Florida Home Insurance at a Glance
Florida home insurance averages $10,229 a year ($852 a month) across the 3 major insurers we compared, the highest of the 50 states and D.C. in our data and about 3.3 times their average. That’s for a 2,000 sq ft wood-frame house with a composition roof, built in 1997 and insured for $300,000 with a $1,000 deductible and a 2% hurricane deductible.
For the same home, prices among the 3 insurers we compared ranged from $502 to $1,034 a month. That’s a $532-a-month gap for identical coverage. These are sample prices for one example home, not quotes or offers.
- $300K dwelling
- $1,000 deductible
- 2% hurricane deductible
- $300K liability
- Built 1997
- Composition roof
- 2,000 sq ft wood-frame house
- See the homes we priced
Rates as of Sept. 30, 2026 · Page updated Oct. 26, 2026
Florida home insurance: key numbers
- Home
- $10,229/yr $852/mo
- Renters
- $242/yr $20/mo · no hurricane coverage
- Condo
- $723/yr $60/mo · no hurricane coverage
- Price rank of 51
- Highest
How much is home insurance in Florida?
The 3 major insurers we compared across Florida are State Farm, Heritage Property & Casualty (Heritage) and Universal Property & Casualty (Universal P&C). All three priced our sample home in every one of the 805 Florida ZIP codes in our data.
Homeowners insurance averages by insurer in Florida for our sample home (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| State Farm | $502 | $6,018 |
| Heritage | $1,022 | $12,262 |
| Universal P&C | $1,034 | $12,408 |
State Farm averaged $502 a month ($6,018 a year), Heritage $1,022 ($12,262) and Universal P&C $1,034 ($12,408) for our sample home.
Prices for the same house vary so much by insurer that the lowest one for our sample home may not be lowest for yours, so compare a few quotes.
A flat state average can hide big moves. For the same insurers and ZIP codes, Florida’s home average stayed about the same over the past ten months, at $849 a month in November 2025 and $852 in September 2026. Underneath, State Farm’s average for our sample home rose 30.4%, from $385 to $502 a month, while Universal P&C’s fell 9.4%, from $1,142 to $1,034, and Heritage’s didn’t change.
What changes your price: your home’s value and age, your roof, your ZIP code, your hurricane deductible, your claims and credit, and whether you insure a car with the same company. Compare quotes for your address to see where you land.
Your ZIP code matters
Is $400 a month a lot for home insurance in Florida?
Not in Florida. For our sample home, $400 a month ($4,800 a year) is 53.1% below the Florida average of $852, and only 3 of the 24 Florida cities in our table averaged less.
Where it’s typical: Tallahassee ($261), Gainesville ($309) and Jacksonville ($358) averaged under $400 a month for the same house. City averages in our table ran up to $2,223 in Miami Beach (a small sample of 4 ZIP codes).
Compared with other states: the average of the 50 states and D.C. for the same house is $258 a month, so $400 is 55.0% above it.
What decides it for you: your rebuild cost, roof, deductibles, claims and credit can move a real quote far from any average, so the way to know whether your price is high is to compare quotes for your Florida ZIP code.
Why do published Florida home insurance averages differ so much?
The state’s own figures show how much wind coverage matters. Florida’s Office of Insurance Regulation (OIR) reports an average homeowners premium of about $3,736 with wind coverage and $2,124 without it, among insurers licensed by the state (September 2026).
Our $10,229 a year for the sample home is about 2.7 times OIR’s with-wind figure. The two numbers measure different things:
- One house, not every policy: OIR averages the policies Floridians actually hold, newer and smaller homes included. We price the same 1997 house in every ZIP code.
- The roof: Our sample home has a composition roof and no roof-replacement year in our inputs, so for a 1997 house the roof could be 29 years old. Older roofs can narrow your choices.
- Wind coverage: Our sample home’s policy carries a 2% hurricane deductible, so hurricane wind is part of the price. Some Florida homeowners buy wind coverage separately: Citizens alone had about 55,500 personal wind-only policies at the end of August 2026.
- Every ZIP code counts once: Our average gives each of the 805 ZIP codes equal weight, so a high-priced coastal ZIP code counts as much as an inland one, however many homes it has.
- Which insurers are in it: Only the 3 major insurers that priced our sample home statewide are in our average. Citizens Property Insurance isn’t (see Citizens).
