Homeowners Insurance Florida

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Average Homeowners Insurance in Florida: $1,190

Median Home Price in Florida: $199,900

Florida homeowners insurance rates in December 2013 stood at an average of $1,190 as compared to $1,190 in November 2013.

Insurance Premium Saving Tips in Florida

  • Bundle your insurance:

    Bundling home and car insurance in Florida with the same provider will have approximately $119 to $179 of savings in Florida

  • Safety Systems:

    Having safety systems at home can save up to $208 in Florida

  • New Home:

    If your home was built within the past 10 years in Florida, you could save up to $238

  • Senior Discounts:

    Senior citizens (55 or older) in Florida could save approximately $238

Homeowners insurance cost by coverage

Insurance rangeAverage homeowners insurance cost($)
$49,999 and Under36
$50,000 to $74,999879
$75,000 to $99,9991,041
$100,000 to $124,9991,198
$125,000 to $149,9991,335
$150,000 to $174,9991,464
$175,000 to $199,9991,585
$200,000 to $299,9991,933
$300,000 to $399,9992,593
$400,000 to $499,9993,352
$500,000 and Over4,807

Renters insurance cost by coverage

Insurance rangeAverage renters insurance cost($)
$13,999 and Under168
$14,000 to $19,999108
$20,000 to $25,999171
$26,000 to $31,999211
$32,000 to $37,999216
$38,000 to $43,999246
$44,000 to $49,999269
$50,000 to $74,999309
$75,000 to $99,999 426
$100,000 and Over644

Average homeowners insurance by county

CountyHome Insurance Cost
Pasco County$976 to $1323
Brevard County$990 to $1340
Pinellas County$992 to $1344
Nassau County$1007 to $1369
Collier County$1050 to $1427
Gulf County$966 to $1327
Polk County$971 to $1316
Palm Beach County$1020 to $1381
Broward County$1011 to $1370
Escambia County$980 to $1327
Volusia County$991 to $1341
Santa Rosa County$994 to $1347
St. Lucie County$979 to $1326
Lee County$992 to $1343
Franklin County$986 to $1348
Madison County$950 to $1295
Bradford County$966 to $1316
Citrus County$974 to $1319
Jefferson County$964 to $1315
Walton County$990 to $1349
Sumter County$1003 to $1362
Okeechobee County$964 to $1311
Alachua County$999 to $1354
Jackson County$953 to $1297
St. Johns County$1037 to $1411
Clay County$995 to $1348
Lake County$989 to $1339
Leon County$1006 to $1363
Levy County$959 to $1305
Wakulla County$981 to $1336
Duval County$992 to $1343
Lafayette County$979 to $1348
Indian River County$994 to $1347
Martin County$1017 to $1382
Putnam County$958 to $1301
Gadsden County$964 to $1312
Osceola County$982 to $1334
Holmes County$952 to $1296
Sarasota County$1007 to $1365
Manatee County$998 to $1353
Seminole County$1013 to $1373
Liberty County$947 to $1293
Hendry County$952 to $1297
Monroe County$1114 to $1526
Hardee County$952 to $1297
Miami Dade County$1023 to $1384
Hamilton County$945 to $1283
Bay County$992 to $1346
Union County$959 to $1313
Charlotte County$987 to $1339
Taylor County$952 to $1297
Columbia County$969 to $1318
Okaloosa County$1005 to $1363
Flagler County$1000 to $1359
Calhoun County$944 to $1287
Highlands County$963 to $1305
Marion County$976 to $1323
Orange County$1005 to $1360
Hernando County$975 to $1322
Glades County$952 to $1293
Washington County$953 to $1295
Desoto County$955 to $1304
Baker County$970 to $1324
Suwannee County$959 to $1310
Dixie County$952 to $1297
Hillsborough County$997 to $1348
Gilchrist County$962 to $1310
Miami Dade County$1203 to $1204

Recent home insurance reviews

Company: United Property Corps,
Location: 364 Shamrock Blvd. Venice, Florida, 34293

I (a twenty-three year old, single, female) was able to purchase my first home on 364 Shamrock Blvd. Venice, Florida, 34293, as of March this year. The house is just over thirty years old, two bedroom, two bath and a one car garage with a recently replaced roof, water piping and a/c unit. I enrolled of homeowners insurance with United Property Corps. and paid $841.00 for the year. On a scale of one to five, I would hardly give them a two, I have not been happy with all the hoops I have had to jump though thus far. From my rate/claim being raised twice, multiple cancelation notices and poor customer service, it leaves much to be desired!

Company: Southern Fidelity,
Location: None

I am a 57 year old female who lives with her fiance. Our homeowner's insurance is through Southern Fidelity. I am currently paying $2,202.00 per year for my homeowner's insurance. I have coverage limits of $125,000 for dwelling and property coverage; $100,000.00 for personal liability and medical payments; $10,000.00 for limited fungi property; 50,000.00 for limited fungi. I don't really deal with my carrier as I have an agent but I will give the carrier a 5 for not cancelling me when I tried People's Insurance and they dropped me after three months because of a building we added on. Southern Fidelity never cancelled us even though I requested it so it was not a problem keeping my insurance active. I have been with Southern Fidelity since I purchased the house in 2006. I currently use Hughes Insurance Services as my agent for homeowner's insurance. They are very knowledgeable and they return emails and/or calls in a timely manner. They listen to what our concerns are and don't mislead us as others have done. Southern Fidelity is an honest company.

Company: Southern Fidelity,
Location: None

I am a 57 year old woman who lives with her fiance. We have our homeowner's insurance through Southern Fidelity. Our insurance was purchased in 2006 through Hughes Insurance Services in Bradenton. We have been happy with both the insurance agent and the company although I made a mistake of trying to switch to People's (which I would never recommend) in order to lower our insurance rate. We currently pay $2,202.00 and was offered another rate through a different agent of approximately $1,300.00 per year. We made the change and I sent cancellation to Southern Fidelity. Three months later I get a dropped notice from People's due to the inspection that was done AFTER we purchased the policy. I went back to Hughes and explained what I did. They contacted me and let me know that Southern Fidelity had never cancelled my policy. I was able to return to them and would never change from Hughes Insurance Services - I would look to them to guide me. My home was built prior to 1925 and is a wood frame. We have a shingle roof with two bedrooms and 1-1/2 baths. I do not bundle auto and home. My deductible is $1,000.00 except for hurricanes when it is $2,500.00.

Home Insurance Monthly Trends

The below graph compares Floridas home median prices against, renters and owners home insurance average rates in Florida.

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