Florida Homeowners Insurance

Shopping for homeowners insurance shouldn't be complicated. Compare rates by city and company below.

How to get cheap home insurance in Florida


Homeowners insurance may be optional, but it's important. It helps to protect your belongings in the event your house is damaged. Home insurance protects your dwelling and property from an array of calamities, such as theft, fire, vandalism, or wind damage.

Large gulfs exist in homeowners insurance rates from state to state. Home insurance costs in US states may differ depending on the number and cost homeowners policy claims filed statewide, and depend on the value of the belongings and structures covered by the policy.

The best way to acquire an affordable homeowners insurance policy in Florida is to shop around and compare rates from a variety of insurance companies. Learn typical homeowners insurance rates in Florida via the below breakdown. Remember: your home insurance rates will vary, depending on your coverage limits.


Homeowners insurance in Florida:
  1. By company
  2. By city
  3. Insurance bundling discounts


Home insurance prices in Florida by carrier

Rates for home insurance in Florida will vary depending on the insurance company you choose. Security First offers the most affordable home insurance in Florida, at just $535 per year. This compares favorably to the state mean rate of $2,133, providing a $1,598 discount on the state's average rate.

Start looking for cheap home insurance by viewing average rates from top Florida home insurance carriers, listed below.


HOMEOWNERS INSURANCE RATES IN FLORIDA: BY CARRIER
Insurance CompanyAverage Annual Rate in Florida
Security First$535.33
State Farm$740.31
ASI Preferred$1,332.77
Castle Key$1,351.38
Federal$1,481.92


Florida home insurance costs by city

Home insurance rates in Florida vary by city. Pricing may depend on local variables such as the number of claims filed in the immediate area, meaning your specific ZIP code impact how much you pay.

The cheapest home insurance rates in Florida are available in Spring Hill. A typical home insurance term in Spring Hill costs just $1,194 each year — $939 less than the statewide average. The below cities have the most affordable home insurance in Florida.


AFFORDABLE CITIES FOR HOME INSURANCE IN FLORIDA
CityAverage Annual Home Insurance Rate
Spring Hill$1,194.48
Gainesville$1,246.37
Tallahassee$1,292.44
Jacksonville$1,488.17
Palm Bay$1,564.89


Homeowners and auto insurance bundles in Florida

If you're trying to save, consider holding your home and auto policies with the same insurance company. Bundling homeowners and auto insurance in Florida can lead to substantial savings on your auto insurance policy. Bundling policies in Florida leads to a yearly discount of $85.


HOME AND AUTO INSURANCE BUNDLING SAVINGS IN FLORIDA
Avg. Annual Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,995.00$1,910.00$85.004%


A great way to save is to bundle your auto and homeowners insurance policies. Compare rates today!


Compare insurance rates now!