Guide to home insurance in Florida (2024)

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Find the best home insurance companies in your area, learn about the average cost of home insurance where you live, and more with our ultimate guide to home insurance in Florida.

Learn more about home insurance in Florida

Best home insurance companies in Florida

Cheapest home insurance in Florida

Average cost of home insurance in Florida

How to buy home insurance in Florida

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Best mobile home insurance in Florida

When is hurricane season in Florida?

Florida home insurance crisis, explained

Florida home insurance cancellation laws

How to get home insurance if you have a bad roof

What is windstorm insurance & do I need it? 

How to pass a wind mitigation inspection

What to do if your home insurance company goes bankrupt

How to get insurance if you fail your home inspection

How to file a claim after a hurricane

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Latest on Florida's home insurance crisis

With insurance companies limiting their coverage or leaving Florida, it can be difficult to track which insurance options are (and aren't) available. To help Florida homeowners navigate this complex situation, we put together a roundup of the latest and most pressing insurance news from across the state.

A survey by Redfin and Zillow reports that 11.9% of homeowners in Florida plan to move in the next year due to climbing insurance rates — compared to just 6.2% of U.S. homeowners who plan to move on the national level. (April 2024)

A report slams Demotech — the rating firm that measures the financial strength and stability of insurance carriers in Florida — for inflating ratings of Florida home insurance carriers. "Nearly 20% of the companies doing business in Florida that Demotech rated as financially stable went insolvent during the period 2009 to 2022." This report hints that the home insurance market in Florida may be even more at risk than everyone originally thought. (April 2024)

Florida Governor Ron DeSantis warned homeowners that Citizens Insurance, the state-backed insurer of last resort, was insolvent. However, economists and insurance experts have ruled that this statement is mostly false. "Insolvency means a company cannot pay its bills today. That’s not so with Citizens, which has a $5 billion surplus and expects a surplus of more than $6 billion by the end of 2024." (March 2024)

Here's a look at some of the latest home insurance companies to pull back on coverage in Florida, along with those that are still writing policies in the Sunshine State.

Nationwide not renewing some policies in high-risk areas (December 2023)

Farmers Insurance no longer selling new policies (July 2023)

AAA not renewing some policies in high-risk areas (July 2023)

AIG no longer selling or renewing policies (March 2022)

Progressive no longer selling new policies (April 2022)

You can stay up to date on which companies are still writing policies in Florida with our Home Insurance Availability Guide for States in Crisis.

First person experience

Patricia Bothwell Hagan has faced some difficulty insuring her 2 bedroom condo in St. Petersburg, FL. “The issue has been that the number of insurers writing homeowners policies is limited in Florida, especially if you are near the water—which we are. Rates have increased significantly over the past couple years and, due to the limited number of insurers, shopping around for better rates is difficult.”

Luckily, Patricia feels like she is adequately covered, even if the policies are more expensive than she’d like. “I do feel like we are adequately insured, in part because we only need to insure the inside of our property, like the interior walls and furnishings.”

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Best Florida home insurance company reviews

Company

Average annual cost

Security First Insurance

$721

Tower Hill

$1,189 

State Farm

$2,227

Universal Property

$2,314

Citizens

$4,658

Slide Insurance

N/A

Frontline Insurance

N/A

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Methodology & why you can trust our rates

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

Dwelling: $300,000

Other structures: $30,000

Personal property: $150,000

Loss of use: $60,000

Liability: $300,000

Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Find the best home insurance companies in your city

City

Average annual cost

Fort Myers

$1,909

Jacksonville

$1,884

Miami

$3,572

Naples

$2,502

Ocala

$1,945

Orlando

$2,315

Tallahassee

$1,888

Tampa

$2,266

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Find your best home insurance rates in Florida with our free tool

Your data security is our priority.

Author

Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Questions about this page? Email us at [email protected].

网址：Guide to home insurance in Florida (2024) https://c.klqsh.com/news/view/286102

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