Best Florida Homeowners Insurance for 2026
Security First is best overall, but Tower Hill and State Farm are also worth a look
Advertising Disclosures
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- Security First’s low rates and flexible coverage options make it Florida’s best home insurance company for most people.
- Florida homeowners insurance rates went down last year after years of big increases.
- Flooding and windstorms create unique insurance challenges for Florida homeowners.
- State reforms are making insurance available to more homes facing severe weather risks.
Florida’s best homeowners insurance companies
Low rates and flexible coverage options help make Security First the best overall home insurance company in Florida.
Tower Hill is the best company for customer service. It has one-tenth as many complaints as average, according to the National Association of Insurance Commissioners (NAIC)
State Farm and Chubb stand out for different reasons.
Best overall : Security First
Average annual rate: $864
Why we chose it: Security First has Florida’s cheapest home insurance rates and customizable coverage options.
Who it’s best for: Most homeowners. Security First has basic coverages and useful add-ons for things like valuables and golf carts. It also has discounts for service members, first responders and homeowners 55 and older.
The company’s complaint rating is below average, but better than a few competitors’ scores. Dog owners should note that you will have to add dog liability to your policy to get coverage for injuries or damage your pet may cause.
Pros
- Florida’s cheapest home insurance
- Flexible coverage options
- Discounts for being 55 or older
Cons
- Below-average complaint score
- Dog liability coverage costs extra
Best for customer service : Tower Hill
Average annual rate: $1,726
Why we chose it: An excellent complaint rating means Tower Hill usually does a good job on paying out claims. It’s not as cheap as Security First, but it still charges 43% less than the state average.
Who it’s best for: Homeowners who want basic protections.
Tower Hill only offers a few add-ons beyond the basics. These include coverage for jewelry and flood insurance. You can get quotes online, but its website doesn’t explain your coverage options very clearly. If you prefer more personalized service, you can get a quote from an independent insurance agent
Pros
- Excellent complaint rating
- Cheaper rates than most companies
- Online quotes available
Cons
- Few coverage options beyond the basics
- Limited coverage and discount information on website
Best for bundling : State Farm
Average annual rate: $2,092
Why we chose it: In addition to low home insurance rates, State Farm has Florida’s cheapest car insurance. So if you were to bundle your home and auto insurance, the discount offered makes State Farm even more affordable.
Who it’s best for: Bundlers. Unlike Security First and Tower Hill, State Farm offers its own car insurance. This means you can get both policies from the same company, which can make it easier to manage your insurance.
State Farm offers personalized service through local agents. You can also use its website and smartphone app to manage your policy on your own. Unfortunately, State Farm does not offer online quotes in Florida, and its complaint score is worse than average.
Pros
- Cheap home and auto rates with bundling discounts
- Personalized service from local agents
- Easy-to-use website and smartphone app
Cons
- Online quotes not available
- Below-average complaint rating
Best for luxury homes : Chubb
Average annual rate: $2,872 (with $550,000 coverage)
Why we chose it: Chubb specializes in high-value homes and has a better complaint rating than most other companies.
Who it’s best for: People with luxury homes. Chubb’s Masterpiece policies include coverage options that often cost extra elsewhere, like its extended replacement cost
Pros
- Coverage available for multimillion-dollar homes
- Excellent NAIC complaint rating
- Complimentary risk consulting for your home
Cons
- Only available for high-value homes
- Online quotes not available
Compare Florida home insurance rates and ratings
Each company’s rate varies by customer, so it’s wise to compare home insurance quotes from a few companies to find the cheapest rate for your situation.
| Company | Annual Rate* | LendingTree score | Complaint rating* | |
|---|---|---|---|---|
| Security First | $864 | 4/5 | 1.3 | |
| Tower Hill | $1,726 | 4.5/5 | 0.1 | |
| People’s Trust | $1,852 | 4/5 | 0.3 | |
| State Farm | $2,092 | 4/5 | 1.4 | |
 | Progressive | $2,739 |  3.5/5 | 1.8 |
| Allstate | $2,827 | 4/5 | 1.2 | |
| Heritage | $3,686 | 3.5/5 | 0.7 | |
| Universal | $4,781 |  2/5 | 2.7 | |
| Homeowner’s Choice | $5,135 | 2/5 | 0.5 | |
| Nationwide | $5,163 | 3.5/5 | 1.2 | |
| Chubb | NA | 4/5 | 0.1 | |
LendingTree analyzed thousands of quotes from top insurers across Florida to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See full methodology.
How much is home insurance in Florida?
Home insurance costs an average of $3,046 a year in Florida, or $254 a month. This is 16% higher than the national average of $2,628 a month.
Your actual rate depends on factors like:
- Your home’s location and construction features
- Your credit and insurance history
The amount of coverage you need also affects your home insurance rate. For example, it costs $4,061 a year to insure a home for $550,000. This is 33% higher than the rate for a $400,000 policy.
You usually have to insure your home at its replacement value
Home insurance rates by coverage amount
| Company | $300,000 | $400,000 | $550,000 | $750,000 |
|---|---|---|---|---|
| Security First | $717 | $864 | $1,108 | $1,384 |
| Tower Hill | $1,443 | $1,726 | $2,389 | $3,115 |
| State Farm | $1,865 | $2,092 | $2,482 | $3,048 |
| Chubb | N/A* | N/A* | $2,872 | $4,001 |
| State average | $2,415 | $3,046 | $4,061 | $5,441 |
Florida home insurance rates by city
Home insurance tends to cost the most in Florida’s cities and towns with the most severe weather. For example, Miami homeowners pay an average of $4,396 a year, or 44% more than the state average. It costs $2,564 a year in Jacksonville, or 16% less than the average.
