Florida Home Insurance Quotes
Finding the right Florida home insurance can feel like navigating a hurricane—I’ve run several ZIP-code tests myself and saw premiums vary by hundreds of dollars overnight. Enter your ZIP code to get real quotes in minutes, with no hidden fees or phone calls.
Florida homes face unique risks—hurricanes, heavy rain, pool liability, even high winds. These factors drive up costs if your policy isn’t tailored. We connect you with top carriers who understand local exposures and offer smart coverage that can save you up to $550 per year.
Instant ZIP-Code Quotes
Simply enter your ZIP code to view live homeowners estimates from leading insurers. No signup required, no obligations—just accurate, side-by-side quotes.
Get Your Home Insurance Quote
Compare quotes from Florida’s leading insurers in seconds.
Coverage You Can Customize
A strong policy protects more than just major disasters. Look for water-damage coverage for burst pipes, power surge protection for electronics, and loss-of-use benefits if you must relocate after a claim.
Many Florida plans include “additional living expense” coverage, reimbursing hotel and meal costs if your home is uninhabitable after a covered event.
Structure & Contents
Coverage for your home’s structure and your belongings is based on replacement cost. Make sure your limits reflect current rebuilding and replacement expenses.
Options include guaranteed replacement cost and extended replacement cost—key protections in high-construction-cost areas.
Liability & Add-Ons
Liability covers accidents on your property, from pool mishaps to slip-and-fall claims. Add endorsements for trampolines, personal injury, and water backup to avoid surprise gaps.
Consider flood and windstorm riders if you live in a coastal or flood-prone ZIP code—standard policies often exclude these perils.
County Rate Examples
- Leon County (Tallahassee): ~$1,115/year
- Duval County (Jacksonville): ~$1,230/year
- Clay County (Green Cove Springs): ~$1,350/year
- Alachua County (Gainesville): ~$1,370/year
- Putnam County (Palatka): ~$1,390/year
Next Steps
Ready for more choices? Visit our Florida insurance provider list to compare company ratings, claims service and special features—all in one place.
Revisit your policy each year. Florida’s risk profile shifts with new building codes, climate patterns, and property values. A quick annual quote check can uncover fresh savings.
Smart Savings Tips
Installing smart home devices—leak detectors, monitored alarms, surge protectors—often earns you discounts. Combine those with a good-driver credit and paperless billing for maximum savings.
Bundling home and auto policies with the same insurer can unlock multi-policy discounts of 10–15%. Check out our Progressive Insurance page for digital-first bundling tools and Snapshot rewards.