- Averages vs. medians: Some sources report a median, the middle price, which can sit well below an average when a few places cost far more.
Use our figures to compare places and insurers for the same house, then get quotes to price yours.
What is the 80% rule in homeowners insurance?
In Florida, an insurer can require you to insure your house for 80%, 90% or 100% of its replacement cost, the cost to rebuild it, according to the Florida Department of Financial Services. If you carry less, the insurer can pay only part of a partial loss, even one far smaller than your limit. People also call it the 80/20 rule or coinsurance.
How it works on our sample house: we priced $300,000 of dwelling coverage. Say the house would cost $300,000 to rebuild: 80% of that is $240,000. If a kitchen fire does $40,000 of damage, a $300,000 or $240,000 limit pays the repair in full, minus the $1,000 deductible. A $180,000 limit is 75% of the $240,000 required, so under a typical 80% clause the insurer could pay about 75% of the repair, $30,000, before the deductible. Your policy states its own rule.
How the 80% rule can change a $40,000 repair on our sample house (illustration, before the $1,000 deductible)
| Dwelling coverage | Insurer pays | Meets the 80% rule? |
|---|---|---|
| $300,000 | $40,000 | Yes: the full rebuild cost |
| $240,000 | $40,000 | Yes: exactly the minimum |
| $180,000 | $30,000 | No: below the minimum |
If your insurer requires 90% or 100%, the same math uses that share instead.
Rebuild cost isn’t your home’s price: replacement cost leaves out the land, because your land isn’t insured for property damage, according to the Florida Department of Financial Services. Market value includes the land, so the right limit can sit well above or below what you paid for the house.
Keep it current: a $300,000 limit meets the 80% rule for a house that would cost up to $375,000 to rebuild. Our Florida average of $852 a month is for that $300,000 limit, and a higher limit generally costs more. Raise your limit after a renovation or an addition, and ask your insurer how it figures your rebuild cost.
Which Florida cities cost the most and least to insure?
For our sample home, Tallahassee had the lowest average of the 24 Florida cities in our table, $261 a month, and Miami Beach the highest, $2,223, though Miami Beach has only 4 ZIP codes in our data. Tampa, at $665, and Orlando, at $637, sit below the Florida average; Miami, at $1,494, sits well above it.
Lowest vs. highest ZIP code for our sample home (rates as of Sept. 30, 2026)
Lowest
32308
Tallahassee
$256/mo
$3,077 a year
Highest
33070
Tavernier (Florida Keys)
$2,557/mo
$30,688 a year
For the same home, the highest-priced ZIP code in our Florida data cost about 10 times as much to insure as the lowest-priced one.
All five of the lowest-priced ZIP codes we priced are in Tallahassee, at $256 to $260 a month. The five highest-priced ZIP codes we priced are in the Florida Keys (Tavernier, Key Largo and Marathon) and Miami Beach (33140 and 33141), all above $2,400 a month.
Average homeowners insurance prices for our sample home in 24 Florida cities (rates as of Sept. 30, 2026)
| City | Per month | Per year | vs. Florida |
|---|---|---|---|
| Florida 805 ZIP codes | $852 | $10,229 | Baseline |
| Tallahassee 10 ZIP codes | $261 | $3,127 | −69.4% |
| Gainesville 9 ZIP codes | $309 | $3,704 | −63.8% |
| Jacksonville 28 ZIP codes | $358 | $4,290 | −58.1% |
| Ocala 11 ZIP codes | $439 | $5,263 | −48.6% |
| Lakeland 9 ZIP codes | $573 | $6,874 | −32.8% |
| Orlando 30 ZIP codes | $637 | $7,645 | −25.3% |
| Tampa 25 ZIP codes | $665 | $7,985 | −21.9% |
| Clearwater 9 ZIP codes | $681 | $8,170 | −20.1% |
| St. Petersburg 16 ZIP codes | $691 | $8,287 | −19.0% |
| Kissimmee 7 ZIP codes | $693 | $8,311 | −18.8% |
| Bradenton 9 ZIP codes | $719 | $8,625 | −15.7% |
| Sarasota 13 ZIP codes | $771 | $9,250 | −9.6% |
| Pensacola 10 ZIP codes | $807 | $9,681 | −5.4% |
| Fort Myers 10 ZIP codes | $953 | $11,433 | +11.8% |
| Pompano Beach 10 ZIP codes | $1,171 | $14,050 | +37.4% |
| Naples 14 ZIP codes | $1,233 | $14,792 | +44.6% |
| Fort Lauderdale 26 ZIP codes | $1,256 | $15,075 | +47.4% |
| Hollywood 9 ZIP codes | $1,259 | $15,112 | +47.7% |
| Boca Raton 9 ZIP codes | $1,409 | $16,911 | +65.3% |
| West Palm Beach 12 ZIP codes | $1,413 | $16,957 | +65.8% |
| Hialeah 7 ZIP codes | $1,440 | $17,275 | +68.9% |
| Miami 54 ZIP codes | $1,494 | $17,930 | +75.3% |
| Fort Pierce 8 ZIP codes | $1,631 | $19,571 | +91.3% |
| Miami Beach 4 ZIP codes, small sample | $2,223 | $26,679 | +160.8% |
Each city covers the ZIP codes in our data with that city as their main mailing address; fewer than 5 is a small sample.
