Home insurance in Florida.
Home insurance in Florida is the most expensive in the nation, well over the national average, driven by hurricane exposure, costly roof claims, and years of litigation that strained the market.
Florida at a glance
Avg. premium
$2,677/yr
NAIC 2022, HO-3
vs. national
71% above
U.S. avg $1,569/yr
Main cost driver
Hurricanes & flooding
What pushes rates here
Home insurance in Florida is the most expensive in the nation, well over the national average, driven by hurricane exposure, costly roof claims, and years of litigation that strained the market.
How much does home insurance cost in Florida?
The average homeowner in Florida pays $2,677per year for home insurance, that's 71% above the U.S. national average of $1,569/yr. Your own rate depends on your home's rebuild cost, age, construction, location, and claims history.
Florida vs the national average
71% above the national average of $1,569/yr.
Source: NAIC (2022). Average annual premium for owner-occupied HO-3 homeowners policies.
What drives home insurance costs in Florida
Hurricane and wind risk dominate pricing, and nearly every policy carries a separate hurricane deductible. Flooding is excluded and requires a separate policy. Roof age is a decisive factor in both price and eligibility.
What home insurance covers
A standard Floridahomeowners (HO-3) policy bundles several coverages. Note what's not included, flood and earthquake always require separate policies.
| Coverage | What it covers | In a standard policy? |
|---|---|---|
| Dwelling (Coverage A) | The structure of your home itself | Core coverage |
| Other structures (B) | Detached garages, fences, sheds | Included |
| Personal property (C) | Your belongings, furniture, electronics, clothes | Included |
| Liability (E) | Injuries to others or damage you’re responsible for | Included |
| Loss of use (D) | Living expenses if your home is uninhabitable | Included |
| Flood / earthquake | Flood and quake damage | Excluded, separate policy |
Homeowners insurance is not legally mandated, but mortgage lenders require it for the life of your loan.
How to lower your home insurance in Florida
Rates for the same home can vary widely between insurers in Florida, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Bundle home and auto insurance with one carrier
- Harden your home against local risks (impact-resistant roof, storm shutters, defensible space) for discounts
- Improve security, alarms, smoke detectors, water-leak sensors
- Avoid small claims so you keep claims-free discounts
Average premium data last verified June 6, 2026. Source: NAIC. Figures are statewide averages, your quote will differ based on your specific home.
05 / FAQ
Florida home insurance FAQs.
Common questions about homeowners insurance in Florida.
06 / Get Started
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