Hialeah has Florida’s most expensive home insurance at $5,287 a year. Callaway has the state’s cheapest average rate at $2,051 a year.
| City | Average Rate |
|---|---|
| Alachua | $2,375 |
| Alafaya | $3,548 |
| Alford | $2,604 |
| Allentown | $2,359 |
| Altamonte Springs | $3,139 |
| Altha | $2,526 |
| Altoona | $2,505 |
| Alturas | $2,892 |
| Alva | $2,687 |
| Andrews | $2,746 |
| Anna Maria | $2,402 |
| Anthony | $2,395 |
| Apalachicola | $2,499 |
| Apollo Beach | $2,886 |
| Apopka | $3,532 |
| Arcadia | $2,436 |
| Archer | $2,502 |
| Argyle | $2,330 |
| Aripeka | $2,415 |
| Asbury Lake | $2,409 |
| Astatula | $2,619 |
| Astor | $2,617 |
| Atlantic Beach | $2,410 |
| Atlantis | $3,092 |
| Auburndale | $2,883 |
| Aventura | $4,454 |
| Avon Park | $2,666 |
| Azalea Park | $3,554 |
| Babson Park | $2,897 |
| Bagdad | $2,479 |
| Baker | $2,290 |
| Bal Harbour | $4,078 |
| Baldwin | $2,738 |
| Balm | $2,803 |
| Barberville | $2,520 |
| Bardmoor | $2,252 |
| Bartow | $2,888 |
| Bascom | $2,604 |
| Bay Harbor Islands | $4,078 |
| Bay Hill | $3,537 |
| Bay Lake | $3,514 |
| Bay Pines | $2,124 |
| Bayonet Point | $2,343 |
| Bayshore Gardens | $2,144 |
| Beacon Square | $2,397 |
| Bear Creek | $2,120 |
| Bee Ridge | $2,246 |
| Bell | $2,653 |
| Bellair-Meadowbrook Terrace | $2,430 |
| Belle Glade | $3,060 |
| Belle Isle | $3,548 |
| Belleair | $2,327 |
| Belleair Beach | $2,223 |
| Belleair Bluffs | $2,332 |
| Belleview | $2,336 |
| Bellview | $2,220 |
| Berrydale | $2,278 |
| Beverly Hills | $2,150 |
| Big Coppitt Key | $3,309 |
| Big Pine Key | $3,336 |
| Biscayne Park | $4,616 |
| Bithlo | $3,533 |
| Black Hammock | $3,141 |
| Bloomingdale | $2,854 |
| Blountstown | $2,526 |
| Boca Grande | $2,645 |
| Boca Raton | $3,114 |
| Bokeelia | $2,583 |
| Bonifay | $2,507 |
| Bonita Springs | $2,574 |
| Bostwick | $2,237 |
| Boulevard Gardens | $4,036 |
| Bowling Green | $2,508 |
| Boynton Beach | $3,144 |
| Bradenton | $2,156 |
| Bradenton Beach | $2,413 |
| Bradley | $2,900 |
| Bradley Junction | $2,872 |
| Brandon | $2,884 |
| Branford | $2,582 |
| Brent | $2,305 |
| Bristol | $2,954 |
| Broadview Park | $4,124 |
| Bronson | $2,558 |
| Brooker | $2,547 |
| Brookridge | $2,161 |
| Brooksville | $2,189 |
| Brownsdale | $2,371 |
| Brownsville | $4,491 |
| Bryceville | $2,627 |
| Buckhead Ridge | $2,602 |
| Buckingham | $2,736 |
| Buenaventura Lakes | $3,752 |
| Bunnell | $2,650 |
| Burnt Store Marina | $2,535 |
| Bushnell | $2,466 |
| Butler Beach | $2,393 |
| Cabana Colony | $3,080 |
| Callahan | $2,639 |
| Callaway | $2,051 |
| Campbell | $3,747 |
| Campbellton | $2,604 |
| Canal Point | $2,987 |
| Candler | $2,544 |
| Cantonment | $2,116 |
| Cape Canaveral | $2,839 |
| Cape Coral | $2,635 |
| Captiva | $2,677 |
| Carrabelle | $2,480 |
| Carrollwood | $2,967 |
| Caryville | $2,613 |
| Cassadaga | $2,740 |
| Casselberry | $3,146 |
| Cedar Grove | $2,055 |
| Cedar Key | $2,736 |
| Celebration | $3,715 |
| Center Hill | $2,449 |
| Century | $2,261 |
| Charlotte Harbor | $2,658 |
| Charlotte Park | $2,635 |
| Chattahoochee | $2,484 |
| Cheval | $2,812 |
| Chiefland | $2,552 |
| Chipley | $2,596 |
| Chokoloskee | $2,572 |
| Christmas | $3,527 |
| Chuluota | $3,133 |
| Citra | $2,367 |
| Citrus Hills | $2,153 |
| Citrus Park | $2,832 |
| Citrus Springs | $2,186 |
| Clarcona | $3,552 |
| Clarksville | $2,527 |
| Clearwater | $2,286 |
| Clearwater Beach | $2,276 |
| Clermont | $2,614 |
| Cleveland | $2,631 |
| Clewiston | $2,744 |
| Cocoa | $2,711 |
| Cocoa Beach | $2,840 |
| Cocoa West | $2,739 |
| Coconut Creek | $4,093 |
| Coleman | $2,485 |
| Combee Settlement | $2,898 |
| Connerton | $2,196 |
| Conway | $3,542 |
| Cooper City | $4,102 |
| Copeland | $2,798 |
| Coral Gables | $4,527 |
| Coral Springs | $4,214 |
| Coral Terrace | $4,525 |
| Cortez | $2,406 |
| Cottondale | $2,604 |
| Country Club | $4,887 |
| Country Walk | $4,702 |
| Crawfordville | $2,434 |
| Crescent City | $2,276 |
| Crestview | $2,261 |
