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What type of insurance do you need?
The average American homeowner pays $1,173 per year for home insurance, but in Florida, the average annual premium is $1,993, making it the most expensive state in which to buy home insurance. Even though insurance is more expensive for homes in Florida, having insurance is vitally important because hazards such as severe storms and raging wildfires can cause serious damage to homes each year.
Your home insurance gives you a backup plan in case a catastrophe strikes in your neighborhood. Whether it's a fire, heavy winds or a burglary, you're covered if you have a suitable Florida homeowners insurance policy.
Pays for repairs to your home and your belongings
Pays for someone else's injuries or property damage when it's your fault
Pays for temporary living expenses when your home is damaged
We can’t be 100% certain, but in 2016, insurance companies spent more than $3.46 billion on home insurance claims in Florida. That's a lot of unfortunate events happening to Florida homeowners.
Insurance carriers calculate the cost of a home insurance policy by asking "how likely is it that something bad will happen?" The more likely it is that something bad will happen, the more expensive the home insurance policy will be, and vice versa. We call these potential disasters "risk." Let’s take a look at how risky Florida is compared to the rest of the US.
The crime rate in Florida is slightly higher than the national average. Homeowners should be aware of the risk and take steps to protect their property.
Severe weather events are common in Florida, and can cause a lot of difficulties for local homeowners.
Yes! There are 1,583 independent agents in Florida ready to help. Did you know that independent insurance agents can give you multiple policy options to choose from? That way, you'll receive completely customized coverage that addresses all of your unique insurance needs.
National average burglary rate 4.69 per 1,000 homes
National average home value $188,900
National average home insurance cost $1,173 year
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