Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
-
Read about our editorial standards here.
Florida Home Insurance: Costs, Coverage and How to Save
-
Get personalized options in minutes.
-
Buy, bundle and switch right in the app.
-
Licensed agents are ready to help if you need them.
Florida has been hit by more weather disasters than any state besides Texas, including over 35 tropical cyclones, according to NOAA. That hurricane exposure, combined with flood risk and a volatile insurance market, makes shopping for the right homeowners policy one of the most important financial decisions a Florida homeowner can make.
Bundling your home and car insurance is easy with Jerry. It’s free to compare quotes and we’ll help you switch insurers once you’re ready, all online. Plus, our licensed agents are just a call away if you’d rather talk to a real person.
Based on cheapest quotes shown for all Jerry customers in the last 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home + car and save up to 40%.
What Florida homeowners pay right now
Home insurance costs in Florida vary widely based on your home’s age, roof condition and rebuild cost, your claims history and other factors, like how close you live to the coast and your area’s exposure to hurricanes and flooding. Florida consistently ranks among the most expensive states for homeowners insurance, but rates are starting to stabilize thanks to recent legislative reforms.
Based on home insurance quotes for Jerry customers in the last 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry can help you find competitive prices and strong coverage, regardless of those factors. Here are some recent examples of real customers who saved by bundling their home insurance with Jerry:
Recent bundling quotes
Based on Jerry customers who found savings in the past 45 days. Savings depend on coverage and other factors. Potential savings will vary.
Key takeaway: Florida’s home insurance costs are among the highest in the country, but rates are beginning to come down. Shopping around is the best way to make sure you’re not overpaying.
Mix and match home and car insurance with Jerry
Bundling discounts typically range from 5%-25%, depending on the insurer. But bundling your car insurance with the same home carrier isn’t always the cheapest option overall. In Florida’s complex insurance market, where some carriers specialize in home coverage and others in auto, mixing and matching can often save you more. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. This is especially valuable in Florida, where home-only carriers like Heritage, Slide or TypTap may offer lower home rates than national carriers, even without a bundle discount.
Mix and match with Jerry to build your perfect bundle.
Best home insurance in Florida
There’s no single “best” home insurance company in Florida. It depends on your home, your budget and what kind of coverage you need. A homeowner in Miami looking for hurricane coverage will have very different needs than someone in Orlando looking for the lowest overall premium.
That said, our data shows some clear trends among Florida homeowners. Here is the most popular home insurance company Jerry customers choose:
Based on home insurance quotes for Jerry customers in the last 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Florida homeowners prioritize different things. Some want the lowest premium, many care most about a smooth claims process after a hurricane, and others look for carriers with strong financial ratings that can handle major storm payouts. With 17 new insurers entering the Florida market in recent years, there are more options than ever.
Also check: The best car insurance in Florida
Jerry recommends: The easiest way to find the right coverage is to compare home insurance quotes in the Jerry app. We find competitive quotes from top carriers in minutes, so you can find the best coverage at the right price.
Factors that affect home insurance costs in Florida
From hurricane season to flood zones to the age of your roof, where you live and what you own in Florida plays a bigger role in what you pay than in almost any other state. Here are the biggest factors driving home insurance costs and how to stay protected.
🌀 Hurricane and tropical storm risk
Hurricanes are the single biggest driver of home insurance costs in Florida. The state’s entire coastline is exposed, and even inland areas like Tampa and Jacksonville can sustain major wind and rain damage from tropical systems. Most Florida homeowners policies include a separate hurricane deductible, typically 2-5% of your dwelling coverage, which means you could owe thousands out of pocket after a named storm.
🌊 Flood risk
Standard homeowners policies in Florida do not cover flood damage. With so much of the state at or near sea level, and storm surge a major threat during hurricanes, a separate flood insurance policy is essential for many homeowners. If you have a federally backed mortgage and your property is in a FEMA-designated high-risk flood zone, flood insurance is required. Even outside high-risk zones, flooding from heavy rain and poor drainage is common throughout the state.
🏠Roof age and condition
Your roof is one of the biggest factors in your Florida home insurance rate. Many insurers will not write a new policy on a home with a roof older than 15 years, and some set the threshold at 10 years. A newer, hurricane-rated roof can save you hundreds of dollars a year on your premium, while an older roof may limit your options to fewer carriers and higher prices.
