Trusted Providers Only Home Insurance in Florida — From $45/mo
Find home insurance options in Florida. Work only with vetted, hurricane-aware carriers
No fees. No obligations. Soft check only.
We work with top companies to find the best match for you!
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Why compare Home Insurance in Florida?
Prices can vary widely across providers in Florida. Whether you’re in Miami or Orlando, comparing quotes helps you find better coverage for less.
What you get
- Work only with vetted, hurricane-aware carriers
- Wind Mitigation Credits
- Bundle & Save options where available
Rates in Florida
Typical annual rates start from $540 (based on plans from $45/mo)
Florida has the highest home insurance premiums in the US — averaging $3,600/year and rising. Several major carriers have exited the Florida market since 2022, leaving fewer options and higher prices. Hurricanes, flooding, and roof claims drive costs. Wind mitigation inspections and impact-resistant features can reduce premiums significantly. Comparing available carriers is essential as the market continues to change.
Estimated monthly rates by home profile in Florida
Estimates vary by property type, age, and location within Florida. Here's what homeowners often see:
| Home profile | Est. monthly | New construction | Flood available |
|---|---|---|---|
| Single family, $250k–$400k value | $95–$145 | No | ✓ |
| Single family, $400k–$600k value | $145–$220 | No | ✓ |
| Coastal/waterfront property | $200–$350 | No | ✓ |
| New construction (post-2002) | $75–$115 | Yes | ✓ |
| Condo unit | $45–$85 | No | ✓ |
Work only with vetted, hurricane-aware carriers
Get Trusted Providers Only plans starting at $45/mo — includes Wind Mitigation Credits.
Compare Quotes NowCustomer Satisfaction & Complaint Score breakdown
Real-world claim and customer experience indicators from widely recognized insurers.
Frequently Asked Questions
Why is home insurance so expensive in Florida?
Florida faces hurricane risk statewide, high flood exposure in coastal and low-lying areas, a historically high rate of roof claims and litigation, and significant carrier exits from the market since 2022. Fewer competing carriers means higher prices for remaining ones.
Can I get home insurance in Florida if carriers keep leaving?
Yes, but your options have narrowed. Several major national carriers have stopped writing new policies in Florida, but comparison platforms help identify which carriers are still actively writing in your ZIP code and at what rates.
Does Florida home insurance cover hurricane damage?
Wind damage from hurricanes is covered under standard policies, but most Florida policies have a separate hurricane deductible — typically 2–5% of your home's insured value. On a $400,000 home with a 2% deductible, that's $8,000 out of pocket before insurance pays.
What is a wind mitigation inspection in Florida?
A wind mitigation inspection assesses your home's hurricane resistance — roof shape, roof covering, roof deck attachment, and opening protection. Homes with strong wind mitigation features qualify for significant premium discounts, sometimes 20–40%.
Does Florida home insurance cover flooding?
No. Standard Florida homeowners insurance excludes flood damage. Flood insurance is a separate policy — critical in Florida given its low elevation and hurricane storm surge risk.
How can I lower my Florida home insurance cost?
Get a wind mitigation inspection and apply any qualifying discounts. Install impact-resistant windows or shutters. Ensure your roof is new or recently replaced (older roofs are a major cost driver in FL). Bundle home and auto. Compare carriers — Florida rates vary enormously between carriers.