For all 25 Tampa ZIP codes, plus Tampa’s renters and condo prices, see our Tampa home insurance guide.
How do South Florida, Tampa Bay, Orlando and Jacksonville compare?
South Florida is the highest-priced large region in our data: the same house averages $1,421 a month across Miami-Dade, Broward and Palm Beach counties, 66.7% above the Florida average. The Jacksonville area is the lowest-priced of the regions in the table below, at $363 a month.
Same sample home by Florida region (rates as of Sept. 30, 2026)
| Region | Per month | Per year | vs. Florida |
|---|---|---|---|
| Florida Keys (Monroe County) 5 ZIP codes, small sample | $2,463 | $29,559 | +189.0% |
| South Florida (Miami-Dade, Broward, Palm Beach) 179 ZIP codes | $1,421 | $17,052 | +66.7% |
| All coastal counties 595 ZIP codes | $977 | $11,718 | +14.6% |
| Panhandle and Big Bend coast (Escambia to Levy) 56 ZIP codes | $726 | $8,706 | −14.9% |
| Tampa Bay (Hillsborough, Pinellas, Pasco, Hernando) 125 ZIP codes | $663 | $7,957 | −22.2% |
| Orlando area (Orange, Seminole, Osceola, Lake) 77 ZIP codes | $606 | $7,271 | −28.9% |
| All inland counties 210 ZIP codes | $501 | $6,012 | −41.2% |
| Jacksonville area (Duval, St. Johns, Clay, Nassau, Baker) 52 ZIP codes | $363 | $4,361 | −57.4% |
| Florida 805 ZIP codes | $852 | $10,229 | Baseline |
Regions are groups of counties and can overlap. Our price requests put the house 10 miles from the coast in every ZIP code, so “coastal” here means a county on the Gulf or Atlantic shoreline, not a waterfront home.
Inside each region, the insurer still moved the price a lot. In South Florida, the 3 insurers’ averages for our sample home ran from $746 to $2,010 a month; around Tampa Bay, from $430 to $916; and in the Jacksonville area, from $273 to $441.
Which of the three came in highest also changed by region: Heritage in South Florida and the Panhandle, and Universal P&C around Tampa Bay, Orlando and Jacksonville.
Same house, different state: how does Florida compare?
The house stays the same in every row, so the gaps come from the state, not the home. Texas, at $640 a month, is the only other state in our data where our sample home averages more than $500 a month. Next door, the same house costs $276 a month in Alabama and $211 in Georgia.
Same sample home: average homeowners insurance prices in Florida, nearby states and the 50 states and D.C. (rates as of Sept. 30, 2026)
| Place | Per month | Per year | Florida vs. this place |
|---|---|---|---|
| Florida | $852 | $10,229 | Baseline |
| Texas | $640 | $7,674 | +33.3% |
| Louisiana | $497 | $5,968 | +71.4% |
| Mississippi | $332 | $3,987 | +156.6% |
| Alabama | $276 | $3,310 | +209.1% |
| Average of the 50 states and D.C. | $258 | $3,101 | +229.9% |
| Georgia | $211 | $2,536 | +303.3% |
| South Carolina | $165 | $1,980 | +416.7% |
Each state figure averages that state’s ZIP codes in our data the same way.