| Crooked Lake Park | $2,894 |
| Cross City | $2,233 |
| Crystal Beach | $2,331 |
| Crystal Lake | $2,898 |
| Crystal River | $2,338 |
| Crystal Springs | $2,137 |
| Cudjoe Key | $3,336 |
| Cutler Bay | $4,674 |
| Cypress Gardens | $2,890 |
| Cypress Lake | $2,543 |
| Dade City | $2,141 |
| Dade City North | $2,142 |
| Dania | $3,651 |
| Dania Beach | $4,138 |
| Davenport | $2,994 |
| Davie | $4,124 |
| Daytona Beach | $2,579 |
| Daytona Beach Shores | $2,592 |
| De Funiak Springs | $2,387 |
| De Leon Springs | $2,590 |
| DeLand Southwest | $2,559 |
| Debary | $2,613 |
| Deerfield Beach | $3,834 |
| Defuniak Springs | $2,394 |
| Deland | $2,597 |
| Delray Beach | $3,069 |
| Deltona | $2,613 |
| Desoto Lakes | $2,241 |
| Destin | $2,440 |
| Doctor Phillips | $3,525 |
| Doctors Inlet | $2,524 |
| Doral | $4,690 |
| Dover | $2,866 |
| Dundee | $2,887 |
| Dunedin | $2,311 |
| Dunnellon | $2,280 |
| Durant | $2,820 |
| Eagle Lake | $2,862 |
| Earleton | $2,378 |
| East Bronson | $2,558 |
| East Lake | $2,229 |
| East Lake-Orient Park | $2,955 |
| East Milton | $2,479 |
| East Palatka | $2,283 |
| Eastlake Weir | $2,457 |
| Eastpoint | $2,480 |
| Eaton Park | $2,905 |
| Eatonville | $3,540 |
| Ebro | $2,601 |
| Edgewater | $2,552 |
| Edgewood | $3,552 |
| Eglin AFB | $2,324 |
| Egypt Lake-Leto | $2,905 |
| El Jobean | $2,592 |
| El Portal | $4,622 |
| Elfers | $2,310 |
| Elkton | $2,523 |
| Ellenton | $2,121 |
| Englewood | $2,294 |
| Ensley | $2,259 |
| Estero | $2,546 |
| Eustis | $2,614 |
| Everglades City | $2,585 |
| Evinston | $2,382 |
| Fairfield | $2,476 |
| Fairview Shores | $3,585 |
| Feather Sound | $2,254 |
| Felda | $2,603 |
| Fellsmere | $2,928 |
| Fern Park | $3,145 |
| Fernandina Beach | $2,579 |
| Ferndale | $2,619 |
| Ferry Pass | $2,295 |
| Fish Hawk | $2,860 |
| Fisher Island | $4,231 |
| Five Points | $2,517 |
| Flagler Beach | $2,474 |
| Flagler Estates | $2,528 |
| Fleming Island | $2,423 |
| Florahome | $2,351 |
| Floral City | $2,148 |
| Florida City | $4,583 |
| Florida Ridge | $3,094 |
| Forest City | $3,129 |
| Fort Denaud | $2,714 |
| Fort Green Springs | $2,491 |
| Fort Lauderdale | $4,060 |
| Fort Mc Coy | $2,292 |
| Fort Meade | $2,897 |
| Fort Myers | $2,684 |
| Fort Myers Beach | $2,633 |
| Fort Myers Shores | $2,736 |
| Fort Ogden | $2,440 |
| Fort Pierce | $3,251 |
| Fort Pierce North | $3,237 |
| Fort Pierce South | $3,234 |
| Fort Walton Beach | $2,360 |
| Fort White | $2,506 |
| Fountain | $2,051 |
| Fountainebleau | $4,586 |
| Four Corners | $3,034 |
| Franklin Park | $4,036 |
| Freeport | $2,707 |
| Frostproof | $2,890 |
| Fruit Cove | $2,572 |
| Fruitland Park | $2,598 |
| Fruitville | $2,246 |
| Fuller Heights | $2,889 |
| Fussels Corner | $2,891 |
| Gainesville | $2,386 |
| Gateway | $2,684 |
| Geneva | $3,117 |
| Georgetown | $2,317 |
| Gibsonton | $2,860 |
| Gifford | $3,055 |
| Gladeview | $4,633 |
| Glen St. Mary | $2,534 |
| Glencoe | $2,578 |
| Glenvar Heights | $4,630 |
| Glenwood | $2,559 |
| Golden Beach | $4,223 |
| Golden Gate | $3,112 |
| Golden Glades | $4,635 |
| Goldenrod | $3,423 |
| Golf | $3,055 |
| Gonzalez | $2,122 |
| Goodland | $2,581 |
| Gotha | $3,524 |
| Goulding | $2,296 |
| Goulds | $4,640 |
| Graceville | $2,507 |
| Graham | $2,530 |
| Grand Island | $2,597 |
| Grand Ridge | $2,604 |
| Grandin | $2,281 |
| Grant | $2,885 |
| Grant-Valkaria | $2,876 |
| Green Cove Springs | $2,409 |
| Greenacres | $3,195 |
| Greenbriar | $2,249 |
| Greensboro | $2,486 |
| Greenville | $2,547 |
| Greenwood | $2,604 |
| Grenelefe | $2,927 |
| Gretna | $2,488 |
| Grove City | $2,407 |
| Groveland | $2,615 |
| Gulf Breeze | $2,549 |
| Gulf Gate Estates | $2,274 |
| Gulf Hammock | $2,652 |
| Gulf Stream | $3,017 |
| Gulfport | $2,114 |
| Gun Club Estates | $3,014 |
| Haines City | $2,917 |
| Hallandale | $3,620 |
| Hallandale Beach | $3,641 |
| Hampton | $2,530 |
| Harbor Bluffs | $2,320 |
| Harbour Heights | $2,674 |
| Harlem | $2,744 |
