Florida Homeowners Insurance Quotes

Homeowners insurance data in Florida including average premiums.

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Shopping for Florida homeowners 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 December were approximately $1084.00 which have increased since November when rates were around $1063. 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
Dec 2011Nov 2011Oct 2011Sep 2011Aug 2011
$1084.00$1063.00$1063.00$1068.00$1067.00

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

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.

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Customer Reviews in Florida

The top 2 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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