Renters and condo tell a different story (both prices leave out hurricane coverage). For our sample renter, Florida’s $20 a month ranks 29th-lowest of the 51 places with renters prices in our data, near the middle. Condo insurance runs high even without hurricane coverage: Florida’s $60 a month for our sample condo is 50.2% above the $40 monthly average of the 51 places with condo prices, and only five of them are higher.
Why is home insurance so expensive in Florida?
Our figures don’t separate causes, but these Florida facts shape what homeowners pay and how claims work.
Hurricanes hit Florida often, and hard
NOAA counts 94 billion-dollar weather and climate disasters that affected Florida from 1980 through 2024, 36 of them tropical cyclones. In September 2024, Hurricane Helene made landfall in the Big Bend as a Category 4 storm; about two weeks later, Hurricane Milton came ashore at Siesta Key as a Category 3, according to the National Hurricane Center.
More claims end up in court in South Florida
Florida regulators report that about 12% of the residential property claims closed in 2025 ended up in litigation statewide, and about 27% in Palm Beach, Broward and Miami-Dade counties.
The market is recovering
Florida Office of Insurance Regulation data show that Florida-based residential property insurers (not counting Citizens) had a combined ratio of 83% in 2025, down from 109% in 2022: claims and expenses took about 83 cents of each premium dollar. About 20 new insurers have entered the state since its recent insurance reforms, bringing more than $850 million in new capital.
How do hurricane deductibles work in Florida?
Your policy may have a separate hurricane deductible, usually a percentage of your dwelling coverage rather than a flat dollar amount. Our sample home’s 2% hurricane deductible is $6,000 on $300,000 of dwelling coverage, more than half of a year’s premium at the $10,229 Florida average for that house.
Under Florida law (Fla. Stat. §627.701), insurers must offer hurricane deductibles of 2%, 5% and 10% of your dwelling coverage (and, on homes insured for less than $250,000, $500). The hurricane deductible is one amount per calendar year, and its dollar amount must appear on your declarations page.
Your hurricane deductible in dollars (illustration only)
| Dwelling coverage | 2% | 5% | 10% |
|---|---|---|---|
| $200,000 | $4,000 | $10,000 | $20,000 |
| $300,000 (our sample home) | $6,000 | $15,000 | $30,000 |
| $400,000 | $8,000 | $20,000 | $40,000 |
| $500,000 | $10,000 | $25,000 | $50,000 |
The table shows deductibles, not premiums.
Try your own numbers
At 2% of $300,000, your hurricane deductible is $6,000.
This multiplies your numbers and nothing else. Your policy states its own percentage and the coverage it applies to on your declarations page.
Say you paid $4,000 toward a $6,000 hurricane deductible after an August hurricane. If a second hurricane strikes in October, you’d owe whichever is greater: the remaining $2,000 or your $1,000 regular deductible.
A higher deductible lowers your premium but raises what you pay after a claim.
How to find cheaper home insurance in Florida
The insurer that charges least for one Florida home can charge more for yours, so these steps focus on comparing well. None of them guarantees a lower price.
Compare at least three insurers: For our sample home, the 3 insurers we compared were $532 a month apart statewide, or $6,390 a year. In Broward County alone, their averages for the same house ran from $318 to $1,901 a month.
Shop before your renewal, and before a storm: Your own insurer’s price can move much more than the state average, so compare when your renewal notice arrives. Insurers can also pause new policies while a storm threatens Florida: Citizens paused new policies and coverage increases statewide during Hurricane Isaias in October 2026 and lifted the pause on Oct. 10.
Weigh your hurricane deductible in dollars: On a $300,000 home, a 5% hurricane deductible is $15,000 instead of $6,000 at 2%. A higher deductible lowers the premium, but only a quote shows by how much, so ask each insurer to price both.
Ask about wind-resistant features: Ask each insurer whether it credits features such as roof-to-wall connections or storm shutters. Also ask what proof, such as an inspection report, it needs.
Mind the roof: A newer roof can widen your choices. Florida law also lets insurers offer an optional roof deductible of up to 2% of your dwelling coverage or half the roof’s replacement cost, whichever is less. If you accept one, the insurer must give you a premium credit, and you can decline it.
Consider buying home and car together, with care: A multi-policy discount needs one insurer that writes both, and two of the three home insurers we compared don’t sell car insurance. See car + home.