🕳️ Sinkhole risk
Parts of Central Florida, particularly around Tampa, Ocala, Lakeland and Spring Hill, sit on limestone prone to sinkholes. Florida law requires all homeowners policies to cover catastrophic ground cover collapse, but more comprehensive sinkhole coverage is optional and may carry an additional premium. If you live in a sinkhole-prone area, talk to your agent about adding sinkhole loss coverage to your policy.
🏖️ Proximity to the coast
Homes closer to the coast generally pay significantly more for insurance due to higher wind and storm surge exposure. Properties within a few miles of the shoreline, especially in South Florida, the Keys and along the Gulf Coast, often face higher wind deductibles, stricter roof requirements and fewer carrier options. Homeowners farther inland typically have more choices and lower rates.
Key takeaway: Florida’s hurricane exposure, flood risk and roof requirements all factor heavily into your rate. Understanding these drivers helps you make smarter coverage decisions.
Get bundling quotes in minutes, no calls needed.
Get the right coverage without overpaying
For Florida homeowners, choosing the right coverage levels can save you money while making sure you’re protected when it counts.
Dwelling coverage is the core of your home insurance policy. It pays to repair or rebuild your home’s structure if it’s damaged by things like fire, wind, hail, lightning or vandalism.
Your dwelling coverage amount is based on your home’s rebuild cost — not its market value — as calculated by your insurer. In Florida, where construction and labor costs have risen sharply in recent years, making sure your rebuild estimate is current is especially important. Jerry can estimate your replacement cost right in the app, so you’ll know you’re covered for the right amount.
Here’s what Florida homeowners typically pay based on their home’s rebuild value:
$150-299k
dwelling coverage
Typical for smaller homes, condos or older properties.
$300-499k
dwelling coverage
Covers most mid-range homes.
$500-749k
dwelling coverage
Typical for larger or newer homes.
$750k-1M
dwelling coverage
Common for high-value properties.
Key takeaway: Your dwelling coverage should match your home’s rebuild cost, not its market value. Jerry shows you real-time pricing at every level so you can find the right balance.
Learn more: What does home insurance cover?
4 ways to save on home insurance in Florida
One thing Florida homeowners should know: the insurance market is showing signs of real improvement. Recent law reforms have helped stabilize rates, with new insurers entering the state and Citizens Property Insurance — the state’s insurer of last resort — reducing its policy count from a peak of 1.42 million to under 400,000. Citizens also recommended an average statewide rate decrease of 8.7% for 2026. That means more competition and better pricing for homeowners who shop around.
Bundling your home policy with the cheapest car insurance in Florida is one of the most effective ways to lower your premium, but it’s not the only one. Florida homeowners have several options to reduce costs without cutting coverage. Here are four worth looking into.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Every insurer uses its own models to price hurricane and wind risk, which means the same home can cost significantly less to insure depending on who you’re with. In Florida’s rapidly changing market, comparing quotes regularly is more important than anywhere else. Jerry makes it easy to compare quotes side-by-side from multiple carriers in minutes.
Recent quotes
Why it matters: A homeowner in Fort Lauderdale and one in Tallahassee will see completely different rates from every carrier. Jerry shows you quotes side-by-side to help you find coverage that fits your home and budget.
Jerry Agent Tip 2: Stack discounts for a cheaper rate
From upgrading your roof to installing hurricane shutters, most homeowners qualify for at least a few discounts, and stacking them could add up to serious savings. But insurers don’t always apply all of them, which is why Jerry automatically finds the discounts you qualify for.
Besides bundling, here are some common Florida home insurance discounts:
đź’¨ Wind mitigation discount
This is the single most valuable discount for Florida homeowners. Under Florida law, insurers are required to offer credits for wind-resistant features like hurricane straps, impact-resistant glass, reinforced roof decking and secondary water barriers. A certified wind mitigation inspection can result in savings of up to 90% off the wind portion of your premium. If you haven’t had a wind mitigation inspection, schedule one as soon as possible.
🏠New roof discount
A newer roof is one of the best ways to lower your Florida home insurance rate. Many carriers offer significant discounts for roofs less than 10 years old, and some require a newer roof as a condition of coverage. A hurricane-rated roof with hip-style construction and proper strapping can maximize your wind mitigation credits.
