insurance company unlikely to provide windstorm protection.  

Are sinkholes covered?

Sinkhole coverage might or might not be part of your homeowners policy coverage. Insurers have the right to inspect your property and -- if evidence of sinkhole activity is found -- to decide not to offer you the coverage. They can also refuse coverage if your home is within a certain distance from confirmed sinkhole activity.

Is mold covered?

Mold that results from a covered peril -- such as a burst pipe -- typically is covered under a Florida home insurance policy. However, the amount of mold coverage often is capped at around $10,000. It might be possible to increase such limits by paying an additional premium amount. It's important to note that some policies do not cover mold damage at all.

What is an ordinance or law exclusion?

In some cases, a law or local building ordinance can make it more expensive to repair or replace your home. If this happens, your insurer typically is not obligated to pay this higher amount. However, some policies include ordinance or law coverage. In that case, the insurer would be obligated to pay the extra amount.

Where do I get claims processing info or file a complaint?

If you have concerns about how your claim was handled, call the Florida Department of Financial Services at 1-877-My-FL-CFO (1-877-693-5236). The department recommends that you keep records of all dates and times and names of company representatives when you communicate with your insurer about a claim.  Keep copies of written records and correspondence as well.

If you are unable to resolve a claim dispute with your insurer, mediation might be available. In this process, a trained, neutral mediator works with both sides and tries to reach a mutually satisfying agreement. The insurer pays for the service, and neither the insurer nor you are obligated to accept the result. To find out if you are eligible, call 1-877-My-FL-CFO (1-877-693-5236).

 

 

Methodology:

Insurance.com in 2016 commissioned Quadrant Information Systems to field home insurance rates from major insurers in each state for nearly all ZIP codes in the country for 75 coverage levels based on various dwelling and deductible limits. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Personal Property defaulted: 50%. Guest Medical limit: $5,000. Personal property: 50% of dwelling coverage for actual cash value.

 

 

 

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