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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 homeowners insurance rates in Florida. We are now offering comparative rates on auto insurance too, which could save you even more.
Average Florida home insurance rates in September were approximately $1068.00 which have increased since August when rates were around $1067. 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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| Sep 2011 | Aug 2011 | Jul 2011 | Jun 2011 | May 2011 |
| $1068.00 | $1067.00 | $1073.00 | $1072.00 | $1064.00 |
Homeowners insurance discounts are one of the best ways to get a low insurance rate while also maintaining great coverage. Since average home insurance rates in Florida increased it is important to qualify for all the discounts you can to make sure you aren't overpaying. Packaging 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 by being claims free or having protection devices (fire and burglar alarms) on your Florida home.
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
- Louisiana homeowners insurance rate hikes slowingTuesday, January 17, 2012
- Florida lawmakers pushing for auto, home insurance reformsWednesday, December 21, 2011
- Florida hurricane fund faces shortfallFriday, October 21, 2011
- Hurricane Irene strengthens, takes aim at Carolina coastTuesday, August 23, 2011
- Florida's insurance company to borrow nearly $1B before hurricane season Friday, May 13, 2011
Other Florida Homeowners Resources:
- Disaster Preparedness Guide- Make sure your home and family is protected.
- See the most popular Frequently Asked Questions by other homeowners.
- Visit the Homeowners Blog to read the latest news affecting homeowners today!
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
Customer Reviews in Florida
For additional information about specific insurance laws in Florida, visit the Florida Department of Financial Services website.
