Florida Home Insurance Quotes
Getting affordable Florida home insurance is easy. Just enter your ZIP code to see real quotes from top-rated providers—no fees, no long forms. It takes only minutes to find your best rate.
Florida homes face unique risks like hurricanes, heavy rain, pools, and even trampolines. These can raise your insurance costs if not handled right. We connect you with trusted carriers that understand Florida’s needs and offer smart coverage that can save you up to $550 a year.
Instant ZIP-Code Quotes
Just enter your ZIP code to view accurate homeowners estimates instantly. No sign-up, no commitment, and no waiting.
Home Insurance Quote
Compare quotes from Florida’s leading insurers in seconds.
Coverage Details
A strong home insurance policy does more than just cover big events. It also protects you from everyday risks, like water leaks from broken pipes or power surges that damage your electronics.
Many Florida policies include loss-of-use coverage. This helps pay for temporary housing, meals, and living expenses if your home becomes unlivable after a covered event.
Structure & Contents
Your policy covers rebuilding your home’s structure and replaces damaged belongings like furniture and electronics.
Limits are based on replacement cost, so you get full reimbursement up to your coverage amount.
Liability & Additional Protections
Liability protection covers accidents on your property. Add-ons guard against pool and trampoline injuries.
Customize further with flood, windstorm, and other endorsements for full peace of mind.
Perils Covered
Standard policies include fire, burglary, storms, floods, and hurricanes.
We compare insurers that know Florida risks best to secure your most comprehensive protection.
Explore Safeway Insurance quotes for budget-friendly plans, green-energy credits, and award-winning support.
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
Want more options? Browse our Florida insurance provider list to compare ratings, coverage types, and special features all in one place.
Tired of high premiums? Get fast, personalized quotes by entering your ZIP code above. No signup, no hassle—just accurate results in seconds.
Looking for smart savings? Progressive Insurance offers digital tools, bundling discounts, and flexible coverage options that make protecting your home simple.
Florida’s climate changes quickly—so should your coverage. Review your home insurance each year to make sure your policy reflects current property values and risks.
Installing smart tech like alarm systems and leak detectors? Many insurers offer discounts for homes with these upgrades, helping you save while boosting protection.