Florida Home Insurance Quotes — Hurricane-Ready Coverage
Florida homeowners face a unique market. We work with carriers that actually write business in Florida — including specialty insurers for high-risk and non-standard properties.
- Bank-level encryption
- FL-licensed agents
- We never resell your data
Florida home carriers we shop
- Citizens Property Insurance
- Universal Property & Casualty
- Heritage Insurance
- Progressive
- Allstate
- State Farm
Carrier availability varies by ZIP, risk, and prior claims. We’ll match you only to carriers actively writing your profile.
How it works
Three steps to a real home quote.
No call centers, no data resale, no captive sales pressure.
- 01
Tell us what you drive, own, or insure
A quick intake — ZIP, basics, what you have today. Takes about ninety seconds.
- 02
We shop our Florida carrier panel
Independent agents compare rates and coverage across our appointed carriers — not just one.
- 03
Pick the best fit. We bind same day.
Review your real quotes side-by-side with a Florida-licensed agent. No fees, no spam.
Florida market
What makes Florida home insurance different
The Florida home insurance market has been in upheaval. Many national carriers have pulled back or stopped writing new business; several Florida-only insurers have gone insolvent. The result: fewer choices and higher premiums than almost any other state.
Most Florida homeowners need wind/hurricane coverage (sometimes with a separate hurricane deductible expressed as a percentage of dwelling coverage), and standard policies do NOT cover flood damage. Many Floridians need a separate flood policy on top of their HO-3.
If you've been non-renewed, your home is older than 25 years, has a tile roof at end-of-life, or sits in a flood-prone area, we work with the specialty carriers that still write these risks — often including Citizens Property Insurance, Florida's state-backed insurer of last resort.
What’s covered
Florida home coverage breakdown
The protections we recommend, ranked by what Florida actually requires.
- Highly recommended
Dwelling (Coverage A)
Pays to rebuild your home if destroyed. Set this at the cost to rebuild — not market value.
- Highly recommended
Other Structures (B)
Detached garage, pool cage, fence, shed. Usually 10% of Dwelling.
- Highly recommended
Personal Property (C)
Furniture, electronics, clothing. Usually 50-75% of Dwelling.
- Florida required
Hurricane / Wind
Florida-specific. Often a separate percentage deductible (2%, 5%, 10%) of Coverage A.
- Highly recommended
Loss of Use / ALE
Pays for hotel and meals if your home is uninhabitable after a covered loss.
- Highly recommended
Liability
If someone is hurt on your property and sues, this pays defense costs and judgment up to your limit.
Florida averages
Average Florida homeowners insurance by home value
| Coverage level | Avg. monthly |
|---|---|
| $200K dwelling, no extras | $220 |
| $400K dwelling, hurricane zone | $385 |
| $700K dwelling, coastal | $610 |
Florida averages run roughly 2-3× the national average. Your premium depends heavily on roof age, distance from coast, construction type, and prior claims.
Common questions
Florida home insurance FAQ
Real answers, written by Florida-licensed agents.
Bundle & save
Save more by bundling
Carriers offer multi-policy discounts of 10–25%. Pair home with another line and we’ll quote both together.
Ready when you are
Ready to compare Florida home insurance?
Florida-licensed agents · Multiple carriers · Instant quote