If private insurers turn you down: see Citizens Property Insurance below.
How does roof age affect home insurance in Florida?
Roof age can affect both your price and whether an insurer will write your home, and Florida law sets some limits.
Under Florida law (Fla. Stat. §627.7011(5)), an insurer can’t refuse to write or renew your policy solely because your roof is less than 15 years old. If your roof is 15 years or older, you can have it inspected at your own expense. The insurer then can’t refuse you solely because of the roof’s age if the inspection shows at least five years of useful life left.
Roof age counts from when the whole roof was last built or replaced to code.
In our data, Citizens’ notes on its prices for our sample home cite a 25-year limit on composition roofs, one reason Citizens isn’t in our averages.
What are 4-point and wind mitigation inspections in Florida?
Two short inspections can decide whether an insurer will write an older Florida home and how much wind credit it gets. Neither is a full home inspection.
What is a 4-point inspection in Florida?
A Florida-licensed inspector checks four parts of the house: the roof, the electrical system, the plumbing, and the heating and air conditioning. Citizens Property Insurance requires one for homes more than 20 years old, and private insurers set their own rules. Our sample house was built in 1997, so it’s past that age. If an older roof has less than five years of useful life left, Citizens wants proof it was replaced before it writes the policy.
What is a wind mitigation inspection in Florida?
It records the features that help a house stand up to hurricane wind, such as roof-to-wall connections and storm shutters, on Florida’s official form (OIR-B1-1802; a new version took effect April 1, 2026). Florida law requires insurers’ rate filings to include discounts or credits for qualifying features (Fla. Stat. §627.0629), so the report can lower your premium. Licensed home inspectors with hurricane mitigation training, building code inspectors, licensed contractors, engineers and architects can sign it, and the Florida Department of Financial Services says a report can be used for up to five years.
What is Citizens Property Insurance, and who qualifies?
Citizens Property Insurance is Florida’s state-backed insurer of last resort. Under Florida law (Fla. Stat. §627.351), you generally qualify if no private insurer will offer you coverage, or if a private insurer’s offer is more than 20% higher than Citizens’ price for comparable coverage. Homes with a replacement cost of $700,000 or more generally aren’t eligible.
Here’s how the 20% rule works, as an illustration rather than a real Citizens price. If Citizens would charge $5,000 a year for comparable coverage, a private offer of $6,000 is exactly 20% higher and wouldn’t qualify you; a higher private offer would.
Citizens has shrunk fast. It reported about 254,000 policies in force on Oct. 9, 2026, down from about 1.4 million in September 2023, and it moved about 546,000 policies to private insurers in 2025.
Citizens isn’t in our averages: for our sample home, its notes cite the roof’s age and a seasonal-home rule in every Florida ZIP code we priced.
What if your insurer won’t renew your Florida home?
All 3 private insurers we compared priced our sample home in every Florida ZIP code we priced.
Florida law also adds protections after a hurricane. Once the Governor declares an emergency and the Insurance Commissioner issues an order, insurers generally can’t cancel a residential policy until 90 days after hurricane damage is repaired, according to the Florida Department of Financial Services. Florida also now gives homeowners one year to file a new property claim.
Got a nonrenewal notice?
- Check the date your coverage ends, and start shopping well before then.
- Read the reason. If it’s the roof, an inspection showing at least five years of useful life may change your options.
- If no private insurer offers coverage, ask about Citizens Property Insurance.
Got a notice? See which insurers will quote your Florida ZIP code.
Ready to compare
How much is renters insurance in Florida?
Renters insurance for our sample renter averages $20 a month ($242 a year) in Florida. Our renters price requests didn’t include a hurricane deductible, so these renters prices leave out hurricane coverage, a large part of the cost on the coast. State Farm and Universal P&C had the lowest averages of the 3 insurers we compared, at $18 and $19 a month. For our sample renter, prices among the 3 insurers we compared (State Farm, Universal P&C and American Strategic Insurance, or ASI) ranged from $18 to $24 a month, a $6-a-month gap for the same coverage.
Florida’s renters average, without hurricane coverage, is 5.6% lower than the $21-a-month average of the 51 places with renters prices in our data.
Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 2,415 sample prices by 3 insurers across 805 Florida ZIP codes.
