Best Homeowners Insurance in Florida

We have gathered information from around 120+ insurance firms to help you choose the most affordable home insurance rates in Florida
Top 5 affordable home insurance companies in Florida
Home insurance prices in Florida
Florida homeowners insurance costs: by city
Homeowners insurance deductibles in Florida
Home and auto insurance bundles in Florida

Everything about homeowners insurance in Florida.

The average cost for home insurance in Florida is $1,402 per annum or $115 per month. Regular premium costs are about average compared to the rest of the US — although Floridians do pay 5% more per annum . The efficient way to get a affordable homeowners policy in Florida is to urge quotes from as many insurance firms as possible. Unlike automobile insurance , homeowners insurance isn't controlled by state legislation. Even so, the difference in home insurance rates exists from one state to another. Policy prices in states may vary based on the entire number and value of house owners claims filed therein particular state, and depend upon the worth of the belongings and structures covered by the policy.
Check out more about average homeowners insurance rates in Florida given below. Your rates may vary, counting on your coverage limits.

Homeowners Insurance Rates for Florida

Average Monthly Premium $147.08

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Top 5 affordable home insurance companies in Florida

Home insurance rates in Florida vary depending on which insurer you employ. Security First offers the best deal on home insurance in Florida, at just $532 yearly. This compares favorably to the state monetary value of $1,452, providing a $911 discount on the average policy costs statewide. Look out for a home insurance policy by observing the most affordable Florida home insurance companies given below.

Home Insurance Rates In Florida: By Company

Insurance CompanyAverage Yearly Rate in Florida
Security First$532
State Farm$745
ASI Preferred$1,330
Castle Key$1,353

Average Homeowners insurance Rates - Florida

Home insurance prices in Florida

Your chosen amount of home insurance coverage has an impression on the insurance premiums you pay. In Florida, carrying $100K dwelling coverage costs $811 per annum , on the other hand carrying coverage up to $400K costs $2,697 every year.

Homeowners Insurance Rates In Florida — Common Coverage Amounts

Coverage LevelAverage Annual Cost
$100,000 Dwelling$811
$200,000 Dwelling$1,452
$250,000 Dwelling$1,721
$400,000 Dwelling$2,697

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Florida homeowners insurance costs: by city

Not all cities in the Florida have an equivalent homeowners insurance rates. Prices for property insurance may depend upon locally specific variables like the number of local claims filed, the likelihood of perils like vandalism and natural disasters, and more, lending your ZIP code lots of weight in deciding how much you pay. Hernando Beach has the most affordable home insurance in Florida.
A mean home policy in Hernando Beach costs Floridians just $1,034 annually — $410 but the statewide average. The cities listed below have the foremost affordable home insurance in Florida.

Cheapest Home Insurance Cities In Florida

CityAverage 12-Month Home Insurance Rate
Hernando Beach$1,038
Spring Hill$1,055
Flagler Beach$1,069

Homeowners insurance deductibles in Florida

Homeowners in Florida have to make numerous selections when buying a homeowners policy, which includes the number of their deductible. When choosing a deductible, keep in mind that the higher your deductible is, the lower your insurance rates are going to be .
So you might have to set a higher deductible if you're hoping to lock in lower insurance rates. Confine mind that your deductible should only be set as high as you can reasonably pay if you incur a loss.
The subsequent chart reveals the standard premiums related to deductibles offered by most home insurers.

Home and auto insurance bundles in Florida

If you would like to save lots of , consider carrying your home and auto policies with an equivalent insurance firm . Bundling auto and homeowners insurance in Florida can prevent a considerable sum monthly on your auto policy . In fact, bundling policies in Florida results in a yearly discount of $83.

Home And Auto Insurance Bundling Discounts In Florida

Avg. Annual Rate(No Bundle)Avg. Annual Rate (w/ Bundle)
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