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The average cost of Florida homeowners insurance is $1,951 annually, which is much higher than the national number of $1,211 per year. Florida is the 2nd most expensive state to purchase homeowners coverage in. For your exact rates, consult with a licensed professional.
Each state governs insurance differently. In Florida, you are not mandated to carry homeowners insurance on your property by the state. However, if you have a mortgage or lender on your home, they will require proof of insurance to obtain a loan. With Florida having $3.46 billion paid in home insurance claims in just one year, the right protection is needed to avoid paying out of pocket for a loss.
If you're looking to purchase a Florida home insurance policy, you'll need to know where to go. An independent insurance agency can help by shopping your coverage through dozens of carriers at once. This saves you time and premium dollars when you're comparing insurance companies.
Florida homeowners insurance is calculated using several risk factors. Check out what carriers look for when rating your home coverage in Florida:
Yes, Florida currently has 1,583 independent insurance agencies ready to help. They use multiple carriers so that you get the best options on coverage and premiums in town.
Florida homeowners insurance is the second most expensive coverage in the country. This is due to the climate and high risk factors for homeowners who live in the area. The top five homeowners risks in Florida that impact your insurance costs are wildfires, hurricanes, severe storms, flooding, and burglary.
National average burglary rate 3.76 per 1,000 people
National average home value $269,000
National average home insurance cost $1,211 year
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