If you're shopping for homeowners coverage in Florida, you're in the right place to compare your top options side by side. We did the legwork so you can move from browsing to a shortlist fast.
August 30, 2026
Florida homeowners pay more for coverage than anyone else in the country, and sorting through carriers can feel overwhelming. The Sunshine State has the nation's highest median property insurance cost for mortgaged homes at $2,273 a year, according to US Census Bureau data.
Here's the good news: the market is stabilizing in 2026. Florida posted the lowest average homeowners rate filing in the US in 2024 at 1%, while 30-plus states saw double-digit jumps, per the Insurance Information Institute (Triple-I).
A practical way to save is to compare several quotes at once instead of calling carriers one by one. Below, we break down where to compare home insurance and what to check before you buy.
You can trust this comparison because it pairs current, primary-source Florida market data with a review of quote-comparison partners that match you to multiple carriers at once. Our top three picks for comparing Florida coverage are QuoteWizard, Insurify, and SelectQuote.
Our recommendations focus on services that let you compare Florida coverage in one place rather than on single carriers. Here are our five picks and who each one fits best:
We evaluated these providers on how well they help Florida homeowners compare real coverage options, not on carrier ratings alone. Because Florida's market shifts quickly, we weighed each service against current 2026 conditions.
Our core criteria included:
We describe only criteria we actually applied. These are marketplaces and quote-matching services, so we assessed the comparison experience rather than underwriting any single Florida carrier.
Below is a consistent, side-by-side review of each pick so you can compare like for like. Every block follows the same format: positioning, pros and cons, key features, and our take.
QuoteWizard is a quote-comparison marketplace that matches your details to several home insurance carriers at once. For Florida shoppers facing a hard market, more offers in one pass means a clearer read on what you'd actually pay.
Pros | Cons |
|---|---|
Matches you to multiple carriers from one form | You complete the purchase with the carrier or an agent, not on-site |
Fast, ZIP-based quote flow | Available carriers vary by Florida ZIP code |
Coverage-need questions help tailor results | Follow-up contact from agents is common |
Key features:
Bestie's Take: Using QuoteWizard makes it easy to compare multiple home insurance premiums at once, which saves you time and helps you see which insurer can offer you the best rate for your situation and coverage needs.
Read our full QuoteWizard review
Insurify is a comparison marketplace built around surfacing a broad set of carriers from a single quote request. If your goal is to see as many Florida options as possible before you commit, its network breadth is the draw.
Pros | Cons |
|---|---|
Wide network of partner carriers | Final offers depend on carriers active in your area |
Streamlined online comparison experience | You finish the policy with the selected carrier |
Filters help you narrow by coverage needs | Results can shift as Florida carriers adjust appetite |
Key features:
SelectQuote pairs online comparison with agent guidance, which helps if you'd rather talk through Florida's coverage quirks than sort them alone. That hands-on layer suits first-time buyers and anyone navigating a non-renewal.
Pros | Cons |
|---|---|
Agent support alongside quote comparison | Less self-serve than a pure online marketplace |
Helpful for complex or coastal properties | Expect a call as part of the process |
Walks you through coverage tradeoffs | Carrier availability varies by location |
Key features:
Read our full SelectQuote review
Lemonade is a digital-first insurer known for an app-driven signup and claims experience. If you value speed and a fully online flow over agent contact, it's worth including in your Florida comparison where it's available.
Pros | Cons |
|---|---|
Fully digital signup and claims | Availability and homeowners eligibility vary by Florida area |
Fast, app-based experience | Less hands-on guidance than agent-assisted options |
Clear, straightforward policy management | Digital-only support won't suit everyone |
Key features:
Insurance Honey is a quote-matching service that connects your details to coverage options suited to your property. Its personalized approach helps if you have specific Florida needs, like coastal exposure or added structures.
Pros | Cons |
|---|---|
Personalized quote matching | You complete the policy with the matched provider |
Considers property-specific needs | Options depend on partner availability in Florida |
Simple online starting point | Expect follow-up to finalize coverage |
Key features:
Read our full Insurance Honey review
Choosing well in Florida comes down to a handful of decisions that matter more here than in most states. Use the factors below to compare offers on more than price alone.
The median Florida homeowner pays around $2,273 a year, but your own number depends heavily on where you live. Coastal properties in places like Miami-Dade or Monroe County routinely pay several times that, while inland homes in the Panhandle or Central Florida often land much closer to the median.
Roof age, home value, and construction type also move the number significantly, two homes on the same street can carry very different premiums based on those factors alone.
On $400,000 in dwelling coverage with a 2% hurricane deductible, you'd pay the first $8,000 of covered hurricane damage yourself before coverage kicks in, based on the deductible percentages set by Florida's Department of Financial Services (DFS). That's worth having set aside before a storm ever makes landfall.
Yes, you almost certainly need separate flood coverage, because standard homeowners policies exclude flood damage. The National Flood Insurance Program covers your building up to $250,000 and its contents up to $100,000, according to FEMA's FloodSmart.
Flood pricing is now more individualized. Under FEMA's Risk Rating 2.0, each property is priced on factors like storm surge, flood type, elevation, and rebuild cost, with annual increases capped at 18%. That cap matters if your flood risk was previously underpriced, since a policy can climb 18% a year for several years in a row before it fully reflects your property's actual risk.
