Home Insurance in Florida — Affordable Coverage & Free Quotes
Licensed Florida agents. Free Quote in 2 minutes. Starting at $95/mo. Save up to 40% on premiums.
Understanding home insurance in florida in Florida
Florida homeowners face a unique set of risks: hurricanes, flooding, mold, sinkholes, and one of the most complex insurance markets in the country. Our licensed agents know every carrier, every territory restriction, and every discount opportunity available to Florida homeowners.
We shop more than a dozen A-rated carriers to match you with the right policy at the right price — and we re-shop at every renewal, because the Florida market changes every year.
What's included in our home insurance in florida policies
- Dwelling and structural coverage
- Personal property and contents
- Liability protection
- Wind and hurricane coverage
- Replacement cost options
- Loss of use / additional living expenses
- Medical payments to others
- Scheduled personal property
- Water backup coverage
- Bundle discount with auto
Home Insurance in Florida pricing tiers in Florida
Starting at $95/mo. Real ranges based on coverage levels and risk profile.
| Tier | Coverage | Starting at |
|---|---|---|
| Basic Dwelling | Dwelling + liability only | $95/mo |
| Standard HO-3 | Open perils dwelling + named perils contents | $130/mo |
| Replacement Cost | Full replacement cost, extended coverage | $165/mo |
| High-Value Home | Guaranteed replacement cost, jewelry riders | $250+/mo |
Why Florida chooses us
2-Minute Quotes
Real quotes from real Florida carriers in the time it takes to make coffee.
Licensed Florida Agents
State-licensed agents who live in Florida and know your ZIP code's rates.
Save Up to 40%
Independent agency — we shop a dozen carriers, not just one.
Real Humans
No bots, no endless menus. Talk to an agent within 2 hours.
10,000+ Customers
Trusted by Florida homeowners, drivers, and businesses since 2014.
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Get covered in 4 quick steps
Submit Quote
Tell us about your insurance needs in about 2 minutes.
We Shop Carriers
Top Florida carriers compete for your business.
Agent Review
A licensed agent walks you through the best options.
Bind Online
Sign, pay, get covered — often the same day.
Home Insurance in Florida questions, answered
Most Florida homeowners policies include wind/hurricane coverage, but with a separate hurricane deductible of 2%–10% of your dwelling value. Always confirm your deductible before a storm season.
No. Flood insurance is always a separate policy — either through NFIP or a private carrier. We quote and bundle both at no additional cost.
HO-3 is the most common Florida homeowners policy. It provides open-perils coverage on the dwelling (all risks except exclusions) and named-perils coverage on contents.
Our free quote form takes about 2 minutes, and a licensed Florida agent will follow up within 2 hours.
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