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Homeowners insurance in Florida

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Florida Homeowners Insurance

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.

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. 

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

Here we will provide information on:

What is the average cost for homeowners insurance in Florida?

Florida's average home insurance rate is $3,643 which is nearly $1,338 more than the national average of $2,305 for the coverage level of:

  • $300,000 dwelling coverage
  • $1,000 deductible
  • $300,000 liability

Florida is the tied with Arkansas as the third most expensive state for home insurance. Oklahoma and Kansas are the top two, respectively.

Before we dive into the other research on costs and companies, you need to know what you’re buying and why, and how much you need.  So, let's look at the basic components of home insurance, and how much to get to make sure you’re not underinsured.

What does home insurance cover

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. Tallahassee has the least expensive neighborhoods for home insurance costs. analyzed home insurance rates from major insurance companies in nearly every ZIP code in Florida.

For $300,000 dwelling coverage with a $1,000 deductible and $300,000 liability limits, the average rate of $5,187 in Miami ZIP code 33135 is the highest for the city. Among the most expensive ZIP codes for home insurance in the state is 33070, $6,295 for Islamorada Village of Islands. All of Tallahassee’s ZIP codes came in with rates around $2,000, and are the cheapest Florida home insurance rates by ZIP code.

By entering your ZIP code in the search box in our tool below, you’ll see the average home insurance rate for that area, as well as the highest and lowest premium fielded from major insurers. Default rates are for coverage of $300,000 dwelling, $1,000 deductible and $300,000 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 ($6,407) for Gainesville ZIP 32606 is $1,466 more than the lowest ($1,034). That means you can save nearly $5,375 just by comparing rates and shopping around.

Florida homeowners insurance calculator


Florida homeowners insurance rates for 10 coverage levels

Here we show the average cost of Florida homeowners insurance for 10 coverage levels, based on a rate analysis by

Coverage Level Average Rate
$200,000 with $100,000 Liability$2,872
$200,000 with $300,000 Liability$2,876
$300,000 with $100,000 Liability$3,418
$300,000 with $300,000 Liability$3,643
$400,000 with $100,000 Liability$3,941
$400,000 with $300,000 Liability$3,962
$500,000 with $100,000 Liability$4,261
$500,000 with $300,000 Liability$4,287
$600,000 with $100,000 Liability$4,562
$600,000 with $300,000 Liability$4,576


Florida home insurance rates by deductible and liability limit

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 the highest deductible of $2,500, with the lowest liability limit of $100,000 $3,164. That’s $674 less than the same policy with a $500 deductible.

$200,000 dwelling/$100,000 LiabilityRate
$2,500 Deductible$3,164
$2,000 Deductible$3,246
$1,500 Deductible$3,515
$1,000 Deductible$3,575
$500 Deductible$3,838

What factors affect homeowners insurance rates in Florida?

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

Many factors influence home insurance prices. 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 homeowners insurance in Florida?

Phoenix, First Florida, Nationwide and Castle Key are the cheapest home insurance companies among those surveyed by You'll see that the average rate for the same amount of coverage varies significantly, which is why it pays to compare home insurance quotes.

Homeowners insurance rates for Florida by company

$300,000 dwelling/$1,000 deductible/ $300,000 LiabilityRate
First Florida$2,907
Castle Key$3,921
State Farm$4,237


What is the best homeowners insurance in Florida?

USAA, American Family, Safeco, Allstate and State Farm ranked highest for customer service in's 2021 review.’s Best Home Insurance Companies report ranks major insurers on feedback from 2,700 customers. They are asked about the value for the price, customer service, claims service and if they’d recommend the company. Here are how home insurance companies in Florida ranked on these variables.

Ranking Company Stars out of five
2American Family****1/2
5State Farm****
6AIG (American International Group)****
12Liberty Mutual***1/2


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 homes underwater by county

When a home is underwater it means the homeowner owes more on the mortgage than the home is worth in the current market. For example, if the principal balance on your mortgage is $250,000 but the fair market value of the home is $200,000, your home is underwater. In other words, you could not sell the home and make enough from the sale to pay off your mortgage.

According to’s 2020 analysis of second quarter data in Florida, the counties of Gulf, Jackson and Gadsden have the highest percentage of underwater homes in the state. Sumter, Clay and Pinellas have the lowest percentage of underwater homes.

County% Underwater% with Equity
De Soto8.1%32.6%
Indian River5.3%30.4%
Saint Lucie5.0%27.5%
Palm Beach4.8%29.9%
Saint Johns4.5%20.0%
Santa Rosa4.3%19.3%

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 homeowners 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: in 2020 commissioned Quadrant Information Systems to field home insurance rates from major insurers in each state for nearly all ZIP codes in the country for 10 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.