Popular Questions about Florida Home Insurance

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:

  • Past claims reported
  • Replacement cost of property
  • Coverages selected
  • Local crime rate
  • Local natural disasters
  • Flood zones

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. 

Do You Know What Your Florida Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAnnual insurance costAvg. home valueBurglaries / 1,000 homes
Boyton Beach$1,856$206,1007.3
Bradenton$1,748$164,0387.95
Cape Coral$1,898$212,6004.03
Clearwater$1,846$190,9006.86
Clermont$1,884$210,61714.06
Coconut Creek$1,799$182,5984.33
Coral Gables$2,771$834,8226.2
Coral Springs$2,168$336,1002.76
Cutler Bay$2,059$265,2003.91
Davie$2,084$273,7005.79
Fort Lauderdale$2,275$325,30011.15
Gainesville$1,702$154,6004.63
Jacksonville$1,810$157,8007.95
Melbourne$1,683$153,9005.91
Miami$2,531$277,7008.67
Naples$2,805$942,5184.14
Orlando$1,789$224,60012.87
St. Petersburg$1,837$187,60010.41
Tallahassee$1,865$186,70012.34
Tampa$2,118$216,1005.09
  1. $177
  2. Tampa, FL Monthly average home insurance cost
  3. The average monthly cost of home insurance in Tampa is $177. 
  4. Home values and property crime rates in this city are both slightly higher than average for the state, and so too are the home insurance rates. Homeowners in this city are most at risk for property damage caused by severe storms, particularly when hurricanes make their way through the Gulf of Mexico.
  5. This area sees a lot of water damage, whether from hurricanes, flooding or unexpected storms. It's essential that your homeowners policy specifically protect you against the risks you face on the coast. To be covered against flood damage, you will need to supplement your Tampa home insurance coverage with a flood insurance policy. 


  1. $151
  2. Jacksonville, FL Home Insurance
  3. The average monthly cost of home insurance in Jacksonville is $151.
  4. Your home insurance could be less or more, depending on several factors like the size of your house, your credit score, your house's building materials, and your claims history. Home prices in this area are lower than the state average. Purchasing lower amounts of coverage can help to keep costs in check.
  5. Home insurance is designed to cover you against many of the hazards that can result in loss or damage to your property. These include weather-related risks as well as property crimes. Because Jacksonville is a metropolitan area, its residents are more likely to experience a burglary, theft or break-in. The proper insurance will help you recover if something unexpected happens.


  1. $211
  2. Miami, FL Monthly average home insurance cost
  3. The average monthly cost of home insurance in Miami is $211.
  4. This city’s location along the coast, as well as its high property values and crime rates, make for some of the highest home insurance rates in the country. Fortunately, an independent agent can help you find the most affordable policy to meet your needs.
  5.  Whether it's criminal activity or weather-related activity, property damage can happen without warning. The most typical causes include hurricane-force winds, fires, and burglaries.


  1. $234
  2. Naples, FL Monthly average home insurance cost
  3. The average monthly cost of home insurance in Naples is $234.
  4. Residents of this city pay some of the highest insurance rates in the country.That's not surprising in a city where the average home value is nearly $1 million. That means that homeowners need a lot of coverage against the financial losses that may ensue if their homes are damaged by weather, accidents, or property crimes. Your costs will depend on things like the amount of coverage you purchase, details about your home, and your claims history.


  1. $190
  2. Fort Lauderdale, FL Monthly average home insurance cost
  3. The average monthly cost of home insurance in Fort Lauderdale is $190. 
  4. Your actual rates will be determined by the size and value of your home, the number of people living in it, whether you own a dangerous breed of dog, and several other factors. 
  5. Property values in Fort Lauderdale are much higher than the state average, and so too is the burglary rate in this city! This means that residents need protection against both natural disasters and property crimes. High winds frequently strike the Fort Lauderdale area, especially during hurricane season. This can do some serious damage, like ripping off shingles, siding and doors. Be prepared, take precautionary measures, and get the right insurance.


  1. $149
  2. Orlando, FL Monthly average home insurance cost
  3. The average monthly cost of home insurance in Orlando is $149. 
  4. This city has home values that are only slightly higher than the state average, and a high crime rate. Each of these factors can cause a spike in home insurance, but Orlando’s inland location helps to insulate it from the worst hurricane and tropical storm damage, so the rates in this city remain relatively affordable.
  5. Your home insurance policy can provide you with coverage against many of the hazards you are likely to face as a homeowner. That way, covered loss or damage to your home will not cause you to suffer undue financial losses. With the high burglary rate in this city, residents are advised to keep doors and windows securely locked, and entryways to their homes well-lit. If you are the victim of a burglary, your homeowners insurance can provide you with compensation for your losses.


  1. $142
  2. Gainesville, FL Monthly average home insurance cost
  3. The average monthly cost of home insurance in Gainesville is $142. 
  4. Lower-than-average home values, coupled with a lower-than-average burglary rate, help to keep costs affordable in this city. Your actual home insurance rate can depend on a multitude of factors like the size of your home, your house's building materials, the crime rate in your area, and whether your property includes a swimming pool. These are just things to consider when you look at the average rate.
  5. You never know what to expect when it comes to Florida weather. That's why you need protection against it all, whether it's crime, weather or even a liability lawsuit. You can cover your finances against excessive losses due to property damage and other risks with the proper homeowners insurance.


  1. $140
  2. Melbourne, FL Monthly average home insurance cost
  3. The average monthly cost of home insurance in Melbourne is $140.
  4. Because Melbourne and the surrounding area face significant weather-related risks, insurance coverage is necessary. Fortunately, lower-than-average home values and a relatively low crime rate mean that most homeowners in Melbourne can find affordable coverage.
  5. Homeowners insurance is designed to cover you against many of the various risks you are likely to encounter. However, flood damage, which is a serious risk in this area, is not covered by home insurance. You will need a supplemental flood insurance policy to get coverage. Likewise, some policies require you to purchase supplemental coverage against hurricane damage. 


  1. $153
  2. St. Petersburg, FL Monthly average home insurance cost
  3. The average monthly cost of home insurance in St. Petersburg is $153.
  4. The size of your house, your credit score, your house's building materials, and the crime rate in your area are just some of the many factors used to determine your particular costs. Slightly lower-than-average home values in this city help to keep costs in check.
  5. It's important that you are certain your policy covers you against all the risks you face as a homeowner. One such risk is burglary, which residents of this city experience at a relatively high rate. Home insurance is designed to cover against this hazard and damage caused by many weather-related events. Bear in mind, however, that flood damage is not included in your coverage. 


  1. $155
  2. Tallahassee, FL Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Tallahassee is $155. 
  4. Home values in this area are on par with state averages, but burglary rates are higher. This can cause coverage rates to go up for many area residents. Your actual rates will be calculated according to several factors such as the size, age, and value of your home, your claims history, and whether you own any dangerous or exotic pets.
  5. In the event that your home is burglarized or damaged by a severe storm, know that your homeowners insurance is there to help.