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 a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. Updated on: November 21, 2024 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 safeguarding the one you already own, it’s important to have comprehensive homeowners insurance. However, the amount you’ll pay depends on the insurance company and the coverage limits you choose.Homeowners insurance in Florida costs an average of $4,405 a year, according to Insure.com’s study. Read this guide to learn more about the average homeowners insurance rates in Florida by insurance company and ZIP code. Key Takeaways Homeowners insurance costs an average of $4,405 a year, based on our 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 $4,185 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 rate200000 with 1000 Deductible and 100000 Liability and 2% Deductible$3,754$313200000 with 1000 Deductible and 300000 Liability and 2% Deductible$3,773$314300000 with 1000 Deductible and 100000 Liability and 2% Deductible$4,405$367300000 with 1000 Deductible and 300000 Liability and 2% Deductible$4,419$368400000 with 1000 Deductible and 100000 Liability and 2% Deductible$5,520$460400000 with 1000 Deductible and 300000 Liability and 2% Deductible$5,516$460600000 with 1000 Deductible and 100000 Liability and 2% Deductible$9,617$801600000 with 1000 Deductible and 300000 Liability and 2% Deductible$9,637$8031000000 with 1000 Deductible and 100000 Liability and 2% Deductible$17,142$1,4281000000 with 1000 Deductible and 300000 Liability and 2% Deductible$17,162$1,430Homeowners insurance companies in Florida determine rates based on risk factors. When calculating premiums, they consider your location, claims 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. 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 FloridaBefore purchasing homeowners insurance, it’s important to compare rates and explore your options. Several factors play a role in choosing the best homeowners insurance company for your specific needs.We evaluated insurance companies in Florida based on their NAIC scores and AM Best ratings to create a list of the top homeowners insurance providers in the state. Our findings show that 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 has the cheapest homeowners insurance rates in Florida. Its average annual cost for Florida homeowners is $1,755. Security First Insurance and Nationwide also offer affordable insurance.By comparing homeowners insurance rates, you could save hundreds, if not thousands, of dollars annually.The table below shows the average annual and monthly insurance rates for homeowners in Florida with $300,000 in dwelling coverage, $100,000 in liability coverage, 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 codeIn Florida, insurance companies evaluate the risk associated with specific locations to determine premiums. ZIP codes with higher crime rates or a history of natural disasters are often considered high-risk, resulting in higher insurance premiums. Additionally, the cost of rebuilding or repairing homes in a particular ZIP code can influence your price for a homeowners insurance policy.Shop around and compare quotes from different insurance companies to find the best home insurance rates in Florida. Also, remember to inquire about any discounts, such as bundling policies or smart home discounts, to help lower your premium.Most affordable ZIP codes for home insurance rates in FloridaHome insurance costs vary across different areas in Florida. What you pay for homeowners insurance depends on several factors, including your ZIP code. According to our data, the 32306 ZIP code has the lowest home insurance rates in Florida, at $2,895 annually or $241 per month.Here are the 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 FloridaYour ZIP code is a key factor in determining the cost of your homeowners insurance coverage. In Florida, certain areas have higher insurance premiums due to elevated crime rates, increased risk of natural disasters, and higher living costs.33070 has the most expensive homeowners insurance rates in Florida at an average annual cost of $26,067.Below, we’ve highlighted some of the most expensive ZIP codes in Florida for home 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 below data shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$4,015$4,200$4,405To find the right homeowners insurance, research thoroughly and compare costs from multiple insurers, as they assess risk differently. Getting quotes from at least three companies helps ensure you get the most affordable coverage in Florida.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.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/YearWashington, D.C.$1,327/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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