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Insurance Cost

The typical home insurance policy in some of the lowest costing areas costs $1,194 each year — that’s $939 less than the statewide average. Reference the below table to see the cheapest cities in Florida for home insurance.

Insurance Savings

Insurance companies offer very affordable home insurance in Florida As low as $535 per year. This compares favorably to the state average rate of $2,133, offering a $1,598 discount on average statewide homeowners insurance costs.

TIPS FOR THE BIGGEST INSURANCE

In Florida, bundle your home and auto Insurance policies for the best chance at the biggest discount. Consider purchasing both your homeowners and auto Insurance from one company. Bundling auto and home Insurance in Florida can save you a substantial amount of money. So be sure to ask about bundling… Because when you bundle… you save a bundle!
 

AVERAGE HOME & AUTO
BUNDLING DISCOUNT

4% – 9%

Florida Homeowners Insurance FAQs

Given the propensity for extreme weather events, Florida is a very risky state in which to sell insurance. As such, many providers charge higher rates to offset the risk of insuring properties in Florida.

This varies by company and the specifics of the claim.
Wind protection provides coverage to a building’s exterior and overall structure. Depending on your policy type, you may find that interior damage is only covered when it occurs as caused by exterior damage, like a tree branch breaking a window. Detached structures are also covered, normally about 10% of the home’s insured amount. It’s important to remember that some losses brought about by the storm may not be covered. For instance, if the storm that produced the tornado also causes flooding that damages your home, your home won’t be covered unless you’ve specifically purchased flood insurance.
Hurricane insurance in Florida
Because hurricanes can cause calamitous damage and destroy properties altogether, insurance companies are reluctant to assume the full risk of hurricanes as a whole. If you live in Florida, you could face increased risk of suffering hurricane damage. In fact, 351,093 single-family residences are at elevated risk of hurricane damage in Florida.*
If you own a home near the coast, it’s essential to confirm the details of your homeowners insurance policy since usually a basic policy won’t be enough to cover hurricane damage — you would need to reinforce your policy with windstorm and flood insurance, which would work together to cover the damages. In some states, your insurer may make it compulsory to have a separate hurricane deductible if you live somewhere that’s at high risk for hurricanes.
While “hurricane insurance” doesn’t actually exist as a standalone product, most homeowners policies will typically cover most perils associated with the storm. Homeowners in regions prone to hurricanes and tropical storms could face what is known as a “windstorm” or “hurricane” deductible. This type of deductible is only triggered when certain severe weather conditions are present. Also, it is oftentimes much higher than an ordinary deductible and is usually a fixed percentage of the value of your home. Be aware that flooding is never covered on a standard policy and needs to be added on through — in most cases — the National Flood Insurance Program.
Below are some affordable choices for hurricane coverage in Florida. Please treat the following rates as mere estimates. For rates specific to your property, it’s best to reach out to these companies directly.
AFFORDABLE HOMEOWNERS HURRICANE COVERAGE IN FLORIDA
Insurance Company Average Annual Earthquake Insurance Rate
State Farm                                                 $1,797
Security First                                             $2,206
American Strategic                                   $2,338
United                                                         $2,507
Peoples Trust                                             $2,666
 
*Source: Insurance Information Institute (https://www.iii.org/fact-statistic/facts-statistics-hurricanes)
Flood damage — whether a byproduct of a downpour or a hurricane —is not covered by homeowners insurance policies.
 
Flood insurance coverage from private companies may vary, but NFIP flood insurance covers:
 
$250,000 for your home’s structure
$100,000 for your personal property
If the value of your personal property and home exceed these limits, consider purchasing a policy from a private company for additional protection.
 
Flood insurance is a necessity for many in Florida, which faced $17,024,301 in flood insurance claims in 2016, according to the Federal Emergency Management Agency.
 

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