Florida Home Insurance Quotes
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Call Us Now: Shopping for Florida home insurance quotes just got easier. Fill out one quote form on HomeInsurance.com and our team of licensed agents will compare your policy with the top-rated insurance providers in the country. It's the easiest way to know you're getting the best home insurance rates in Florida. We are now offering comparative rates on auto insurance too, which could save you even more.
Our team of licensed agents will shop for your Florida home insurance policy and help you get the best rate on the most comprehensive coverage. And we can help you get apples-to-apples comparisons for multiple FL insurance providers.
Get the Best Home Insurance Rates in FL
Average Florida home insurance rates in April were approximately $1164.00 which have decreased since March when rates were around $1165. Average rates in the area reflect premiums on new policies sold by HomeInsurance.com in Florida. For a full list of premiums by state visit our RateReport.
Average Premiums for Home Insurance In Florida |
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| Apr 2013 | Mar 2013 | Feb 2013 | Jan 2013 | Dec 2012 |
| $1164.00 | $1165.00 | $1157.00 | $1166.00 | $1157.00 |
Homeowners insurance discounts are one of the best ways to get a low insurance rate while also maintaining great coverage. Though average home insurance rates in Florida decreased it is important to qualify for all the discounts you can to make sure you aren't overpaying. Bundling your home and auto insurance with one insurance provider can get you savings between 15 and 25 percent. Likewise, you may qualify for additional savings if you haven't filed any claims in the past, or if you've got additional home protection (fire and burglar alarms) for your Florida home.
Enter your ZIP code in one of the forms above or call 1-877-295-3422 now to start getting Florida home insurance quotes tailored to your needs. Our agents will work with multiple carriers to get you the best rates for your FL policy. They'll also get every available discount they can for you. Potential discounts include the following:
- Home-auto bundle. Save up to 20% by buying both coverages from the same provider.
- Nonsmokers. Save up to 20% if no one in your households smokes.
- New home. If your home was built within the past 10 years, you could save up to 20%.
- 55 or older, retired. Save up to 20% - certain conditions apply.
- Claims-free. Save up to 20% if you haven't filed any home insurance claims within the past 10 years.
- Alarm systems. Save up to 10% if you have one. You'll need a certificate from your provider.
- Fire/smoke detectors and deadbolt locks also could mean savings.
Discounts vary widely by provider. All discounts aren't available in every state.
See what your neighbors in Florida are paying
Curious about how much you could save on your home insurance premiums? Here are details of the last five policies written in Florida by HomeInsurance.com agents.
Premiums vary according to square footage, location, features of the home and other factors.
| Home 1 | Home 2 | Home 3 | Home 4 | Home 5 | |
|---|---|---|---|---|---|
| Premium Amount | $873 | $973 | $720 | $1,369 | $2,193 |
| Premium with Auto Discount | $873 | $973 | $720 | $1,369 | $2,193 |
| Carrier | ASI | ASI | ASI | ASI | ASI |
| Zip | 34711 | 32258 | 32822 | 34984 | 32514 |
| Year Built | 1973 | 2013 | 1981 | 2003 | 1999 |
| Foundation type | Slab | Slab | Slab | Slab | Slab |
| Lot Size | N/A | N/A | N/A | N/A | N/A |
| Square Feet | N/A | N/A | N/A | N/A | N/A |
| Bedrooms | N/A | N/A | N/A | N/A | N/A |
| Bathrooms | N/A | N/A | N/A | N/A | N/A |
| Discounts | | | | | |
| Primary Heat Source | Central Electric | Central Electric | Central Electric | Central Electric | Central Electric |
Standard Florida Home Insurance Coverages
| A | Dwelling: A standard Florida homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril |
| B | Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Florida home insurance policy |
| C | Contents/Personal Property: A Florida home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings. |
| D | Loss of Use: If your Florida home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home. |
| E | Personal Liability Protection: In Florida, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property. |
| F | Medical Payments: Medical Payments coverage, or Florida MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved. |
Florida Homeowners Insurance News
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More than $700B in property at flood risk from hurricanesThursday, June 07, 2012
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Hurricane expert says many consumers downplay storm severityTuesday, June 05, 2012
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Tropical Storm Beryl soaks parts of Florida, GeorgiaTuesday, May 29, 2012
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Massive FL sinkhole forced evacuationsMonday, May 07, 2012
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Wildfires spring up across the East CoastTuesday, April 10, 2012
Other Florida Homeowners Resources:
- Disaster Preparedness Guide- Make sure your home and family is protected.
- See the most popular Frequently Asked Questions by other Florida homeowners.
- Visit the Homeowners Blog to read the latest news affecting Florida homeowners today!
Search for home insurance in your Florida county:
- Alachua
- Baker
- Bay
- Bradford
- Brevard
- Broward
- Calhoun
- Charlotte
- Citrus
- Clay
- Collier
- Columbia
- DeSoto
- Dixie
- Duval
- Escambia
- Flagler
- Franklin
- Gadsden
- Gilchrist
- Glades
- Hamilton
- Hardee
- Hendry
- Hernando
- Highlands
- Hillsborough
- Holmes
- Indian River
- Jackson
- Jefferson
- Lafayette
- Lake
- Lee
- Leon
- Levy
- Liberty
- Madison
- Manatee
- Marion
- Martin
- Miami-Dade
- Monroe
- Nassau
- Okaloosa
- Okeechobee
- Orange
- Osceola
- Palm Beach
- Pasco
- Pinellas
- Polk
- Putnam
- Saint Johns
- Saint Lucie
- Santa Rosa
- Sarasota
- Seminole
- Sumter
- Suwannee
- Taylor
- Union
- Volusia
- Wakulla
- Walton
- Washington
Customer Reviews in Florida
For additional information about specific insurance laws in Florida, visit the Florida Department of Financial Services website.