| Harold | $2,479 |
| Hastings | $2,528 |
| Havana | $2,485 |
| Haverhill | $3,197 |
| Hawthorne | $2,390 |
| Heathrow | $3,124 |
| Heritage Pines | $2,260 |
| Hernando | $2,167 |
| Hernando Beach | $2,247 |
| Hialeah | $5,287 |
| Hialeah Gardens | $4,955 |
| High Point | $2,161 |
| High Springs | $2,479 |
| Highland Beach | $3,037 |
| Highland City | $2,908 |
| Highland Park | $2,888 |
| Hilliard | $2,629 |
| Hillsboro Beach | $3,560 |
| Hobe Sound | $2,907 |
| Holden Heights | $3,557 |
| Holder | $2,187 |
| Holiday | $2,373 |
| Hollister | $2,318 |
| Holly Hill | $2,567 |
| Hollywood | $4,098 |
| Holmes Beach | $2,413 |
| Holt | $2,289 |
| Homeland | $2,906 |
| Homestead | $4,630 |
| Homestead Base | $4,728 |
| Homosassa | $2,363 |
| Homosassa Springs | $2,280 |
| Horizon West | $3,487 |
| Horseshoe Beach | $2,424 |
| Hosford | $2,954 |
| Howey-in-the-Hills | $2,619 |
| Hudson | $2,280 |
| Hunters Creek | $3,543 |
| Hurlburt Field | $2,393 |
| Hutchinson Island South | $3,451 |
| Hypoluxo | $3,071 |
| Immokalee | $2,835 |
| Indialantic | $2,843 |
| Indian Harbour Beach | $2,861 |
| Indian Lake Estates | $2,896 |
| Indian River Estates | $3,234 |
| Indian River Shores | $3,009 |
| Indian Rocks Beach | $2,227 |
| Indian Shores | $2,227 |
| Indiantown | $3,214 |
| Inglis | $2,897 |
| Inlet Beach | $2,481 |
| Intercession City | $3,462 |
| Interlachen | $2,319 |
| Inverness | $2,151 |
| Inverness Highlands North | $2,157 |
| Inverness Highlands South | $2,148 |
| Inwood | $2,948 |
| Iona | $2,568 |
| Islamorada | $3,316 |
| Islamorada, Village of Islands | $3,313 |
| Island Grove | $2,385 |
| Istachatta | $2,323 |
| Ives Estates | $4,617 |
| Jacksonville | $2,564 |
| Jacksonville Beach | $2,385 |
| Jan Phyl Village | $2,903 |
| Jasmine Estates | $2,349 |
| Jasper | $2,582 |
| Jay | $2,278 |
| Jennings | $2,577 |
| Jensen Beach | $3,194 |
| June Park | $2,746 |
| Juno Beach | $3,006 |
| Juno Ridge | $3,006 |
| Jupiter | $2,959 |
| Jupiter Farms | $2,934 |
| Kathleen | $2,886 |
| Kenansville | $3,715 |
| Kendale Lakes | $4,634 |
| Kendall | $4,652 |
| Kendall West | $4,716 |
| Kenneth City | $2,231 |
| Kensington Park | $2,241 |
| Kenwood Estates | $3,104 |
| Key Biscayne | $4,127 |
| Key Colony Beach | $3,314 |
| Key Largo | $3,326 |
| Key Vista | $2,426 |
| Key West | $3,185 |
| Keystone | $2,830 |
| Keystone Heights | $2,492 |
| Killarney | $3,627 |
| Kissimmee | $3,638 |
| La Crosse | $2,357 |
| Labelle | $2,649 |
| Lacoochee | $2,142 |
| Lady Lake | $2,759 |
| Laguna Beach | $2,221 |
| Lake Alfred | $2,891 |
| Lake Belvedere Estates | $3,205 |
| Lake Butler | $2,865 |
| Lake City | $2,509 |
| Lake Clarke Shores | $3,014 |
| Lake Como | $2,290 |
| Lake Geneva | $2,447 |
| Lake Hamilton | $2,927 |
| Lake Harbor | $3,139 |
| Lake Helen | $2,575 |
| Lake Lorraine | $2,376 |
| Lake Magdalene | $2,965 |
| Lake Mary | $3,124 |
| Lake Monroe | $3,119 |
| Lake Mystic | $2,954 |
| Lake Panasoffkee | $2,459 |
| Lake Park | $2,991 |
| Lake Placid | $2,395 |
| Lake Sarasota | $2,255 |
| Lake Wales | $2,893 |
| Lake Worth | $3,133 |
| Lake Worth Beach | $3,035 |
| Lakeland | $2,904 |
| Lakeland Highlands | $2,920 |
| Lakeshore | $2,906 |
| Lakeside | $2,417 |
| Lakewood Gardens | $3,010 |
| Lakewood Park | $3,241 |
| Lamont | $2,533 |
| Lanark Village | $2,478 |
| Land O’ Lakes | $2,230 |
| Lantana | $3,030 |
| Largo | $2,265 |
| Lauderdale Lakes | $4,056 |
| Lauderdale-by-the-Sea | $3,353 |
| Lauderhill | $4,143 |
| Laurel | $2,191 |
| Laurel Hill | $2,281 |
| Lawtey | $2,531 |
| Lealman | $2,232 |
| Lecanto | $2,150 |
| Lee | $2,548 |
| Leesburg | $2,597 |
| Lehigh Acres | $2,715 |
| Leisure City | $4,728 |
| Lely | $2,829 |
| Lely Resort | $2,720 |
| Lighthouse Point | $3,647 |
| Limestone Creek | $2,969 |
| Lithia | $2,860 |
| Live Oak | $2,804 |
| Lloyd | $2,525 |
| Lochloosa | $2,359 |
| Lochmoor Waterway Estates | $2,748 |
| Lockhart | $3,565 |
| Long Key | $3,700 |
| Longboat Key | $2,276 |
