Florida homeowners insurance calculator

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Homeowners insurance in Florida costs an average of $7,136 per year, though your actual premium will vary based on your home’s location, replacement cost, coverage limits, and deductible.

If you want an estimate to get a general idea about how much it costs to insure your property – our Florida homeowners insurance calculator shows how dwelling coverage, liability limits and deductible choices affect your premium, with rate comparisons across insurers and against the state average.

Whether you’re buying a home, reviewing your policy or shopping for a better rate, the calculator gives you a clearer picture of what to expect before you start getting quotes.

How can I lower my homeowners insurance premium in Florida?

Shop around and compare quotes from multiple insurers – rates for the same coverage can differ significantly.
Raise your deductible – a higher up-front cost to you usually translates to a lower annual premium.
Bundle your home and auto insurance with the same insurer to qualify for a multi-policy discount.
Install safety features like smoke detectors, deadbolt locks or a security system, which can qualify you for additional discounts.

How to use the Florida home insurance calculator

Our home insurance calculator is designed to give you a quick, personalized look at what coverage might cost in Florida. Just plug in a few basics – your state, how much coverage you want for your home, the amount of liability protection, and the deductible that works for you. Here’s how to use it:

Select your state. Choose Florida to pull rates specific to your area.
Enter your dwelling coverage amount. This is how much it would cost to rebuild your home.
Choose your liability limit. This covers costs if someone is injured on your property or you accidentally damage someone else’s.
Set your deductible. The amount you’d pay out of pocket before insurance kicks in.

Once you’ve entered your details, the calculator will show you:

The average annual rate for homeowners in Florida
The highest and lowest rates in our data
A list of insurers in Florida with their typical annual premiums

It’s a simple way to get a ballpark idea of your costs and compare companies before you start shopping for quotes.

Florida home insurance calculator

See how the average annual home insurance rates vary with the options chosen.

State

Florida

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Dwelling coverage

Liability coverage

Deductible

Standard ($2500)

Standard ($2500)Standard ($1000)$2,500 with 2% Hurricane deductible$1,000 with 2% Hurricane deductible

Average annual home insurance rates in
Florida

$2,329 Average rate

Average rate

$2,329/Yr

Lowest rate

$677/Yr

Highest rate

$3,482/Yr

Rates by carriers in Florida

Company	Average annual rate
Security First Insurance	$677
Citizens Property Insurance	$1,683
Allstate	$1,870
State Farm	$2,203
HCI Group Inc	$2,398
Heritage Insurance Holdings	$2,487
Universal Insurance Holding	$2,914
Progressive	$3,244
Nationwide	$3,482

Methodology

Insure.com commissioned Quadrant Information Systems to analyse home insurance rates from major insurers in the U.S. The analysis includes over 37 million quotes from 134 companies across more than 34,000 ZIP codes, using standardized coverage levels to calculate national averages. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Guest Medical limit: $5,000. Deductible limit: $1,000. Personal property: 50% of dwelling coverage for replacement value

Key Takeaways

Homeowners insurance in Florida averages $7,136 per year, which is more expensive than the national average of $2,612.
Your premium will be shaped by your home’s location, age, size, rebuilding cost, and the coverage levels you select.
Standard home insurance policies don’t include flood, earthquake, or other climate-related disaster coverage – if you’re in a high-risk area, separate coverage is worth looking into.
Premiums differ considerably between insurers, so comparing quotes is one of the most reliable ways to reduce what you pay.

What affects your homeowners insurance premium?

Several variables influence what you’ll pay, including your home’s location, age and construction type, your claims history, and the coverage options you choose.

Dwelling coverage. The estimated cost to rebuild your home, accounting for its size, materials, and local construction rates.
Liability coverage. Covers you financially if someone is hurt on your property or you cause accidental damage to another person’s property.
Deductible. What you contribute before your insurance pays out. A higher deductible lowers your premium, but increases your upfront costs when a claim arises.

Check your credit score

In some states, insurers use a credit-based insurance score as one of their pricing factors – and it can have a meaningful effect on your premium. Depending on where you live, keeping your credit in good shape by paying bills on time and managing debt levels can work in your favor when it comes to renewal time.

How does dwelling coverage affect homeowners insurance in Florida?

Dwelling coverage determines how much your insurer will pay toward repairing or rebuilding your home after a covered event. The coverage level you choose has a direct effect on your premium – more coverage means higher costs. Even so, selecting an amount that genuinely reflects your home’s full rebuild value is important, since being uninsured can leave you with substantial out-of-pocket expenses after a major loss.

