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Florida Home Insurance Quotes

Average home insurance rates, coverage and discounts information in Florida.

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Florida home insurance today.

Zip Code:
Year Built:
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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
Apr 2013Mar 2013Feb 2013Jan 2013Dec 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 1Home 2Home 3Home 4Home 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
† Estimate if the homeowner had bundled coverages.

Standard Florida Home Insurance Coverages

Coverage
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.

Other Florida Homeowners Resources:

Search for home insurance in your Florida county:

Customer Reviews in Florida

The top customer reviews on HomeInsurance.com service and savings in Florida.
5 Star Rating
Savings: $320/year
Customer: Casey C.
Date: Jan 13, 2012
It's not easy to find this level of customer service these days- outstanding work on behalf of your consultants.
Spring Hill, FL
4 Star Rating
Savings: $557/year
Customer: Mark A.
Date: Aug 12, 2009
Big Savings! Thanks. Great Website...
Miami, FL

For additional information about specific insurance laws in Florida, visit the Florida Department of Financial Services website.

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