- $40K belongings
- $300K liability
- $1,000 deductible
For the same insurers and ZIP codes, the Florida renters average rose slightly (1.1%) over the past ten months. Across Florida ZIP codes, the sample renter’s price ran from $15 a month, tied in three St. Johns County ZIP codes, to $30, tied in five Miami-area ZIP codes.
The renters prices in the table below leave out hurricane coverage.
Renters insurance averages by insurer in Florida for our sample renter (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| State Farm | $18 | $211 |
| Universal P&C | $19 | $226 |
| ASI (American Strategic Insurance) | $24 | $288 |
State Farm averaged $18 a month ($211 a year), Universal P&C $19 ($226) and ASI $24 ($288) for our sample renter.
What does renters insurance cover that your landlord’s policy doesn’t?
Your landlord’s policy generally covers the building, not your belongings or your liability; renters insurance fills those gaps. Our sample renter policy covers belongings up to $40,000 after a covered event, such as a fire or a theft, and adds up to $4,000 for temporary housing if a covered loss makes the apartment unlivable. It also includes $300,000 of liability and $1,000 of medical payments for injured guests.
Is renters insurance required in Florida?
Your lease may require it. If it does, check the liability amount it asks for and match it when you compare prices.
Where does renters insurance cost the most in Florida?
For our sample renter, Miami-Dade County averages $27 a month, the highest of the counties and regions in our Florida figures. The Tampa Bay area averages $18 and the Orlando area $19, close to the $20 statewide average. These renters prices leave out hurricane coverage.
How we got these renters prices: each insurer’s average across Florida’s 805 ZIP codes. Sample prices, not quotes or offers.
How much is condo insurance in Florida?
Condo insurance for our sample condo averages $60 a month ($723 a year) in Florida. Our condo price requests didn’t include a hurricane deductible, so these condo prices leave out hurricane coverage, a large part of the cost on the coast. Universal P&C and Heritage had the lowest averages of the 3 insurers we compared, at $54 and $55 a month. For our sample condo, prices among the 3 insurers we compared ranged from $54 to $71 a month, a $17-a-month gap for the same unit.
Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. The owner is 40, single, has good credit and no claims in 10 years.
- $60K unit coverage
- $60K belongings
- $300K liability
- $1,000 deductible
- Built 2005
For the same insurers and ZIP codes, the condo average rose slightly (1.2%) over the past ten months. Across Florida ZIP codes, its price ran from $36 a month, tied in 10 Tallahassee ZIP codes, to $152 in Hialeah’s 33013. By region, South Florida averages $98 a month for the same condo and the Jacksonville area $41.
The condo prices in the table below leave out hurricane coverage.
Condo insurance averages by insurer in Florida for our sample condo (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| Universal P&C | $54 | $652 |
| Heritage | $55 | $663 |
| State Farm | $71 | $853 |
Universal P&C averaged $54 a month ($652 a year), Heritage $55 ($663) and State Farm $71 ($853) for our sample condo.
What does your condo association’s policy cover, and what’s left to you?
In Florida, the association’s master policy covers the building, and your condo policy covers much of the inside of your unit.
Under Florida law (Fla. Stat. §718.111(11)(f)), the association’s policy must leave out your personal property; floor, wall and ceiling coverings, such as carpet; electrical fixtures and appliances; water heaters and water filters; built-in cabinets and countertops; and window treatments, such as blinds, all of which are the unit owner’s to insure.
That’s why a condo policy is often called walls-in coverage. In our sample condo policy, the $60,000 of unit coverage is the part meant for items like these, and the $60,000 for belongings covers your things.
What is loss assessment coverage?
When a loss hits shared parts of the building, the association may split part of the cost among owners, and loss assessment coverage can pay your share. Under Florida law (Fla. Stat. §627.714), unit-owner policies must include at least $2,000 of it, with a deductible of no more than $250, for assessments that result from a covered direct loss.
Florida condo rules that affect your insurance bill
- Milestone inspections: condo buildings with three or more habitable stories need a milestone inspection by Dec. 31 of the year the building turns 30, then every 10 years; the local building official may require it at 25 years, for example for buildings near salt water (Florida law, Fla. Stat. §553.899).
- Reserve studies: most associations must complete a structural integrity reserve study at least every 10 years and fund reserves for major components, which can raise dues or lead to special assessments (Florida law, Fla. Stat. §718.112).
