Jenna’s Florida home insurance guide · 2026
Best homeowners insurance in Florida. Let’s start with real prices.
Which home insurance company has the best price in Florida? It depends on the home. Sypher quoted lowest for our Ocala example, Mangrove for Jacksonville and Frontline for Davenport. Below, I share 25 recent home comparisons with the winning carrier, annual premium and coverage details.
By Jenna Greene ·
We shop multiple carriers. You get help from our Florida team.
A better starting point
Real homes. Named carriers.
The lowest price we received.
These are three of our recent comparisons. Each price belongs to the home and coverage shown, so you can see more than just a number.
Ocala ZIP 34473
SypherLowest returned price for this home$558.30 / year
- Year built
- 2021
- Dwelling · Coverage A
- $250,000
- All-other-perils deductible
- $2,500
- Hurricane deductible
- 2% · $5,000
Jacksonville ZIP 32222
MangroveLowest returned price for this home$825.58 / year
- Year built
- 2020
- Dwelling · Coverage A
- $325,000
- All-other-perils deductible
- $2,500
- Hurricane deductible
- 2% · $6,500
Davenport ZIP 33837
FrontlineLowest returned price for this home$2,110.46 / year
- Year built
- 2007
- Dwelling · Coverage A
- $600,000
- All-other-perils deductible
- $2,500
- Hurricane deductible
- 2% · $12,000
Each example shows the lowest annual quote we received for that home on the date listed. Ready to see your options? We’ll shop your address and help you compare the coverage.
Find a home near you
Which carrier quoted lowest
in these Florida ZIP codes?
Find a home near you and see which carrier came in lowest. You’ll find the year built, dwelling coverage and both deductibles alongside each price, plus any water coverage limits noted in the quote.
25 home examples
| Home / location | Lowest-price carrier | Year built | DwellingCoverage A | AOPdeductible | Hurricanedeductible | Lowest returnedannual premium |
|---|---|---|---|---|---|---|
| 32025Lake CityColumbia County | MangroveWater coverage restrictions | 1966 | $370,000 | $1,000 | 2%$7,400 | $1,050.90 |
| 32054Lake ButlerUnion County |  CabrilloLimited water damage coverage | 1977 | $441,000 | $1,000 | 2%$8,820 | $2,301.00 |
| 32055Lake CityColumbia County |  Security First | 1992 | $674,000 | $2,500 | 2%$13,480 | $1,987.00 |
| 32060Live OakSuwannee County | Security First | 2026 | $300,000 | $1,000 | 2%$6,000 | $893.00 |
| 32065Orange ParkClay County | MangroveWater coverage restrictions | 1992 | $330,000 | $2,500 | 2%$6,600 | $1,495.25 |
| 32068MiddleburgClay County |  Edison | 2005 | $350,000 | $500 | 2%$7,000 | $1,874.20 |
| 32092St. AugustineSaint Johns County | Security First | 2020 | $625,000 | $2,500 | 2%$12,500 | $1,248.00 |
| 32169New Smyrna BeachVolusia County | Frontline | 1964 | $500,000 | $2,500 | 2%$10,000 | $5,784.74 |
| 32222JacksonvilleDuval County | Mangrove | 2020 | $325,000 | $2,500 | 2%$6,500 | $825.58 |
| 32507PensacolaEscambia County |  SlideWater damage excluded | 1992 | $600,000 | $2,500 | 2%$12,000 | $9,698.00 |
| 32948FellsmereIndian River County | Frontline | 2007 | $725,000 | $2,500 | 2%$14,500 | $3,578.58 |
| 32955RockledgeBrevard County | Security First | 1988 | $370,000 | $2,500 | 2%$7,400 | $3,866.00 |
| 33020HollywoodBroward County | Frontline | 1958 | $500,000 | $2,500 | 2%$10,000 | $5,719.83 |
| 33426Boynton BeachPalm Beach County |  Universal PC | 2003 | $375,000 | $2,500 | 2%$7,500 | $4,895.20 |
| 33511BrandonHillsborough County | MangroveWater coverage restrictions | 1995 | $500,000 | $2,500 | 2%$10,000 | $2,801.05 |
| 33703St. PetersburgPinellas County | Security FirstWater damage excluded | 1960 | $200,000 | $2,500 | 2%$4,000 | $3,011.00 |
| 33837DavenportPolk County | Frontline | 2007 | $600,000 | $2,500 | 2%$12,000 | $2,110.46 |
| 33928EsteroLee County | Frontline | 2023 | $775,000 | $2,500 | 2%$15,500 | $2,753.20 |
| 34109NaplesCollier County | MangroveWater coverage restrictions | 1998 | $900,000 | $2,500 | 2%$18,000 | $7,673.21 |
| 34202Lakewood RanchManatee County | Mangrove | 2026 | $1,500,000 | $1,000 | 2%$30,000 | $1,911.31 |
| 34241SarasotaSarasota County | Mangrove | 2015 | $860,000 | $2,500 | 2%$17,200 | $2,600.89 |
| 34473OcalaMarion County | Sypher | 2021 | $250,000 | $2,500 | 2%$5,000 | $558.30 |
| 34607Spring HillHernando County | Frontline | 1986 | $500,000 | $2,500 | 2%$10,000 | $2,986.07 |
| 34667HudsonPasco County |  American Traditions | 1978 | $320,000 | $2,500 | 2%$6,400 | $4,102.00 |
| 34711ClermontLake County | MangroveWater coverage restrictions | 1950 | $500,000 | $1,000 | 2%$10,000 | $2,645.95 |
No examples match that search. Clear it to see all 25 homes, or ask us to quote your address.