| Longwood | $3,107 |
| Lorida | $2,414 |
| Loughman | $2,921 |
| Lowell | $2,430 |
| Lower Grand Lagoon | $2,254 |
| Loxahatchee | $2,929 |
| Loxahatchee Groves | $2,929 |
| Lulu | $2,520 |
| Lutz | $2,826 |
| Lynn Haven | $2,080 |
| Macclenny | $2,539 |
| Madeira Beach | $2,112 |
| Madison | $2,547 |
| Maitland | $3,552 |
| Malabar | $2,858 |
| Malone | $2,604 |
| Manasota Key | $2,417 |
| Manatee Road | $2,561 |
| Mango | $2,962 |
| Mangonia Park | $3,019 |
| Marathon | $3,320 |
| Marathon Shores | $3,319 |
| Marco Island | $2,576 |
| Margate | $4,094 |
| Marianna | $2,586 |
| Mary Esther | $2,368 |
| Mascotte | $2,598 |
| Matlacha | $2,685 |
| Mayo | $2,571 |
| Mc Alpin | $2,804 |
| Mc David | $2,250 |
| Mc Intosh | $2,430 |
| McGregor | $2,543 |
| Meadow Oaks | $2,194 |
| Meadow Woods | $3,553 |
| Medley | $4,679 |
| Medulla | $2,905 |
| Melbourne | $2,863 |
| Melbourne Beach | $2,844 |
| Melbourne Village | $2,746 |
| Melrose | $2,386 |
| Memphis | $2,119 |
| Merritt Island | $2,811 |
| Mexico Beach | $2,194 |
| Miami | $4,396 |
| Miami Beach | $4,280 |
| Miami Gardens | $4,781 |
| Miami Lakes | $4,866 |
| Miami Shores | $4,642 |
| Miami Springs | $4,691 |
| Micanopy | $2,372 |
| Micco | $2,896 |
| Mid Florida | $3,008 |
| Middleburg | $2,418 |
| Midway | $2,661 |
| Milligan | $2,262 |
| Milton | $2,399 |
| Mims | $2,617 |
| Minneola | $2,619 |
| Miramar | $4,187 |
| Miramar Beach | $2,857 |
| Molino | $2,255 |
| Monticello | $2,583 |
| Montura | $2,744 |
| Montverde | $2,645 |
| Moon Lake | $2,195 |
| Moore Haven | $2,582 |
| Morriston | $2,561 |
| Mossy Head | $2,099 |
| Mount Dora | $2,786 |
| Mount Plymouth | $2,641 |
| Mulberry | $2,872 |
| Murdock | $2,711 |
| Myakka City | $2,091 |
| Myrtle Grove | $2,298 |
| Nalcrest | $2,906 |
| Naples | $2,828 |
| Naples Manor | $2,720 |
| Naples Park | $2,593 |
| Naranja | $4,770 |
| Nassau Village-Ratliff | $2,639 |
| Navarre | $2,370 |
| Navarre Beach | $2,618 |
| Neptune Beach | $2,404 |
| New Port Richey | $2,258 |
| New Port Richey East | $2,271 |
| New Smyrna Beach | $2,580 |
| Newberry | $2,449 |
| Niceville | $2,228 |
| Nichols | $2,889 |
| Nobleton | $2,246 |
| Nocatee | $2,328 |
| Nokomis | $2,198 |
| Noma | $2,461 |
| North Bay Village | $4,392 |
| North Brooksville | $2,159 |
| North DeLand | $2,572 |
| North Fort Myers | $2,724 |
| North Key Largo | $3,326 |
| North Lauderdale | $4,056 |
| North Miami | $4,593 |
| North Miami Beach | $4,565 |
| North Palm Beach | $3,043 |
| North Port | $2,243 |
| North Redington Beach | $2,124 |
| North River Shores | $2,970 |
| North Sarasota | $2,248 |
| North Weeki Wachee | $2,103 |
| Northdale | $2,864 |
| O Brien | $2,798 |
| Oak Hill | $2,576 |
| Oak Ridge | $3,553 |
| Oakland | $3,460 |
| Oakland Park | $3,985 |
| Oakleaf Plantation | $2,407 |
| Ocala | $2,339 |
| Ocean Breeze Park | $3,132 |
| Ocean City | $2,319 |
| Ocean Ridge | $3,025 |
| Ochopee | $2,847 |
| Ocklawaha | $2,331 |
| Ocoee | $3,533 |
| Odessa | $2,448 |
| Ojus | $4,631 |
| Okahumpka | $2,597 |
| Okeechobee | $2,719 |
| Old Town | $2,211 |
| Oldsmar | $2,221 |
| Olga | $2,712 |
| Olustee | $2,533 |
| Olympia Heights | $4,632 |
| Ona | $2,464 |
| Oneco | $2,119 |
| Opa-locka | $4,882 |
| Orange City | $2,585 |
| Orange Lake | $2,397 |
| Orange Park | $2,430 |
| Orange Springs | $2,403 |
| Orangetree | $3,062 |
| Orlando | $3,509 |
| Orlovista | $3,548 |
| Ormond Beach | $2,545 |
| Ormond-By-The-Sea | $2,574 |
| Osprey | $2,224 |
| Osteen | $2,580 |
| Otter Creek | $2,590 |
| Oviedo | $3,137 |
| Oxford | $2,481 |
| Ozona | $2,297 |
| Pace | $2,371 |
| Pahokee | $2,985 |
| Paisley | $2,614 |
| Palatka | $2,315 |
| Palm Bay | $2,791 |
| Palm Beach | $3,016 |
| Palm Beach Gardens | $3,101 |
| Palm Beach Shores | $2,965 |
| Palm City | $3,207 |
| Palm Coast | $2,525 |
| Palm Harbor | $2,260 |
| Palm River-Clair Mel | $2,886 |
| Palm Shores | $2,898 |
| Palm Springs | $3,012 |
| Palm Springs North | $4,887 |
| Palm Valley | $2,426 |