What to check with your HOA or condo association before you buy condo insurance
- The master policy: ask for its certificate of insurance and declarations page.
- The master hurricane deductible: how large is it, and could the association pass part of it to owners after a storm?
- Reserves and inspections: ask for the latest structural integrity reserve study and any milestone inspection report.
- Loss assessment: ask your insurer how much loss assessment coverage your policy includes, beyond Florida’s $2,000 minimum.
You may also want to compare: car + home insurance in Florida
| Our sample home | Our sample car |
|---|---|
| $852/mo homeowners insurance | $331/mo full-coverage car insurance |
The home price uses rates as of Sept. 30, 2026 and the car price uses the latest rates on our car insurance page, for two different examples (the house we priced and our 40-year-old driver with a 2024 Toyota Camry LE), so they’re separate prices, not a bundle price.
In Florida, two of the three home insurers we compared, Heritage and Universal P&C, don’t sell car insurance, so the discount is possible only with an insurer that writes both. Depending on the insurer, it may apply to one policy or both, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.
See Florida car insurance rates · Tampa car insurance rates · How bundling home and auto insurance works
Frequently asked questions about home insurance in Florida
How much is home insurance in Florida?
For the house we priced, it’s $10,229 a year ($852 a month) on average, with rates as of Sept. 30, 2026. Where you live moves that a lot: the same house averaged $256 a month in Tallahassee’s 32308 ZIP code and $2,557 in Tavernier’s 33070, in the Florida Keys.
Is $400 a month a lot for home insurance in Florida?
For the house we priced, no: $400 a month is below the $852 Florida average, and only Tallahassee, Gainesville and Jacksonville averaged less among the 24 cities in our table. Your own price depends on your home, roof and deductibles, so compare quotes for your ZIP code.
Who has the cheapest home insurance in Florida?
It depends on your home. Prices for the same house ranged from $502 to $1,034 a month across the 3 major insurers we compared, so comparing quotes matters more than any one name. Your roof, deductible, claims and credit can change which insurer comes in lower for you. Enter your ZIP code to compare quotes for your address.
What city in Florida has the cheapest home insurance?
Among the 24 Florida cities in our table, Tallahassee had the lowest average for our sample home, $261 a month, followed by Gainesville at $309 and Jacksonville at $358. Miami Beach, a small sample, had the highest of the 24, at $2,223. Within any city, the insurer you pick can still move the price a lot.
Is homeowners insurance really expensive in Florida?
Yes. For our sample home, Florida’s $852 a month is the highest state average in our data. Hurricane exposure is part of the picture: NOAA counts 36 billion-dollar tropical cyclones that affected Florida from 1980 through 2024. In our data, coastal counties average $977 a month for the same house and inland counties $501.
Are Florida home insurance rates going down in 2026?
For our sample home, the statewide average stayed about the same over the past ten months, at $852 a month as of Sept. 30, 2026, though one insurer’s average rose 30.4% and another’s fell 9.4%. Florida regulators reported in September 2026 that insurers’ homeowners rate requests over the prior 30 days averaged a 4.8% decrease.
How much is homeowners insurance on a $300,000 house in Florida?
The house we priced is insured for exactly $300,000: it averages $10,229 a year across 3 major insurers, for a 1997 wood-frame house with a $1,000 deductible and a 2% hurricane deductible, which is $6,000. We haven’t priced other dwelling amounts, so a $400,000 or $500,000 home needs its own quote.
Does home insurance cover hurricanes in Florida?
Policies that include wind coverage pay for covered hurricane damage after a separate hurricane deductible, usually a percentage of your dwelling coverage, that applies once per calendar year. On our sample home, the 2% hurricane deductible is $6,000. Some Florida policies leave wind out, so check your declarations page. Flood damage needs a separate flood policy.
Is flood damage covered by home insurance in Florida?
No. Home, renters and condo policies generally exclude flood damage. A separate flood policy, from federal flood insurance or a private insurer, usually starts 30 days after you buy it (FEMA), so don’t wait for a storm in the forecast to buy one.
How do I compare home insurance quotes in Florida?
Start with your ZIP code, then compare the same coverage across at least three insurers: the same dwelling amount, deductible and hurricane deductible in dollars, and whether wind is included. Ask about roof-age rules and credits for wind-resistant features. For our sample home, the 3 insurers’ averages were $532 a month apart.
