Can’t find a homeowners insurance in Florida, don’t worry we have a dedicated list just for you so that you can get proper assistance form us in finding the best insurance for your house. Starting form 1 june to 30 november Florida faces hundreds of climatic disasters like hurricane and flood which results in damaging thousands of homes, included non-insured houses also, which directly affect the owner’s pocket. It is better to have an insurance instead and let your insurer handle these types of problems for you. So, let’s get started
#1 State Farm
#2 Allstate
#3 USAA
#4 Chubb
#1 State Farm
State farm offers insurance, investment, and banking products to its customer in all 50 states and has an A++ rating from AM best. The standard homeowners insurance in Florida, it includes coverage fo your home, structure of insured property, personnel belongings, with liability and medical coverage. Additionally, State farm offers optional coverage for earthquake, water backups, and other special policies. Moreover the network of agents is spreaded well across the state to assist you.
Rating: 4.5
Pricing: $170/Month
(The price and rating may vary)
Pros
- Huge range of optional coverages, including water backup, service lines, and enhanced protection for business property, dwelling and liability
- Local agents offers personalized services, assistance with questions and claims
Cons
- Less discount options available, with no electronic document delivery and renovated homes
- No online purchases available
Click here to visit the official website
#2 Allstate
Allstate’s homeowners policy offers coverage for primary dwelling and other structures on your property, along with property protection. Homeowners can choose to cover replacement of personal belongings. While Allstate doesn’t offer any earthquake coverage, it does provide flood insurance, which is beneficial for floridians. Additionally it has a huge range of policy options, Allstate offers several savings opportunities for homeowners. These include multi-policy discounts, loyalty discounts, and discounts on installing protective devices like fire alarm and home security systems.
Rating: 4.7
Pricing: $184.15/Month
(The price and rating may vary)
Pros
- A variety of optional coverages available, including water backup, sports equipment, and identity theft replacement
- Host Advantage home-sharing insurance offers additional protection for people who are renting their homes
Cons
- Avg. premiums are among the highest of the companies as compares to others
- No online purchase available
Click here to visit the official website
#3 USAA
USAA offers a huge range of insurance, financial, and investment products specially for its members. The homeowner insurance policies cover your home, its structure (like detached garages and sheds), and personal belongings. Additionally, optional flood and earthquake coverage is also available. Membership with USAA is limited to active and veteran and military person, along with their spouses and children.
Rating: 4.9
Pricing: $193.44/Month
(The price and rating may vary)
Pros
- Replacement cost for coverage includes in standard homeowners insurance policies
- Homeowners insurance policies come with identity theft protection of up to $5,000.
Cons
- Membership and homeowners insurance available to only current and former U.S. military members, and their family
- Less and limited options for coverage are available
Click here to visit the official website
#4 Chubb
Chubb is a global insurance company with A++ rating from AM best. It offers a range of products like homeowners, flood, and auto insurance, as well as special coverage for items like collectibles, boats and cyber threats. This can be an idle choice for you if you are looking for homeowners insurance in Florida.
Rating: 4.1
Pricing: $200/Month (approx.)
(the price and rating may vary)
Pros
Options for cash settlement for total covered losses are available if you prefer to rebuild
Chubb provides flood insurance for those who don’t want to purchase a policy through NFIP National Flood Insurance Program
Cons
Not online available for online homeowners insurance quotes
Only independent agents have access to sell chubb homeowners insurance
Click here to visit the official website
Conclusion
Choosing a homeowners insurance in Florida might seems difficult but, after doing deep research of the market we have a perfect list just for you. If you are still a bit in a confusion then you should go for State farm insurance because it has all the features that you need, with a good 24/7 customer support service.
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