đź”’ Security system discount
Installing safety devices like alarms, smart home systems and deadbolts can qualify you for a lower rate. Many carriers offer protective device discounts of up to 15% when you combine security systems like advanced burglar protection and automatic water leak valves.
🆕 New home discount
Homes built to the Florida Building Code standards adopted after 2002 are designed to better withstand hurricane-force winds. Depending on the carrier, newer homes may qualify for savings of up to 15% or more, since they’re less likely to result in costly claims.
🎓 Claims-free discount
The longer you go without filing a claim, the more you save. Most insurers offer this discount after three or more claims-free years, with some offering savings of up to 20%.
🔧 Home renovation discount
Updated your electrical, plumbing or HVAC systems? Some carriers offer discounts when these systems have been replaced within the last 10 to 15 years, since modern systems reduce the risk of fire and water damage.
đź’ł Pay-in-full discount
Paying your full annual premium upfront instead of in monthly installments can earn you a discount with many carriers, typically between 5-10%.
⏳ Loyalty discount
Staying with the same insurer year after year can lead to increasing savings. Some carriers start rewarding loyalty after just one year, with discounts growing the longer you stay. But in Florida’s fast-moving market, it’s always worth comparing rates at renewal.
đź“‹ Quote-in-advance discount
Shopping early can pay off. Some insurers offer a discount of up to 15% when you get a quote before your previous policy expires.
đźš Non-smoker discount
Since smoking increases the risk of house fires, some carriers offer lower rates to non-smoking households.
Key takeaway: Most homeowners qualify for multiple discounts, from wind mitigation and roof upgrades to claims-free credits. But insurers don’t always apply them automatically. Jerry can help you find all discounts you’re eligible for to maximize your savings.
Jerry Agent Tip 3: Pick the right deductible
Your deductible — the amount you pay out of pocket before insurance kicks in — has a direct impact on your premium. According to the Insurance Information Institute, raising your deductible from $500 to $1,000 can reduce your premium by 10 to 25%, depending on your location, insurer and home’s replacement cost.
The trade-off is simple: a higher deductible means a lower premium, but more out of pocket if you file a claim. In Florida, there are a few extra things to keep in mind:
- Understand your hurricane deductible. Most Florida policies have a separate, percentage-based hurricane deductible, typically 2-5% of your dwelling coverage. On a $400,000 home, a 2% hurricane deductible means you’d pay $8,000 out of pocket before coverage kicks in for hurricane damage.
- Check what you can afford out of pocket. If a $2,500 all-other-perils deductible would be manageable, raising it from $1,000 could save you hundreds a year. If it would strain your budget, stick with a lower one.
- Consider how often you’d actually file a claim. Most homeowners only file a claim once every 8 to 10 years, so the premium savings can add up long before you ever pay that deductible.
The Jerry difference: Jerry lets you compare quotes for different deductible amounts to see how it affects your home insurance costs.
Jerry Agent Tip 4: Improve your credit score
In Florida, insurers can use credit-based insurance scores to help set your premium. Homeowners with good or excellent credit often save hundreds compared to those with fair or poor credit. Improving your credit isn’t an overnight fix, but even gradual improvements could lead to a lower rate at your next renewal.
To boost your credit score, focus on paying bills on time, keeping credit card balances below 30% of your limit and avoiding new credit applications before shopping for insurance. Building your credit score could take some time, but most people see meaningful improvement within 3 to 6 months of consistent on-time payments and lower balances.
If your credit isn’t where you want it to be, don’t worry. Some insurers weigh credit less heavily than others, and Jerry can show you which carriers offer the best rates for your situation.
Key takeaway: The better your credit score, the lower your premium typically will be. But regardless of your credit history, shopping around with Jerry can help you find a competitive rate.
Compare home + car bundles in one place, all online.
FAQ
-
đź’° How much is homeowners insurance in Florida?
-
🌀 Does homeowners insurance cover hurricane damage in Florida?
-
🌊 Do I need flood insurance in Florida?
-
🏠Why is home insurance so expensive in Florida?
-
đź’¨ What is a wind mitigation inspection and is it worth it?
-
🕳️ Does home insurance cover sinkhole damage in Florida?
-
đź“‹ What is Citizens Property Insurance in Florida?
-
đź’ˇ How can I lower my home insurance in Florida?
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.