Homeowners Insurance Services

As a homeowner in Florida, it's not uncommon to review additional coverage options for your home when it comes to high wids, floods and sink hole areas. Protecting your home in high risk areas is your top priority and getting the coverage you need at a price you can afford is ours. At FloridaHomeInsurance.com we strive to make the situation easy for Florida homeowners like you shopping for insurance in the Sunshine State. That's why we have partnered with Best Rate Insurance so you compare multiple home insurance policies and our excellent customer service provides the consultation that you need to help answer questions and get a coverage plan that is just right for your home.

For homeowners insurance quotes, you have the priviledge of shopping top rated home insurance carriers that have competitive rates in your area. Some may include: Florida Pennisula, American Modern, People's Trust, Bankers, Federated National, Foremost, Citizens, Olympus and many more. Please call now to speak with a licensed Florida insurance professional or get Florida home insurance quotes online to compare rates and coverages.

You can now shop multiple Florida home insurance quotes online with FloridaHomeInsurance.com. For quotes, simply enter your zip code and choose a multiple carrier options to review coverage and cost. Here are some of our competitive and most popular areas in Florida: Tallahassee, Jacksonville, Fort Myers, Miami, Fort Lauderdale, Orlando, Tampa and throughtout the state.

Because Florida is in the southeastern region of the United States bordering the Alantic Ocean on the east and the Gulf Coast on the west you will find that most home insurance carriers prefer that you not only have wind and hail coverage but also flood insurance. Please understand that flood insurance is a separate policy and is not covered under a standard homeowners insurance policy.

Average Florida Home Insurance Rates

Homeowners insurance rates in Florida can vary significantly depending on the city due to factors like location, risk of natural disasters, and the home's characteristics. Here's a brief overview of the average rates in some of Florida's top cities:

1. Tallahassee: The average annual homeowners insurance rate is around $1,500 to $1,900. This area is less prone to hurricanes compared to coastal cities, which helps keep rates lower.

2. Jacksonville: Rates in Jacksonville typically range from $1,700 to $2,100 annually. The city’s inland location somewhat reduces hurricane risk, but the possibility of flooding can still impact premiums.

3. Fort Myers: With a higher risk of hurricanes, Fort Myers homeowners often see rates between $2,200 and $3,100 per year.

4. Miami: As one of the most hurricane-prone areas in the state, Miami’s rates are among the highest, averaging between $3,200 and $4,300 annually.

5. Fort Lauderdale: Similar to Miami, Fort Lauderdale homeowners can expect to pay between $3,100 and $3,800 due to the high hurricane risk.

6. Orlando: Inland and less prone to hurricanes, Orlando’s average rates range from $1,800 to $2,200 per year.

7. Tampa: With its coastal location, Tampa sees rates between $2,100 and $2,800 annually, influenced by hurricane and flood risks.

Discounts and Ways to Save:

• Wind Mitigation: Homes with wind-resistant features, like storm shutters or reinforced roofs, can qualify for significant discounts.
• Bundling: Combining your homeowners insurance with other policies, such as auto insurance, often results in a multi-policy discount.
• Security Systems: Installing burglar alarms, smoke detectors, or other security systems can lower your premium.
• Loyalty Discounts: Long-term policyholders might be eligible for loyalty discounts with their insurer.
• Higher Deductibles: Opting for a higher deductible can reduce your annual premium, though it means more out-of-pocket costs in the event of a claim.

Comparing quotes from different insurers and regularly reviewing your policy can also help you find the best rates and savings. At FloridaHomeInsurance.com, this is what we do best. With over 30 different companies we can easily shop and compare home insurance rates for you. Our process is hassle free, let us help you find great rates today!

Top 25 Cities We Serve For Homeowners Insurance