Popular QuestionsPopular Questions about Florida Home Insurance

How much does Florida home insurance cost? $1,993

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.

florida home insurance cost chart
What does my Florida home insurance do for me?

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

  • Example: A tree falls on your house, and rain ruins your 60" Samsung TV.

Pays for someone else's injuries or property damage when it's your fault

  • Example: Your kid is playing baseball and accidentally smacks the ball through your neighbor's window.

Pays for temporary living expenses when your home is damaged

  • Example: You need a hotel while your house's roof is being repaired due to a fallen tree.
Will I actually use my Florida homeowners insurance?

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.

How is my Florida homeowners insurance calculated?

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.

Crime:

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.

  • Average number of burglaries per 1,000 homes in FL: 4.87
  • Average number of burglaries per 1,000 homes in the U.S.: 4.69

Weather:

Severe weather events are common in Florida, and can cause a lot of difficulties for local homeowners. 

  • Number of federally declared disasters since 1953: 122
  • Most common cause of disasters in the state: Fire
  • Average number of tornados in the state per year: 54.6
  • Amount paid in home insurance claims in 2016: $3,456,451,000

Home Values:

The estimated cost to rebuild your home will play a large role in how much your home insurance costs. In Florida, the average home value is slightly higher than the national average, which is one of the many reason that coverage costs in this state are high.

  • Average home value in FL: $197,700
  • Average home value in the US: $188,900
Are there any independent agents in Florida?

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.

What’s the best insurance company in Florida?

An independent agent compares policies from multiple companies to find you the best coverage for your needs and budget. Here are some companies our agents will use in Florida: 

stillwater insurance group
heritage insurance
florida family insurance
federated national

InformationFind the Best Insurance in Your City

Now, let's take a quick peek at what’s going on in your city. Insurance companies look at a lot of factors when determining home insurance costs. One of many factors is location. Crime rates, weather catastrophes and the overall cost of your home will also factor into how much your home insurance will cost.

How does your city measure up to the national average?

  • National average home insurance cost – $1,173 / year
  • National average burglary rate per 1,000 homes – 4.69
  • National average home value - $188,900


CityAvg. Yearly Cost for Home InsuranceAvg. Home ValueBurglary Rate per 1,000 Homes
Tampa$2,118$216,1005.09
Jacksonville$1,810$157,8007.95
Miami$2,531$277,7008.67
Naples$2,805$942,5184.14
Orlando$1,789$224,60012.87
Tallahassee$1,865$186,70012.34
Gainesville$1,702$154,6004.63
Fort Lauderdale$2,275$325,30011.15
Melbourne$1,683$153,9005.91
St. Petersburg$1,837$187,60010.41
Boyton Beach$1,856$206,1007.30
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$834,8226.20
Coral Springs$2,168$336,1002.76
Cutler Bay$2,059$265,2003.91
Davie$2,084$273,7005.79

Tampa, FL Home Insurance

The average monthly cost of home insurance in Tampa is $177. 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.

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. An independent agent can help you get all the coverage you need at a competitive rate.

Unlike an agent who works for a specific company, an independent agent has the freedom to quote multiple companies. The agent will make sure you receive the best home insurance for your needs.

Jacksonville, FL Home Insurance

On average, residents of Jacksonville pay $151 per month for their homeowners insurance. 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.

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.

When you buy Jacksonville homeowners insurance from an independent agent, you'll receive numerous quotes from multiple companies. Choosing the right policy will give you peace of mind knowing all your risks are covered.

Miami, FL Home Insurance

Residents of Miami pay an average of $211 per month for their home insurance coverage. 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.

 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, but you should talk to an independent insurance agent about the specific risks you face. Your agent can help you find a policy that will provide all the coverage you need against the risks you are likely to face.

Don't you want personalized, comprehensive, and affordable insurance? An independent insurance agent will ensure that your homeowners policy has all three characteristics. Let our local agents help you find what you need.

Naples, FL Home Insurance

At $234 per month, residents of Naples 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 such things as the amount of coverage you purchase, details about your home, and your claims history.

It's pretty clear that the biggest risk for homeowners in Florida is water-related damage. Being so close to the Atlantic Ocean means there's a bigger chance your residence will be negatively affected by the elements. Homeowners insurance does not provide coverage against flood damage, a very real risk in this area, so your independent insurance agent will be sure to help you find flood insurance with which you can supplement your coverage.

Fort Lauderdale, FL Home Insurance

The average monthly cost of home insurance in Fort Lauderdale is $190 per month. 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. Talk to an independent agent to learn more.

Property values in Fort Lauderdale are much higher than the state average — so too is the burglary rate in this city! This means that residents need protection against both natural disasters and property crimes. Strong 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.

With an independent insurance agent, you'll receive a customized, affordable and comprehensive policy. That kind of service doesn't come from direct “captive” agents.

Orlando, FL Home Insurance

Residents of Orlando pay an average of $149 per month for their homeowners insurance coverage. 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.

Your home insurance policy can provide you with coverage against many of the likely hazards you 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. In the unhappy event that you are a victim of a burglary, your homeowners insurance can provide you compensation for your losses.

Your local independent insurance agent will make sure you receive the best home insurance for your needs. It's very different from buying insurance directly from a carrier or through an agent who works for a specific company; an independent agent has the freedom to quote multiple companies to meet your unique needs.

Gainesville, FL Home Insurance

The average monthly cost of home insurance in Gainesville is $142. 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 or not your property includes a swimming pool. These are just things to consider when you look at the average rate.

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.

Don't you want insurance that addresses your unique risks at a price you can afford? We thought so. Contact a local independent insurance agent to receive a choice of quotes for the protection you need.

Melbourne, FL Home Insurance

Residents of Melbourne pay an average of $140 per month for their home insurance coverage. 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.

Homeowners insurance is designed to cover you against many of the various risks you are likely to encounter. However, flood damage — 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. A local independent insurance agent can help you be certain you are covered against all of your various risks.

If you want to find the best insurance for your home and family, partner up with an independent agent. Independent agents have the freedom to quote multiple companies and will make sure you receive the most comprehensive option out there.

St. Petersburg, FL Home Insurance

On average, residents of St. Petersburg pay $153 per month for their homeowners insurance coverage. 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.

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 damaged caused by many weather-related events. Bear in mind, however, that flood damage is not included in your coverage. Fortunately, your independent insurance agent can help you supplement your home policy with flood insurance through the NFIP.

When you team up with a local, independent agent, you receive great customer service and an insurance policy that meets your needs. Not only will we help you find something affordable, but we will also ensure that your policy covers all your bases.

Tallahassee, FL Home Insurance

The average monthly cost of homeowners insurance in Tallahassee is $155. 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.

In the event that your home is burglarized or damaged by a severe storm, know that your homeowners insurance is there to help. Independent insurance agents can assist you as you navigate the claims process to help you get the compensation you deserve. Let one of these independent agents help you find a policy that provides all the coverage you need so that you are prepared for anything that may come your way.

Your local independent agent will make sure you receive the best home insurance for your needs. It's very different from buying insurance directly from a carrier or through an agent who works for a specific company; an independent agent has the freedom to quote multiple companies to meet your unique needs.