Average home insurance cost in Florida
Florida lands in the pricier half of the table at #29 of 51, about 14% above the national average — roughly $355 more per year than the typical American homeowner pays.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare home insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.
Florida home insurance FAQ
How much is homeowners insurance in Florida?
Home insurance in Florida averages $2,845 per year — about $237 per month — for a benchmark policy with $400,000 in dwelling coverage, $300,000 liability and a $1,000 deductible. Your rate depends on your home's age, construction, location and claim history.
Is home insurance in Florida more expensive than average?
Yes. Florida's average of $2,845/year runs about 14% above the U.S. average of $2,490/year, ranking #29 of 51 (1 = cheapest).
How can I lower my home insurance bill in Florida?
The four moves that reliably work: compare quotes from at least three carriers (the biggest lever — gaps of $1,000+ per year for identical coverage are common), raise your deductible to an amount you could cover in an emergency, bundle home and auto with one carrier for a 10–25% discount, and ask about discounts for wind-resistant roofing, monitored security systems and claim-free history.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare home insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.