Homeowners Insurance Agents in Florida

Get the right agent for your unique needs


Evelyn Calabuch 

“Helping insure the american dream.”

đź“ŤBoca Raton, Florida, 33432

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Andrzej Zenczykiewicz

 ✔ verified 

“Do what’s right even when no one’s looking.”

đź“ŤSarasota, Florida, 34240

JoeSpeer Life Insurance - Life insurance agent in georgia

Tsahai Martin

“I’m an agent that will look out for your best interest and work with what’s best for your family financially!”

đź“ŤGroveland, Florida, 34736

Florida is the second most populous Southern state after Texas.  Of the 19.6 million people in Florida, about 15 million live in coastal areas in the state.

The occasional extreme weather in Florida, which includes windstorms, hurricanes, and severe rain, requires you to be at your best as a homeowner, regardless of how well you maintain your home. Having homeowners’ insurance will protect you from large out-of-pocket expenses. It not only protects your home and possessions in the event of a fire, burglary, or other disaster, but it also provides liability coverage in the event that someone is injured on your property.

Contacting a local independent insurance agent to discuss your specific needs and find the best coverage for you is a good idea. An agent can assist you in comparing rates and coverage from various insurers and tailoring a policy that meets your needs while also protecting your home.

Popular Homeowners Coverages in Florida

Standard Coverage

  • Dwelling Coverage 
  • Property Insurance 
  • Personal Liability Insurance  
  • Additional Living Expenses

Additional Recommended Coverage

  • Wind Insurance 
  • Flood Insurance 

Why Choose Agency Height? 

Local Coverage Expertise– Explore top agents who best understand your location, local laws, and needs.   

The Power to Choose– Talk to an agent or five, the choice is yours! Get multiple quotes and pick the one you like best. 

Hassle-free process– No unwanted calls. Book free consultations with only the ones you choose. 

Cheapest Cities to Get Homeowners Insurance in Florida 

The cost of Florida homeowners’ insurance depends on a number of variables, such as the city’s crime rate, a home’s distance from a fire station, and the value of nearby properties. Here is a list of Florida’s five most affordable cities for homeowners’ insurance. 

City Name  Average Home Insurance Rate 
Oak Hill  $1,093 
Ormond-By-The-Sea  $1,107 
Edgewater  $1,108 
South Daytona  $1,109 
New Smyrna  $1,113 

Homeowners Insurance Cost in Most Populated Cities in Florida

City Name  Average Home Insurance Rate 
Jacksonville  $1,500
Miami $3,927
Tampa $1,716
Orlando $1,736 
St. Petersburg  $1,018 
Hialeah  $4,582 
Port St. Lucie  $2,011 

Frequently Asked Questions

How much does homeowners’ insurance cost in Florida?

Although Florida can be appealing to those who enjoy warm weather, living in the Sunshine State has its hazards, too. The average cost of homeowners insurance in Florida is $2,122 a year, or about $177 a month.

What does homeowners’ insurance cover in Florida?

Homeowners insurance helps pay to repair or rebuild your home and replace personal property due to a covered loss. A typical policy would include loss from theft and structural damage from fire, leaks, water discharge, fallen trees, or as a result of a storm.

Is homeowners’ insurance required in Florida?

Florida law does not require the purchase of homeowners insurance, but most people want to insure the largest asset they may ever accumulate – their home.

How to choose homeowners insurance in Florida?

There are several factors to consider while choosing your home insurance. It includes: 

  •  The home’s age 
  •  Materials used to construct your home 
  •  Cost of rebuilding the house 
  •  Your location’s fire rating 
  •  The location’s claim history
  • Your personal claim history 
  • Deductibles and coverage limits  
  • Your credit scores 

    Is homeowners’ insurance part of the mortgage in Florida?

    No, homeowners’ insurance isn’t a part of mortgage in Florida. Insureds generally make a single monthly payment to cover both their homeowners’ insurance premium and monthly mortgage payment, so some homeowners may believe their home insurance is included in their mortgage.

    How much homeowners’ insurance do I need in Florida?

    At the very least, your homeowners’ insurance should include personal property insurance. This should account for 20% of your total dwelling coverage. 

    So, if your home is insured for $300,000, your personal property should be insured for at least $60,000. The more valuable your possessions, the more property coverage you will require.

    Who is the largest homeowners insurance provider in Florida?

    State Farm has a vast network of agents throughout Florida. The firm has the highest J.D. Power score (835/1000) and is supported by a high financial strength rating. Despite offering fewer discounts, they have strong endorsement programs.

    Find a Local Insurance Agent Near You

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