Home is the only things which need a lot of hard work to build, That’s why we have came up with a list of the best Homeowners insurance in Florida.
Start your home insurance quote today and check how much you can save by paying for only things you need.
Customizable coverages for Homeowners Insurance in Florida
We will assist you to find the best coverage option in the State, by filtering out unnecessary plans and packages.
Personal Property Coverage
This includes protection to things like Electronics, clothing and furniture in your house.
Liability Coverage
The liability coverage will deals with all your medical and legal bills including any damage to your home structure
Other Coverages
This includes water backups, damages from hurricane, and inflation protection and more.
Talking about the best homeowners insurance in Florida then Liberty Mutual Insurance is the best, it offers 24/7 customer care service to all the customers, it has a good customer satisfaction rate. This company is serving the people happily from more than 100 years. We have listed some more companies offering similar packages under your budgets.
| Insurance Company | J.D Power | Average Monthly Premium | Average Annual Premium |
| Tower Hill | N/R | $408 | $4,900 |
| Chubb | 699/1,000 | $630 | $7,562 |
| State Farm | 644/1,000 | $175 | $2,099 |
| Kin | N/R | N/A | N/A |
How Insurance Policy USA choose the best homeowners insurance in Florida
We do deep research in the market and make sure that we create a list that is more cost effective and offers convenience to the customers. We make it easier for you to choose the best insurance package for your home without wasting too much time searching. In our quest to search the best homeowners insurance in Florida, we have started analyzing the avg. rates from Quadrant Information Services.
Cheapest Home Insurance Companies in Florida
| Carrier | Monthly Premium for $300k coverage | Annual Premium for $300k coverage | Savings vs state avg. for $300k coverage |
| State Farm | $177 | $2,099 | -$3,430 |
| Security First | $330 | $3,950 | -$1,580 |
| American Integrity | $405 | $4,830 | -$700 |
| Tower Hill | $410 | $4,907 | -$622 |
| Florida Peninsula | $435 | $5,180 | -$355 |
Tips to save more on Home Insurance Policy Renewals
Maintain Roof: IF your roof is well maintained and has no cracks or anything, then you have a 100% chance of getting your policy renewed at cheaper rates.
Maintain Credit: Your credit plays a very important role in making your insurance more affordable.
Limit your claims: Insurance aim is to provide financial support when a loss is more than your budget. If you make more claims it will result in making your policy more expensive. So, try to limit that.
Installation of flood and wind mitigation updates in your house: If you have done wind and flood mitigation in your house then you will be eligible for discounts from your insurer, which are required by Florida regulations. This will determine through inspection where your windows have proper fasteners like clips, straps, and wraps for durability.
How much does a Homeowners Insurance in Florida costs?
The avg. the cost for having homeowners insurance in Florida is around $5.5k per year for a policy with $300k in dwelling coverage. This is around 142% higher than the national avg. of $2,300 for the same coverage. However the premium of the insurance may vary on various factors, like the condition of the roof, flood protection equipment.
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