Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Florida Average homeowners insurance cost in Florida Homeowners insurance in Florida costs $4,405 per year or $367 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: April 14, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. However, home insurance policies can get expensive, depending on your insurer and the coverage level you choose.On average, Florida homeowners insurance costs $4,405 a year, based on Insure.com’s data. Learn more about the average homeowners insurance rates by company and ZIP code in Florida. Key Takeaways Homeowners insurance costs an average of $4,405 a year, based on Insure.com analysis.Of all the ZIP codes in Florida, 32306 has the most affordable home insurance rates at around $2,895 annually.In Florida, Travelers provides the most affordable home insurance at an average annual premium of $1,755. Average home insurance cost in Florida by coverage levelHomeowners insurance costs $4,405 a year in Florida for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.If you raise the dwelling coverage limit from $300,000 to $400,000, the cost of homeowners insurance in Florida will increase to $5,520 per year for $100,000 in liability protection and a $1,000 deductible. Below, you’ll find the average cost of homeowners insurance in Florida for dwelling coverage limits of $300,000, $400,000, and $500,000.Coverage Average annual rate Average monthly rate$200,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$3,754 $313 $200,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$3,773 $314 $300,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$4,405 $367 $300,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$4,419 $368 $400,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$5,520 $460 $400,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$5,516 $460 $600,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$9,617 $801 $600,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$9,637 $803 $1,000,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$17,142 $1,428 $1,000,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$17,162 $1,430 Homeowners insurance companies in Florida determine rates based on risk factors. When calculating premiums, they consider your location, claims history, credit history and coverage limits.If your neighborhood has experienced many claims in the last few years, you can expect to pay higher home insurance rates than areas with few to no claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in FloridaIt’s always wise to shop around and compare prices before you buy homeowners insurance. There are many factors that go into deciding the best homeowners insurance company.We have compared the insurers in Florida using their NAIC score and AM Best rating and compiled a list of the best homeowners insurance in Florida. Based on the analysis, Travelers received the lowest NAIC score and A++ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best rating NAIC Complaint IndexOverall scoreTravelers$1,755A++0.545Security First Insurance$3,694A0.884.45State Farm$4,806A++0.954.39Allstate$4,916A+0.94.3HCI Group Inc$4,887A0.654.27Nationwide$5,611A+0.874.18Universal Insurance Holding$6,484A2.013.78Citizens Property Insurance$8,632A0.253.66FedNat Holding$7,212A4.923.21Progressive$4,638A+8.453.21Average homeowners insurance cost by company in FloridaTravelers provides the most affordable homeowners insurance in Florida, with an average annual premium of $1,755. Security First Insurance and Nationwide also offer cheap home insurance rates.Shopping around for homeowners insurance can help you save hundreds of dollars annually.Here are the average annual and monthly insurance rates for homeowners in Florida with a policy that provides $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.Company Average annual rate Average monthly rateTravelers$1,755$146Security First Insurance$4,185$349Nationwide$5,611$468American Integrity Insurance$5,890$491State Farm$6,211$518HCI Group Inc$6,267$522Progressive$6,518$543Heritage Insurance Holdings$8,001$667FedNat Holding$9,827$819Universal Insurance Holding$10,736$895Allstate$12,424$1,035Citizens Property Insurance$20,527$1,711Florida homeowners insurance rates by ZIP codeInsurance companies in Florida assess the risk associated with a specific location. ZIP codes prone to higher crime rates or frequent natural disasters are often classified as high-risk areas, which can lead to increased insurance premiums. The cost of rebuilding or repairing homes in a specific ZIP code can also impact how much you pay for a homeowners insurance policy.Make sure you shop around and compare quotes from various insurance companies to get the best deal on homeowners insurance rates in Florida. Don’t forget to ask about any available discounts, such as bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in FloridaNot every area in Florida has the same home insurance cost. How much you pay for homeowners insurance in Florida depends on many factors, including your ZIP code. Our data shows that 32306 ZIP has low-cost home insurance rates in Florida, at about $2,895 a year or $241 monthly.Below you can find homeowners insurance rates for some of the most affordable ZIP codes in Florida.ZIP codeAverage annual rateAverage monthly rate32306$2,895$24132308$2,921$24332304$2,929$24432312$2,930$24432303$2,933$24432317$2,934$24432309$2,948$24632311$2,958$24632310$2,972$24832305$2,975$248Most expensive ZIP codes for home insurance rates in FloridaIn Florida, certain areas experience higher premiums because of higher crime rates, increased risk of natural disasters and the cost of living.Homeowners in 33070 ZIP pay the highest insurance rates in Florida, with an average annual premium of $26,067.Below is a list of some of the most expensive ZIP codes in Florida for homeowners insurance.ZIP codeAverage annual rateAverage monthly rate33070$26,067$2,17233037$25,697$2,14133036$25,532$2,12833001$25,502$2,12533154$25,479$2,12333149$25,432$2,11933051$25,200$2,10033050$25,186$2,09933160$24,988$2,08233180$24,933$2,078Home 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 cityBoca RatonFort LauderdaleHavanaMelbourneMount DoraPensacolaSan AntonioSydneyTampaHome insurance rate trend in FloridaWe analyzed home insurance rate trends in Florida and found that homeowners insurance rates experienced an overall increase of 5% or $205, from 2022 to 2023.The data below shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$4,015$4,200$4,405To choose the right homeowners insurance, it’s important to conduct thorough research and compare rates from various insurers, as each evaluates risk differently. Comparing quotes from at least three companies can help you secure the most affordable coverage in Florida.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed April 2025.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Florida Average renters insurance cost in Florida Average car insurance cost in Florida Non-owner car insurance in Florida How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearDelaware$1,366/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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