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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

Why is home insurance so expensive in Florida?

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.

How long does a home insurance claim take 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)

Does homeowners insurance cover flooding in Florida?

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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Our Carriers

AAA - Auto Club Group
Accident Fund
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Aetna
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All Risks, Ltd.
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Allied Trust
Allstate
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American Capital
American Collectors
American Modern
American Reliable
American Strategic Insurance (ASI)
Ameritas
AmSuisse
AmTrust North America
AmWins
Anchor
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Apogee Insurance Group
Appalachian
Arlington Roe
Assurant
Atlas Insurance
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Blue Cross Blue Shield
Berkshire Hathaway
Berkshire Hathaway Guard
Bollinger
Bond Exchange
Brazos Specialty Risk
Brown + Brown
BRS

Builders + Tradesmen’s Ins. Svcs.
Builders Trust
Burns + Wilcox
Cabrillo Coastal
Centauri
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Century Surety Company
Chamber Insurance Co. LLC
Charter Lakes
Chubb
ClearBlue
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CNA Surety
Coastal Select Insurance Company
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Covington Specialty Ins. Co.
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FEMA
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Foremost Star
Foremost Bristol West
Frank Crum
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Garfield
Germania Mutual
Germania General Agency

Gladius Insurance Services LLC
GMAC
Great American Insurance Co.
Griffin
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Gulfstream
Hagerty
Hagerty Marine
Hallmark
Halton Hall
Hamann Insurance Group
Hartford
HDI Global
Heacock
Hearth
Heritage
Hiscox
Hochheim Prairie
Homeowners Choice Property + Casualty
Homeowners of America
Houston General Insurance
Hudson
Ian H Graham
ICat
IIAT Insurance Agency Inc.
Indian Harbor Insurance Co.
Insure Ind. Co.
InsureWise LLC
Ironshore Specialty Insurance Co.
Irwin Siguel Insurance Co.
JC Taylor
JH Ferguson + Associates
John Hancock
Joseph Chiarell + Co.
Kemper
Kemper Trinity
Kinsale Insurance

Legal Shield
Liberty Mutual
Lighthouse
Litchfield Special Risk
Lloyd's of London
Louis A Williams + Associates
Maison
Markel
Market Finders
Maxum Specialty Insurance
McGallon Onally
McGraw Insurance Services
Medco Insurance
Medjames Inc.
Mercury Insurance
Metlife
MexiPass
Mitchfield Special Risk Ins.
Molina
Mutual of Omaha
NatGen Premier
National Continental Ins. Co.
National Farm Life
National Flood Insurance Program
National General
National Lloyds
NC Rate Bureau
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NCJUA/NCIUA
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New Mexico Mutual
NFS Edge Insurance
NM Health Insurance Alliance
Northeast Agencies
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Ohio Casualty
Old Republic Surety Company

Orchid Wind
Palomar
Personal Umbrella
Philadelphia Insurance Companies
PLUS Inc.
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Roberts + Crow Inc.
RSI International
RSUI Indemnity
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Scottsdale Indemnity
Seacoast Underwriters
Selective
SIS Insurance Services
SkiSafe
Snap Insurance
South and Western
Southern Cross Underwriters
Southern Vanguard
Spinnaker
STAA
Starr Companies
StarStone Ntl Insurance
State Auto
Stateline
Statewide Corp
Sweat + Cranford

Swyfft
TAIPA
Tapco
Tejas American General Agency
Texas Fair Plan
Texas Mutual
Texas Security General Insurance
Texas Specialty Underwriters
Texas Windstorm
Titan
Tower Hill
Towerstone Inc.
Transamerica Life
Travelers Personal
Travelers Commercial
Tryton Insurance Group
United Healthcare
United Marine
Universal of North America
Universal Property + Casualty
Unun Life Insurance
US Assure
USG Insurance
USLI
Velocity Risk Underwriters
Watford Insurance
Wellington
West Chester
Westchester Surplus Lines Insurance Co.
Western National
Western Surety Company
Weston
Windhaven
Woodlands Insurance Services
Wright Flood Insurance
Wright National Flood
Zurich

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