Finding competitive, low cost homeowners insurance quotes in Florida does not have to be a chore. At HomeInsurance.com, you can fill out one form to get a low rate on comprehensive Florida home insurance coverage. Rest assured knowing our team of Florida licensed insurance consultants are standing by to give you top notch advice on homeowners insurance coverages and rates in your area.
The average Florida homeowner insurance rate in 2007 was $1534.00. It appears that rates have increased over the past 3 years, so make sure you shop your Florida home insurance policy today.
Since rates have increased in recent months, it’s important to continue to save money and find great coverage on your Florida homeowners insurance. Be sure to review your home insurance policy with your local Florida insurance agent regularly to ensure that you are qualifying for all available discounts. Also, check your Florida homeowners insurance policy to be sure you are still getting the coverage you need for your home and family.
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
- Hot summer weather gives rise to wildfiresTuesday, July 06, 2010
- Crist favoring veto of Florida home insurance billMonday, May 24, 2010
Other Florida Homeowners Resources:
- Home Insurance Quiz- How much do you know about your Florida home insurance policy? Quiz yourself!
- homeowner insurance Calculator- How much Dwelling Coverage do you need? See average dwelling costs in Florida
- Florida Home Inventory Checklist- Download and Print our home inventory checklist for free.
Search for home insurance in your Florida county:
- Alachua
- Baker
- Bay
- Bradford
- Brevard
- Broward
- Calhoun
- Charlotte
- Citrus
- Clay
- Collier
- Columbia
- De Soto
- Dixie
- Duval
- Escambia
- Flagler
- Franklin
- Gadsden
- Gilchrist
- Glades
- Gulf
- 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
For additional information about specific insurance laws in Florida, visit the Florida Department of Financial Services website.
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