A low first-year quote doesn't guarantee a low rate down the road, and for coastal Florida homes with high surge exposure, that gradual climb can add up fast.
Florida hurricane deductibles are a percentage of your dwelling limit and apply once per calendar year, not once per storm. Insurers must offer hurricane deductible options of $500, 2%, 5%, or 10% of dwelling limits, per Florida Statute 627.701. The window itself is defined by Florida Statute 627.4025.
The deductible is triggered when the National Hurricane Center issues a watch or warning for any part of Florida, and it applies until 72 hours after the last watch or warning ends. Some competitor pages wrongly describe this as per-storm or per-season, so read your policy carefully.
Yes, wind mitigation upgrades can lower your premium, and Florida law requires insurers to offer credits for them. Under Florida Statute 627.0629, insurers must offer actuarially based discounts or deductible reductions for features that reduce wind damage.
A new inspection form, OIR-B1-1802 (Rev. 04/26), became mandatory as of April 1, 2026. If your inspection predates that, it's worth checking whether your discount still applies. Either way, a current inspection remains one of the more reliable ways to save money on home insurance.
"Wind mitigation is one of the best places to look for savings. Features like hurricane straps, a hip roof, impact windows, storm shutters, and a stronger roof deck can earn credits. I tell homeowners to get a wind mitigation inspection before assuming they need expensive upgrades. They may already have features that qualify. The inspection often costs far less than the credit it can provide."
— John Espenschied, Agency Principal and Owner, Insurance Brokers Group
Check a carrier's financial-strength rating before you buy, especially if you have a mortgage. For a loan backed by Fannie Mae, an insurer generally needs an AM Best rating of "B" or better or a Demotech rating of "A" or better, per the Fannie Mae Selling Guide (B7-3-01).
A Demotech "A" means 97% or more of similarly rated carriers are expected to keep a positive surplus at 18 months. Many Florida specialty carriers are rated by Demotech rather than AM Best. Treat a rating as one signal of stability, not a guarantee, and weigh it alongside price and coverage.
This guide is for Florida homeowners and buyers who want to compare coverage without the usual runaround. You'll find it useful if you're:
Florida home insurance got expensive largely because of excessive litigation, and it's now getting better after major reforms.
In 2023, Florida accounted for more than 72% of the country's homeowners claim litigation while representing about 10% of claims, a wildly disproportionate share for one state. Legal-system-abuse reforms in 2022 and 2023 have started to close that gap:
Yes, and quickly. More than 10 new property and casualty insurers were approved to enter Florida as of January 2025, and the effect on rate requests has been immediate:
Citizens is shrinking as private options grow, which is generally a sign of a healthier market, homeowners aren't turning to the state as a last resort as often as they used to.
If a private insurer offers coverage within 20% of a Citizens renewal premium, you're generally ineligible for Citizens, so comparing private quotes should be your first move.
"The Florida market still isn't easy, but it's not the free fall it was a few years ago. Buyers have more choices than before, yet the fine print still matters a lot. Rates have started to level out in some areas, and some companies have even filed decreases. But I wouldn't call Florida home insurance cheap or predictable. A coastal address, roof age, claims history, and rebuilding cost can still increase the price quickly."
— John Espenschied, Agency Principal and Owner, Insurance Brokers Group
Which home insurance company is best in Florida?
There's no single best carrier for everyone, because Florida prices depend heavily on your location, roof age, and coverage needs. The most reliable approach is to compare several offers at once using a marketplace like QuoteWizard or Insurify.
How much is homeowners insurance in Florida?
Florida has the nation's highest home insurance costs, the median for mortgaged homes was about $2,273 in 2023. Your own quote varies by ZIP code, roof age, and coverage, so compare a few offers before you settle on one.
Is Florida home insurance getting cheaper in 2026?
It's stabilizing, and some relief is on the way. Citizens recommended an average statewide rate reduction of about 8.7% for personal lines effective June 1, 2026, its first average decrease since 2015, pending approval.
Does Florida home insurance cover hurricane and flood damage?
Hurricane wind damage is typically covered, but it carries a separate hurricane deductible, and flood damage is not covered by a standard policy. You'll need a separate flood policy through the NFIP or a private flood insurer.
What is Citizens Property Insurance, and should I use it?
Citizens is Florida's state-backed insurer of last resort, meant for homeowners who can't find coverage in the private market. Since a private offer within 20% of a Citizens premium makes you ineligible, compare private quotes first.
You can trust this guide because our editorial team built it on current, primary-source Florida data rather than recycled figures. We reviewed and compared home insurance partners to help you evaluate Florida coverage, and we based every market claim on named regulators and industry bodies, not competitor comparison sites. We work in the home insurance space specifically and update this guidance as Florida's market changes.
We should be clear about one thing: our featured picks are BestMoney home insurance partners that help you compare coverage, not Florida carriers we underwrite or rank objectively.
Elizabeth Rivelli is a business finance and insurance expert at BestMoney.com with over five years of experience covering car, home, life, and health insurance. She has contributed to major outlets such as Investopedia, Forbes, CNN Underscored, U.S. News & World Report, and Bankrate. Elizabeth also partners with insurance companies to provide readers with practical insights into industry trends.