| Palmdale | $2,453 |
| Palmetto | $2,126 |
| Palmetto Bay | $4,537 |
| Palmetto Estates | $4,676 |
| Palmona Park | $2,748 |
| Panacea | $2,724 |
| Panama City | $2,101 |
| Panama City Beach | $2,249 |
| Parker | $2,133 |
| Parkland | $4,102 |
| Parrish | $2,132 |
| Pasadena Hills | $2,183 |
| Patrick AFB | $2,839 |
| Paxton | $2,234 |
| Pea Ridge | $2,359 |
| Pebble Creek | $2,831 |
| Pelican Bay | $2,593 |
| Pembroke Park | $4,012 |
| Pembroke Pines | $4,155 |
| Pensacola | $2,340 |
| Perry | $2,338 |
| Pierson | $2,585 |
| Pine Air | $3,014 |
| Pine Castle | $3,553 |
| Pine Hills | $3,576 |
| Pine Island Center | $2,628 |
| Pine Manor | $2,668 |
| Pine Ridge | $2,370 |
| Pinecrest | $4,641 |
| Pineland | $2,642 |
| Pinellas Park | $2,252 |
| Pinetta | $2,548 |
| Pinewood | $4,611 |
| Pioneer | $2,744 |
| Placida | $2,534 |
| Plant City | $2,827 |
| Plantation | $3,916 |
| Plantation Mobile Home Park | $3,125 |
| Plymouth | $3,393 |
| Poinciana | $3,228 |
| Point Baker | $2,359 |
| Polk City | $2,879 |
| Pomona Park | $2,280 |
| Pompano Beach | $3,974 |
| Ponce Inlet | $2,521 |
| Ponce de Leon | $2,431 |
| Ponte Vedra | $2,362 |
| Ponte Vedra Beach | $2,378 |
| Port Charlotte | $2,649 |
| Port LaBelle | $2,714 |
| Port Orange | $2,544 |
| Port Richey | $2,295 |
| Port Salerno | $2,859 |
| Port St. Joe | $2,480 |
| Port St. John | $2,704 |
| Port St. Lucie | $3,167 |
| Pretty Bayou | $2,124 |
| Princeton | $4,699 |
| Progress Village | $2,886 |
| Punta Gorda | $2,604 |
| Punta Rassa | $2,679 |
| Putnam Hall | $2,265 |
| Quail Ridge | $2,191 |
| Quincy | $2,489 |
| Raiford | $2,560 |
| Raleigh | $2,560 |
| Reddick | $2,368 |
| Redington Beach | $2,100 |
| Redington Shores | $2,166 |
| Richmond Heights | $4,596 |
| Richmond West | $4,706 |
| Ridge Manor | $2,226 |
| Ridge Wood Heights | $2,274 |
| Ridgecrest | $2,239 |
| Rio | $3,132 |
| Rio Pinar | $3,537 |
| River Park | $3,223 |
| River Ranch | $2,906 |
| River Ridge | $2,206 |
| Riverview | $2,845 |
| Riviera Beach | $3,047 |
| Rockledge | $2,742 |
| Roeville | $2,359 |
| Roosevelt Gardens | $4,036 |
| Roseland | $3,059 |
| Rotonda | $2,430 |
| Rotonda West | $2,533 |
| Royal Palm Beach | $3,082 |
| Royal Palm Estates | $3,205 |
| Ruskin | $2,871 |
| Safety Harbor | $2,256 |
| Salem | $2,342 |
| Samoset | $2,136 |
| Samsula-Spruce Creek | $2,576 |
| San Antonio | $2,192 |
| San Carlos Park | $2,741 |
| San Castle | $3,092 |
| San Mateo | $2,275 |
| Sanderson | $2,530 |
| Sanford | $3,141 |
| Sanibel | $2,591 |
| Santa Rosa Beach | $2,895 |
| Sarasota | $2,237 |
| Sarasota Springs | $2,246 |
| Satellite Beach | $2,861 |
| Satsuma | $2,316 |
| Sawgrass | $2,425 |
| Schall Circle | $3,125 |
| Scottsmoor | $2,761 |
| Sebastian | $3,008 |
| Sebring | $2,390 |
| Seffner | $2,871 |
| Seminole | $2,228 |
| Seminole Manor | $3,092 |
| Seville | $2,568 |
| Sewall’s Point | $2,969 |
| Shady Grove | $2,322 |
| Shady Hills | $2,215 |
| Shalimar | $2,327 |
| Sharpes | $2,682 |
| Siesta Key | $2,202 |
| Silver Lake | $2,597 |
| Silver Springs | $2,338 |
| Silver Springs Shores | $2,334 |
| Sky Lake | $3,553 |
| Sneads | $2,604 |
| Solana | $2,635 |
| Sopchoppy | $2,502 |
| Sorrento | $2,641 |
| South Apopka | $3,546 |
| South Bay | $2,987 |
| South Beach | $3,009 |
| South Bradenton | $2,146 |
| South Brooksville | $2,153 |
| South Daytona | $2,563 |
| South Gate Ridge | $2,260 |
| South Highpoint | $2,240 |
| South Miami | $4,647 |
| South Miami Heights | $4,643 |
| South Palm Beach | $3,016 |
| South Pasadena | $2,108 |
| South Patrick Shores | $2,861 |
| South Sarasota | $2,253 |
| South Venice | $2,187 |
| Southchase | $3,548 |
| Southeast Arcadia | $2,431 |
| Southgate | $2,245 |
| Southwest Ranches | $4,315 |
| Sparr | $2,402 |
| Spring Hill | $2,243 |
| Springfield | $2,053 |
| Springhill | $2,359 |
| St. Augustine | $2,358 |
| St. Augustine Beach | $2,393 |
| St. Augustine Shores | $2,319 |
| St. Augustine South | $2,319 |