Average annual and monthly premiums by dwelling coverage amount are shown in the table below.

Dwelling coverage	Average annual rate	Average monthly rate
$200,000	$5,276	$440
$300,000	$7,136	$595
$400,000	$9,283	$774
$600,000	$13,729	$1,144
$1,000,000	$20,711	$1,726

Average cost of homeowners insurance in Florida

The average homeowners insurance premium in Florida is $7,136 per year, which is more expensive than the national average of $2,612.

This figure is based on a standard policy with:

$300,000 in dwelling coverage
$300,000 in liability protection
$1,000 deductible

What you actually pay will depend on a range of factors specific to your property and location, including your home’s age, size, and estimated cost to rebuild.

Average cost of home insurance in major Florida cities

Homeowners insurance isn’t priced the same across Florida. Rates in Tallahassee are among the most affordable in the state, while homeowners in Hialeah face significantly higher premiums.

The table below outlines average annual rates across major cities in Florida.

City	Average annual rate	Average monthly rate
Cape Coral	$6,622	$552
Fort Lauderdale	$11,903	$992
Hialeah	$14,875	$1,240
Jacksonville	$4,755	$396
Miami	$12,199	$1,017
Orlando	$6,449	$537
Port St. Lucie	$7,922	$660
St. Petersburg	$5,587	$466
Tallahassee	$4,187	$349
Tampa	$5,952	$496

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

How do natural disasters affect homeowners insurance rates in Florida?

Your home’s geographic location plays a significant role in what you pay for insurance. Properties in areas with a higher likelihood of flooding, wildfires, hurricanes, or tornadoes tend to carry higher premiums, as they represent a greater claims risk for insurers.

It’s also important to know that standard homeowners policies exclude these events. Depending on where your home is located, you may need separate policies or endorsements for:

Flooding
Wildfires
Hurricanes
Tornadoes

Adding this protection increases your overall insurance costs, but it also means you won’t be facing major repair or rebuilding expenses entirely on your own after a disaster.

What is a hurricane deductible, and how does it impact home insurance rates in Florida?

A hurricane deductible is a policy-specific deductible that applies only to losses caused by hurricanes, separate from your standard deductible. Rather than a fixed dollar amount, it’s expressed as a percentage of your dwelling coverage – commonly up to 10%.

The table below shows average rates with and without a 2% hurricane deductible. If your policy doesn’t include hurricane coverage and you’re in a high-risk coastal area, any hurricane-related damage would fall entirely outside your coverage. Taking the time to read through your policy details carefully is the best way to confirm you have the protection your location requires.

Average rates with hurricane deductible	Average rates w/o hurricane deductible
$7,136	$2,557

What our expert says

Q: What additional coverage should homeowners buy?

Amy BachExecutive Director of United Policyholders

“For those who live near any body of water or at the base of a hill, get a quote for flood insurance.”

Frequently asked questions

What is the average cost of homeowners insurance in Florida?

Homeowners in Florida pay an average of $7,136 per year. Your actual rate will depend on your home’s location, age, construction, replacement cost, and the coverage limits and deductible you choose.

How much homeowners insurance coverage do I need in Florida?

Your dwelling coverage should be enough to fully rebuild your home after a total loss. For liability, choose a limit that covers your assets in case you’re held responsible for someone’s injuries or property damage. If you own valuable property or have significant savings, higher limits and endorsements are worth considering.

Does increasing my deductible lower homeowners insurance costs?

Yes – a higher deductible means a lower premium, since you’re taking on more of the upfront cost before coverage kicks in. Just make sure the deductible you choose is an amount you can realistically afford to pay if you need to file a claim.

Methodology

Insure.com commissioned home insurance rates from Quadrant Data Services in late 2025 for a homeowners insurance policy with dwelling coverage levels ranging from $200,000 – $1 million and liability coverage of $100,000 and $300,000. Sample rates were requested using a $1,000 deductible and a 2% hurricane deductible where applicable.

Calculate home insurance premium in other states

$1,397/Year

$3,633/Year

$3,733/Year

$2,344/Year

$1,616/Year

$4,963/Year

$1,905/Year

$1,656/Year

$1,374/Year

$2,323/Year

$659/Year

$2,902/Year

Show more states

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.