Average homeowners insurance cost in Florida

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

The average cost of home insurance in Florida is $4,405 per year for a standard policy.

Your premium is shaped by the dwelling coverage limit you select and the level of protection you need. Broader coverage generally means a higher cost. Higher coverage means higher premiums. Travelers stands out for its more affordable rates in the state, offering solid value as you weigh different levels of coverage.

Compare quotes from multiple insurers and ask each one what discounts they offer. Premiums can differ significantly from company to company because they weigh things like where your home is located, how old it is, what it’s built from, the shape your roof is in, and your past claims. Pulling several quotes tied to your specific address is the surest way to spot the best value.

Key Takeaways

Based on our data, homeowners insurance in Florida costs an average of $4,405 per year.
Among all ZIP codes in Florida, 32306 has the most affordable rates, averaging around $2,895 annually.
For the lowest insurer rates in Florida, Travelers comes in at an average annual premium of $1,755.

What is the average cost of homeowners insurance in Florida?

The average homeowners insurance premium in Florida is $4,405 per year. That figure is based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Florida? Cost by coverage level

The typical homeowners insurance policy in Florida runs $4,405 per year, assuming $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

Stepping up to $400,000 in dwelling coverage, with the same liability and deductible settings, brings the average annual cost to $5,520 in Florida.

The table below shows average homeowners insurance costs in Florida for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$3,754	$313
$200,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$3,773	$314
$300,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$4,405	$367
$300,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$4,419	$368
$400,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$5,520	$460
$400,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$5,516	$460
$600,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$9,617	$801
$600,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$9,637	$803
$1,000,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$17,142	$1,428
$1,000,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$17,162	$1,430

Average home insurance cost in Florida by insurer

The most affordable homeowners insurance in Florida comes from Travelers, which averages $1,755 per year. Security First Insurance and Nationwide are also worth considering.

Shopping around can save you hundreds, or more, each year.

Below are average annual and monthly premiums for Florida homeowners, based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Travelers	$1,755	$146
Security First Insurance	$4,185	$349
Nationwide	$5,611	$468
American Integrity Insurance	$5,890	$491
State Farm	$6,211	$518
HCI Group Inc	$6,267	$522
Progressive	$6,518	$543
Heritage Insurance Holdings	$8,001	$667
FedNat Holding	$9,827	$819
Universal Insurance Holding	$10,736	$895
Allstate	$12,424	$1,035
Citizens Property Insurance	$20,527	$1,711

How to lower your home insurance rate

Shop around. The first quote you receive is rarely the best one. Getting estimates from at least three or four insurers gives you a clearer picture of what’s available in Florida.
Bundle your policies. Combining home and auto insurance, or renters and auto, with the same provider is one of the most common ways to unlock multi-policy discounts.
Ask about smart home discounts. Security systems, smoke detectors, and leak sensors are the kinds of upgrades that can bring your premium down.
Check for other savings. Loyalty discounts, claims-free rewards, and home improvements like fire-resistant roofing are worth asking about at renewal.

How does your ZIP code affect home insurance rates in Florida?

Your ZIP code is one of the biggest factors in your home insurance rate, because it tells the insurer how much risk comes with your location. Areas with higher crime rates, frequent natural disasters, or high rebuilding costs are treated as higher-risk-and that pushes premiums up.

Below are the most affordable and most expensive ZIP codes for home insurance in Florida

Most affordable ZIP codes for home insurance rates in Florida

The most affordable rates are in 32306, where homeowners pay $2,895 per year on average.

Not every area in Florida has the same home insurance cost. How much you pay for homeowners insurance in Florida depends on many factors, including your ZIP code.

Below you can find homeowners insurance rates for some of the most affordable ZIP codes in Florida.

ZIP code	Average annual rate	Average monthly rate
32306	$2,895	$241
32308	$2,921	$243
32304	$2,929	$244
32312	$2,930	$244
32303	$2,933	$244
32317	$2,934	$244
32309	$2,948	$246
32311	$2,958	$246
32310	$2,972	$248
32305	$2,975	$248

Most expensive ZIP codes for home insurance rates in Florida

33070 has the highest rates in Florida at an average of $26,067 per year.

Home insurance costs more in certain ZIP codes due to higher crime rates, natural disaster risk, and living costs.

Below, we’ve highlighted some of the most expensive ZIP codes in Florida for home insurance:

ZIP code	Average annual rate	Average monthly rate
33070	$26,067	$2,172
33037	$25,697	$2,141
33036	$25,532	$2,128
33001	$25,502	$2,125
33154	$25,479	$2,123
33149	$25,432	$2,119
33051	$25,200	$2,100
33050	$25,186	$2,099
33160	$24,988	$2,082
33180	$24,933	$2,078

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Florida by city

See rates in your city

What are the best homeowners insurance companies in Florida?

Our data points to Travelers as the best overall pick in Florida, thanks to its AM Best rating of A++ and one of the lowest NAIC complaint scores in the state.

We ranked insurers using two measures that matter most when you’re counting on coverage:

AM Best Ratings reflect financial strength-essentially, how confidently a company can cover claims.
NAIC Complaint Scores track complaints in proportion to a company’s size, so a lower number means fewer headaches for policyholders.

Combined, they offer a clear read on whether an insurer is both financially sound and easy to deal with. In the table below, you’ll find the top companies in Florida compared by annual premium, financial rating, and complaint history.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
Travelers	$1,755	A++	0.54	5
Security First Insurance	$3,694	A	0.88	4.45
State Farm	$4,806	A++	0.95	4.39
Allstate	$4,916	A+	0.9	4.3
HCI Group Inc	$4,887	A	0.65	4.27
Nationwide	$5,611	A+	0.87	4.18
Universal Insurance Holding	$6,484	A	2.01	3.78
Citizens Property Insurance	$8,632	A	0.25	3.66
FedNat Holding	$7,212	A	4.92	3.21
Progressive	$4,638	A+	8.45	3.21

How to understand insurer ratings and complaint data

When choosing an insurer, you want to know if the company can pay your claim, and if customers are satisfied with it. Rating agencies track this data so you can make an informed decision at renewal.

Here are the two ratings that we have referred to:

AM Best: A global agency that rates insurers based on their financial strength and ability to pay claims. A higher score means the company is more financially stable.
NAIC Complaint Index: The National Association of Insurance Commissioners tracks consumer complaints. A score below 1.00 means fewer complaints than expected for a company of that size, while a score above 1.00 means more complaints than expected.

What factors affect your home insurance rate?

Home insurance rates come down to how much risk you represent to the insurer. The main factors they weigh:

Where you live. Local crime, weather risk, and how often neighbors file claims.
Your claims history. Past claims usually raise your rate.
Your credit-based insurance score. Weaker credit can mean a higher premium (restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. More coverage or a lower deductible costs more.

Rates have also been climbing across the board. Home insurance premiums for owner-occupied homes rose more than 11% nationwide in 2023, according to S&P Global Market Intelligence’s RateWatch application.

Resources & methodology

Source

S&P Global. US homeowners insurance rates jump by double digits in 2023. Accessed June 2026.

Methodology

Insure.com worked with Quadrant Information Services to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.

The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:

$300,000 dwelling coverage
$100,000 liability protection
$1000 deductible

We have taken into account 3 important factors, such as average annual cost, NAIC score, and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.