| St. Cloud | $3,715 |
| St. James City | $2,590 |
| St. Johns | $2,572 |
| St. Leo | $2,147 |
| St. Lucie Village | $3,241 |
| St. Marks | $2,674 |
| St. Pete Beach | $2,121 |
| St. Petersburg | $2,197 |
| Stacey Street | $3,125 |
| Starke | $2,467 |
| Steinhatchee | $2,527 |
| Stock Island | $3,309 |
| Stuart | $2,958 |
| Sugarmill Woods | $2,206 |
| Sumatra | $2,962 |
| Summerfield | $2,357 |
| Summerland Key | $3,336 |
| Sumterville | $2,448 |
| Sun City | $2,832 |
| Sun City Center | $2,908 |
| Suncoast Estates | $2,699 |
| Sunny Isles Beach | $4,206 |
| Sunrise | $4,295 |
| Sunset | $4,649 |
| Surfside | $4,078 |
| Suwannee | $2,521 |
| Sweetwater | $4,708 |
| Sydney | $2,841 |
| Taft | $3,553 |
| Tallahassee | $2,224 |
| Tallevast | $2,174 |
| Tamarac | $4,127 |
| Tamiami | $4,717 |
| Tampa | $2,893 |
| Tangelo Park | $3,537 |
| Tangerine | $3,223 |
| Tarpon Springs | $2,261 |
| Tavares | $2,614 |
| Tavernier | $3,310 |
| Taylor Creek | $2,682 |
| Telogia | $2,853 |
| Temple Terrace | $2,870 |
| Tequesta | $2,916 |
| Terra Ceia | $2,410 |
| The Acreage | $3,005 |
| The Crossings | $4,664 |
| The Hammocks | $4,702 |
| The Meadows | $2,241 |
| The Villages | $2,576 |
| Thonotosassa | $2,869 |
| Three Lakes | $4,664 |
| Three Oaks | $2,741 |
| Tice | $2,736 |
| Tierra Verde | $2,094 |
| Tiger Point | $2,499 |
| Timber Pines | $2,313 |
| Titusville | $2,679 |
| Town ‘n’ Country | $2,952 |
| Treasure Island | $2,121 |
| Trenton | $2,621 |
| Trilby | $2,165 |
| Trinity | $2,219 |
| Tyndall AFB | $2,255 |
| Umatilla | $2,506 |
| Union Park | $3,538 |
| University | $3,117 |
| University Park | $4,701 |
| Upper Grand Lagoon | $2,241 |
| Valparaiso | $2,353 |
| Valrico | $2,872 |
| Vamo | $2,247 |
| Venice | $2,191 |
| Venice Gardens | $2,207 |
| Venus | $2,383 |
| Vernon | $2,617 |
| Vero Beach | $2,999 |
| Vero Beach South | $3,020 |
| Viera East | $2,823 |
| Villano Beach | $2,386 |
| Villas | $2,679 |
| Vineyards | $3,042 |
| Virginia Gardens | $4,691 |
| Wabasso | $2,999 |
| Wabasso Beach | $3,102 |
| Wacissa | $2,495 |
| Wahneta | $2,903 |
| Waldo | $2,382 |
| Wallace | $2,371 |
| Warm Mineral Springs | $2,241 |
| Warrington | $2,523 |
| Washington Park | $4,036 |
| Watergate | $3,238 |
| Watertown | $2,505 |
| Wauchula | $2,470 |
| Wausau | $2,600 |
| Waverly | $2,894 |
| Webster | $2,450 |
| Wedgefield | $3,531 |
| Weeki Wachee Gardens | $2,247 |
| Weirsdale | $2,519 |
| Wekiwa Springs | $3,076 |
| Welaka | $2,328 |
| Wellborn | $2,811 |
| Wellington | $3,112 |
| Wesley Chapel | $2,217 |
| West Bradenton | $2,149 |
| West DeLand | $2,559 |
| West Lealman | $2,229 |
| West Little River | $4,616 |
| West Melbourne | $2,746 |
| West Miami | $4,508 |
| West Palm Beach | $3,011 |
| West Park | $4,012 |
| West Pensacola | $2,304 |
| West Perrine | $4,659 |
| West Samoset | $2,143 |
| West Vero Corridor | $2,926 |
| Westchase | $2,857 |
| Westchester | $4,605 |
| Westgate | $3,015 |
| Weston | $4,303 |
| Westview | $4,591 |
| Westville | $2,466 |
| Westwood Lakes | $4,685 |
| Wewahitchka | $2,635 |
| Whiskey Creek | $2,543 |
| White City | $3,234 |
| White Springs | $2,613 |
| Whitfield | $2,246 |
| Wildwood | $2,471 |
| Williamsburg | $3,517 |
| Williston | $2,445 |
| Willow Oak | $2,882 |
| Wilton Manors | $3,995 |
| Wimauma | $2,803 |
| Windermere | $3,514 |
| Windsor | $3,102 |
| Winter Beach | $3,057 |
| Winter Garden | $3,460 |
| Winter Haven | $2,892 |
| Winter Park | $3,426 |
| Winter Springs | $3,139 |
| Woodville | $2,230 |
| World Golf Village | $2,556 |
| Wright | $2,330 |
| Yalaha | $2,602 |
| Yankeetown | $2,738 |
| Youngstown | $2,219 |
| Yulee | $2,723 |
| Zellwood | $3,535 |
| Zephyrhills | $2,179 |
| Zephyrhills North | $2,211 |
| Zephyrhills South | $2,200 |
| Zephyrhills West | $2,200 |
| Zolfo Springs | $2,478 |
Florida home insurance trends
Florida home insurance rates appear to be stabilizing. Rates went down by an average of 1% in 2025 after sharp increases in 2024 and 2025.