Coverage A is the insured dwelling amount, not the purchase price or market value. AOP means all other perils. Construction year is not the roof replacement year. The hurricane dollar amount is calculated from the displayed Coverage A.
Your ZIP is a starting point. Your address gets the real comparison.
Tell us about your home and we’ll help you find the best-priced option that fits.
What I look for in your quotes
A good price deserves
a closer look.
I want you to feel good about the price and the coverage. Here’s what I look at when we compare your options.
Jenna GreeneGreene & Associates Insurance
The company matters, but so does the home.
Sypher came in lowest for Ocala, Frontline for Davenport and Mangrove for Jacksonville. Different homes, different coverage, different winners. That’s why I want to shop your home instead of pointing everyone toward the same company.
Put the hurricane deductible in dollars.
A 2% hurricane deductible means $5,000 on the Ocala home’s $250,000 dwelling limit, but $12,000 on the Davenport home’s $600,000 limit. I want you to see that dollar amount upfront, so there are no surprises about the deductible you choose. Our Florida hurricane deductible guide walks through how it works.
Check what the lower premium includes.
Some lower-priced options limit or exclude water damage coverage. How the policy pays for roof damage matters, too. We’ll talk through those differences so you can decide whether the savings make sense for you. See how options differ in our side-by-side home insurance quote examples.
Let’s talk about your home
Talk with Jenna.
Have a renewal to compare or a question about one of these carriers? Email me, or call our office and ask for Jenna. We’ll help you sort through your options.
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We do the shopping.
You choose with confidence.
We use AI technology and our comparative rater to shop your home with multiple carriers. Then our team helps you make sense of the options, so you can find a price and coverage you feel good about. You can also meet the insurance companies we work with.
Start with what you know.
Share your address and home details. Unsure about the roof replacement year? You can tell us.
Let us compare the prices.
We shop the carriers available to us for your home, then compare their prices and coverage.
Talk it through with us.
We help you understand the deductibles and coverage before you decide which option fits.
Before you choose
Your home insurance
questions, answered.
Looking at a renewal or a lower quote? Let’s work through the coverage, carrier and switching details together.
Compare My RenewalWho has the best homeowners insurance rates in Florida?
There isn’t one carrier that comes in lowest for every home. 9 different carriers had the lowest price across these 25 September and October 2026 comparisons. That’s why we shop your home with multiple carriers. Let’s see which one offers the best price for the coverage you need.
How do I know a cheaper home insurance quote has the same coverage?
Send us your current policy and we can help you compare. I look at coverage for your home, belongings, other structures, temporary living expenses and liability, along with both deductibles. I also check how roof damage is paid and what water damage coverage is included. You should know what you’re getting for the lower price.
How should I compare a Sypher quote with other home insurers?
Sypher came in lowest for the Ocala home shown here. If it comes up in your quotes, let’s look at the coverage alongside the price. We can also help you check the insurer’s financial-strength information, complaint history and how to file a claim, so you feel comfortable with the company you choose.
Can I get the same premium as a home in my ZIP code?
A nearby home is a helpful comparison, but your address gets you your own price. Your roof, construction, insurance history, discounts and coverage all matter. Share your home details and we’ll shop the options available to you.
How can I lower my home insurance cost without cutting important coverage?
Start by shopping your home again with comparable coverage. We can check for roof updates, wind-mitigation credits and other available discounts. A higher deductible may lower the premium, too, but I want you comfortable with what you’d pay out of pocket if you have a claim.
Is bundling home and auto always cheaper?
Not always. Compare the total annual cost of home and auto together, then compare buying them separately with similar coverage. A bundle discount can help, but the total price is what matters. We can help you look at both options.
Can I switch home insurance if it is paid through my mortgage?
Yes. Paying through your mortgage doesn’t mean you’re stuck with your current insurer. We can help you line up the new coverage, and your mortgage company can explain how it will handle the payment and any refund. Keep your current policy in place until the new coverage is confirmed.
What does a 2% hurricane deductible mean?
It’s 2% of your dwelling coverage, also called Coverage A. For the Ocala home shown here, that’s $5,000 on $250,000 of coverage. For the Davenport home, it’s $12,000 on $600,000. I like to show the dollar amount so you can choose a deductible you’re comfortable with.
More guidance: Florida’s coverage and discount checklist · How switching insurance works when you pay through escrow.
Where these numbers come from
Real quotes.
Here’s how we found them.
These prices came from homes we shopped through Greene & Associates Insurance. We share the details that make the prices useful while keeping our customers’ names and street addresses private.
Explore our September and October rate report ↗25 homes across Florida
These homes span 25 ZIP codes and 23 counties, with quotes from September 28–October 29, 2026. We started with 15 homes quoted October 21–29, then added the most recent example from each of 10 more counties in our saved September and October report. Think of them as a look at what came back for these homes, rather than a statewide average.
The lowest price for each home
For each home, we compared the annual prices our rater returned using the same quote date, dwelling coverage and deductibles. The table shows the lowest price and the carrier that provided it.
Let’s find the right fit for your home
The lowest quote is a starting point. Roof and water coverage can differ even when the dwelling limit and deductibles match. These are prices quoted on the dates shown; we’ll get a fresh quote for your home and help you compare what’s included.
As an independent agency, we may earn a commission when you buy a policy through us. The carriers shown here earned their spot by returning the lowest price for each home.
Quote data collected by Greene & Associates Insurance.
Quote window: September 28–October 29, 2026. Source: our QuoteRush comparative-rater records. Premium term: 12 months.
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More help for your Florida home.
September and October 2026 rates
See a wider selection of our real quotes by ZIP, coverage and construction year.
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Now let’s compare your home.
You’ve seen what came back for other Florida homeowners.
Let’s see what our carriers return for you.
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