Official resources for Florida homeowners
- Florida Office of Insurance Regulation, consumer resources The state regulator’s tools and guides for insurance shoppers.
- OIR: Florida homeowners insurance market The regulator’s market figures, including average premiums with and without wind coverage.
- Florida Department of Financial Services, Division of Consumer Services Help with insurance questions and complaints, including an insurance help line, (850) 413-3089.
- Citizens Property Insurance The state-backed insurer of last resort, with policy, claims and storm-preparation information.
- FEMA Flood Map Service Center The official source for FEMA flood maps.
- FloodSmart FEMA’s site for the National Flood Insurance Program.
- NOAA billion-dollar disasters: Florida Federal data on the costliest weather and climate disasters to affect Florida.
How we calculated these prices
We priced the same house, apartment and condo with 3 major insurers in each of 805 Florida ZIP codes, using licensed insurance rate data from Quadrant Information Services, with rates as of Sept. 30, 2026. Each Florida figure is the average of the ZIP-code averages, so every ZIP code counts once, and monthly figures are yearly figures divided by 12. When one insurer’s price for our sample home is far below the next one’s, as it is for Florida homes, we don’t name a cheapest insurer. These are sample prices for one example home, renter and condo, not quotes or offers.
How we priced this
The homes we priced
- Home (HO-3): Our sample home is a 2,000-square-foot, two-story wood-frame house with a composition roof, built in 1997, insured for $300,000 with $150,000 for belongings, $300,000 liability and a $1,000 deductible, plus a 2% hurricane deductible. The owner is 40, single, has good credit and no claims in 10 years.
- Renters (HO-4): Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims.
- Condo (HO-6): Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. Same owner profile as the home.
- All three are in protection class 3 (a fire-protection rating), 1,000 feet from a hydrant and 3 miles from a fire station. Our price requests set the distance to the coast at 10 miles for every ZIP code, so the figures don’t change with a home’s real distance from the water. Our renters and condo price requests didn’t include a hurricane deductible, so those prices leave out hurricane coverage, a large part of the cost on the coast; the home prices include the 2% hurricane deductible.
How the averages work: for each insurer and ZIP code we used its lowest eligible price for our sample home, renter or condo, averaged the insurers in each ZIP code, then averaged the ZIP codes. Percentages are worked out before rounding, so they can differ slightly from the rounded dollars shown. The price change compares the same insurers in the same ZIP codes on Nov. 30, 2025, and Sept. 30, 2026. We don’t name a lowest-priced insurer when its lead over the next one is more than 30%, and we name insurers among the lowest-priced only if they were priced in at least 90% of the place’s ZIP codes.
Sample: for each line, 2,415 sample prices from 3 insurers across 805 ZIP codes in 66 counties, one price per insurer per ZIP code. City figures cover the ZIP codes in our rate data whose main post-office city is that city, not every ZIP code in the city. Regions group ZIP codes by county and can overlap.
Insurer notes: we review every note an insurer attaches to a price before publishing. Citizens Property Insurance isn’t in these averages: its notes cite the roof’s age and a seasonal-home rule for our sample home, and a seasonal-home rule for the rental and condo, in all 805 ZIP codes. No other Florida price was removed.
Insurers no longer in our data: Federated National was in our November 2025 home and renters data for Florida but not in the September 2026 data, so it isn’t in these averages or their price-change figures. Its November 2025 condo prices came with a minimum-coverage note and weren’t used.
Comparisons: state figures use the same method and rates; the 50-states-and-D.C. figure averages each state’s average and D.C.’s. The renters and condo comparisons cover the same 51 places; in Maine, those two figures come from one insurer.
Sources for local facts: Florida Office of Insurance Regulation, Florida Department of Financial Services, Citizens Property Insurance, Florida Statutes (§§553.899, 627.351, 627.701, 627.7011, 627.714, 718.111, 718.112), National Hurricane Center, NOAA National Centers for Environmental Information, FEMA, Insurance Information Institute (car + home discount range only).
Rates as of Sept. 30, 2026; price-change comparison run Nov. 30, 2025.
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- About the Author
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Autumn Cafiero Giusti is a licensed life and health insurance broker and award-winning journalist with more than 20 years of experience. She writes extensively about flood, Medicare, home, and life insurance for publications like U.S. News and CBS News.