Insurance regulators credit the turnaround on reforms enacted in 2021. These measures were designed to reduce lawsuits over claims and help bring down insurance company expenses. They have also encouraged insurance companies to insure more homes in areas with severe weather risks.
The state has also beefed up grant funding for My Safe Florida. The grants help low- and moderate-income homeowners install wind-resistant roofs, windows and other features. Insurance companies are required to give you a discount when you meet state wind-resistance standards.
Depending on where you live, you may need additional insurance for flood and wind damage.
Florida flood insurance
Standard home insurance does not cover floods, but you can buy separate flood insurance. Most people get flood insurance through the government-run National Flood Insurance Program (NFIP). However, you can also get it from a private flood insurance company.
NFIP flood insurance costs an average of $938 a year in Florida, or $78 a month. Unless you’re buying flood insurance to close on a loan, you have to wait 30 days for your coverage to begin.
Private flood insurance is sometimes cheaper than an NFIP policy. It also usually has a shorter waiting period. In addition, private companies offer higher limits and more coverage options than NFIP. For example, most private flood companies offer loss of use
Your current home insurance agent, or the ones you contact for a new policy, can usually get you an NFIP quote. Good companies to contact for private flood insurance quotes include:
- Neptune Flood
- Wright Flood
- Allstate
- Tower Hill
Florida hurricane insurance
Homeowners insurance does cover wind-related hurricane damage in most parts of Florida. However, most policies have a separate, higher deductible
Hurricane deductibles are usually a percentage of your policy’s dwelling coverage, such as 2% or 5%. For example, if you were to insure your home for $400,000, a 5% hurricane deductible would add up to $20,000. This is usually higher than your deductible for all other perils (AOP), which may be a fixed amount like $500 or $1,000.
Homeowners insurance does not cover damage from hurricane-related flooding, but flood insurance does.
Florida windstorm coverage
Normal home insurance does not cover wind and hail damage in portions of the state with the most severe windstorms. In these areas, you need separate wind insurance for these risks. You can usually get a wind-only policy from Citizens if other companies won’t offer it to you.
Homeowners insurance from Citizens
Citizens also offers homeowners insurance to customers in high-risk areas. You can get homeowners insurance from Citizens if:
- Other companies won’t insure your home, or
- Other companies charge at least 20% more than Citizens for the same policy
You usually need flood insurance to get a Citizens homeowners policy with wind coverage. There is an exception for homes worth less than $400,000 in low- and moderate-risk flood zones. However, this exemption expires on Jan. 1, 2027.
Citizens itself does not offer flood insurance.
Compare homeowners insurance in Florida
Comparing quotes is a good way to save on homeowners insurance in Florida. As rates stabilize, some companies are offering better deals than others. Keep these tips in mind as you shop:
- The coverage limits in your quotes may vary slightly by company. However, it’s important to make sure each quote has accurate information about your home.
- The coverages and deductibles should match up in each quote. This gives you an apples-to-apples comparison.
- Some add-ons are more useful than others. Consider scheduled personal property coverage if you have expensive jewelry or other valuables to protect. Adding sewer-and-drain coverage can spare you headaches if one of these systems ever has a backup.
- Ask about discounts. Insurance companies usually apply them to your quotes, but you don’t want any to get overlooked.
- Review your existing declarations page before you shop to make sure you have enough coverage. You can share your “dec page” with other agents to get quotes faster.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your needs and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Homeowners insurance is not required by Florida law. However, most lenders require it for a mortgage. Many homeowners insurance associations also require it. In most other situations, it is optional but highly recommended.
Homeowners insurance can get very expensive in Florida, especially in South Florida. Home insurance costs $366 a month in Miami, or 67% more than the national average of $219 a month. Florida’s state average of $254 a month is 16% higher than the U.S. average. Flood and windstorm insurance often adds to the cost of insuring a Florida home.
Yes. State Farm insures homes in Florida. However, the company does not offer home insurance quotes online. You have to contact a State Farm agent directly.
Methodology
How we chose the best homeowners insurance in Florida
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Florida ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores show how well companies treat customers over things like claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our full editorial guidelines for further details.