Best Home Insurance in Florida (2026)

Florida homeowners insurance: the most expensive market

Florida has the highest homeowners insurance premiums in the United States, with an average annual cost of $4,200 for a standard HO-3 policy. This is nearly three times the national average of $1,500. Hurricane exposure is the dominant cost driver: Florida accounts for roughly 79% of all US hurricane-related insurance claims despite representing only 7% of the nation's insured coastal properties.

Coverage requirements and common gaps

Florida does not legally require homeowners insurance, but mortgage lenders universally mandate it. Standard HO-3 policies cover wind damage in most of the state, but properties in designated "wind pool" zones may need separate windstorm coverage through Citizens Property Insurance Corporation, the state-backed insurer of last resort. Flood insurance is never included in standard policies. Given that Florida leads the nation in flood claims, a separate NFIP or private flood policy is essential for nearly all homeowners.

Coverage type	Annual average (Florida)	National average
Standard HO-3	$4,200	$1,500
HO-3 + flood	$5,100	$2,000
Citizens wind-only	$2,800	N/A

Florida-specific regulations protecting homeowners

Florida's Office of Insurance Regulation (OIR) reviews all rate filings. Senate Bill 2A (2022) and HB 837 (2023) reformed the state's insurance litigation landscape by eliminating one-way attorney fees and restricting assignment of benefits (AOB) abuse, which had driven up premiums for years. The My Safe Florida Home program provides grants up to $10,000 for hurricane-hardening improvements like impact windows, roof straps, and reinforced garage doors.

How to reduce Florida home insurance costs

Roof age is the single biggest controllable factor. A roof under 10 years old can reduce premiums by 15-25%. Installing hurricane shutters or impact-resistant windows qualifies for wind mitigation credits that save 10-45% depending on the insurer. Raising your hurricane deductible from 2% to 5% of dwelling value lowers premiums but increases out-of-pocket risk. Bundling with auto insurance saves 10-15%. Florida residents should obtain a free wind mitigation inspection, as most homes qualify for at least some discount that many homeowners never claim.

Filing a homeowners claim in Florida

Florida requires insurers to acknowledge claims within 14 days and make payment or denial within 90 days. After a hurricane, the governor can issue emergency orders extending these timelines. Document all property damage with photos and video before making temporary repairs. Keep all receipts for emergency repairs, as these are typically reimbursable under your policy.