Where you live in Florida can have a major impact on your home insurance premium. Start with planning ranges from about $1,650-$3,300 per year in some inland counties to $6,000-$16,600+ for exposed coastal, Gulf, or Keys situations, then compare the actual address.
4.8 Google ratingSee client reviewsWe use the county range for context, then shop the address and compare the quotes side by side.
Statewide help for Florida homes, from the Panhandle to the Keys.
One quote request starts the company comparison.
Coverage, deductibles, roof terms, and price compared together.
The statewide answer
Our current planning ranges run from about $1,650-$3,300 a year for some North Central Florida homes to $3,900-$16,600+ across South Florida. County shows the regional range. Your address, roof, construction, wind details, rebuild amount, coverage, and deductible produce the real quote.
Give us the address once. We'll check which of our 14 home insurance companies and market options fit the property, then compare any quotes available.
Inland planning range
$1,650-$4,400/yr
Mixed coast and metro range
$1,950-$7,800+/yr
Broad South Florida planning range
$3,900-$16,600+/yr
Planning ranges based on homes we're quoting now. Your address, home, and coverage determine the actual price. Flood is separate.
Ready when you are
Start with the address. Add the renewal, roof, wind, or inspection documents you have, and we will take it from there.
Seven Florida regions
Use this as a fast statewide map. Find your county, see the range, then let us price the house. That is where the useful comparison begins.
Monroe, Miami-Dade, Broward, Palm Beach, Martin, St. Lucie, Indian River, Okeechobee
Planning range
$3,900-$16,600+/yr
Coastal wind, water exposure, rebuild cost, roof condition, and the exact location can create a huge spread here. We see the sharpest differences between Keys, barrier-island, waterfront, and inland homes.
Lee, Collier, Charlotte, Sarasota, Manatee, DeSoto, Glades, Hendry, Hardee, Highlands
Planning range
$3,500-$9,200+/yr
Southwest Florida can swing quickly from coastal to inland addresses. Roof details, construction, wind documentation, and distance from water often decide which companies will quote.
Hillsborough, Pinellas, Pasco, Hernando, Citrus, Sumter
Planning range
$2,700-$7,800+/yr
A Pinellas coastal home and an inland Pasco home can land in very different parts of the market. We check the address, roof, wind features, construction, and coverage before comparing price.
Orange, Seminole, Osceola, Polk, Lake, Volusia, Brevard
Planning range
$2,400-$4,400/yr
Central Florida has plenty of inland homes, but there is no single Orlando-area price. Older homes, newer suburbs, coastal Volusia addresses, roofs, claims, and rebuild limits all change the quote.
Duval, St. Johns, Clay, Nassau, Flagler, Putnam
Planning range
$1,950-$4,800/yr
Jacksonville-area pricing often separates along the coast-to-inland line. Ponte Vedra, Jacksonville Beach, St. Augustine, inland Duval, and Clay County homes can all draw different companies and prices.
Alachua, Columbia, Marion, Baker, Bradford, Suwannee, Gilchrist, Levy, Dixie, Hamilton, Lafayette, Madison, Taylor, Union
Planning range
$1,650-$3,300/yr
North Central Florida often shows a lower inland pattern than the exposed coast. Rural property, older roofs, wood construction, rivers, lakes, rebuild cost, and inspections can still move a home well outside the middle.
Escambia, Santa Rosa, Okaloosa, Walton, Bay, Calhoun, Franklin, Gadsden, Gulf, Holmes, Jackson, Jefferson, Leon, Liberty, Wakulla, Washington
Planning range
$2,400-$6,900+/yr
Pensacola, Fort Walton Beach, Panama City, coastal Walton, and inland Panhandle homes do not quote alike. We look at wind exposure, distance from water, roof, construction, and the companies currently available.
For some Florida homeowners, yes. Rate relief is showing up in both Citizens and the private market, and we are seeing lower prices on some of the homes we quote. Florida's Office of Insurance Regulation reported an approved statewide average Citizens reduction of 8.7%, plus recent reductions of 8.2% for Florida Peninsula, 8% for Security First, and 5.1% for Universal Property & Casualty.
That does not mean every renewal drops by the same percentage. It does mean last year's price deserves a fresh comparison.
Simple renewal math
The reported 8% Security First reduction is one companywide example. The table applies that percentage to three sample premiums.
| Current | 8% lower | Difference |
|---|---|---|
| $3,000 | $2,760 | $240 |
| $5,000 | $4,600 | $400 |
| $8,000 | $7,360 | $640 |
Illustration only. A companywide rate reduction does not mean every policy will renew 8% lower.
Approved county-level relief
Florida OIR said more than 330,000 Citizens policyholders across all 67 counties would see decreases. These South Florida county averages were among the largest reported. They describe the approved Citizens change, not an expected result for every policy.
14.1%
Broward County
Average Citizens reduction reported by Florida OIR
14.0%
Miami-Dade County
Average Citizens reduction reported by Florida OIR
11.9%
Palm Beach County
Average Citizens reduction reported by Florida OIR
11.3%
Monroe County
Average Citizens reduction reported by Florida OIR
A statewide trend cannot price your house. Send the address and renewal, and we will check today's private-market options too.
Check Today's PricesSend us the address and current renewal if you have it. We will check which companies fit the home, compare any quotes available, and show you which options deserve a closer look.
How we work for you
You should not have to repeat the same details for every company. We gather them once, find the companies that fit, and turn any quotes available into a comparison you can use.
Start with the Florida property address. If you have the current renewal, roof permit, wind mitigation, or 4-point inspection, send those too.
We check which companies and market options fit the home, then compare any quotes available.
We put coverage, roof terms, hurricane and other deductibles, flood needs, and price side by side so you can compare them clearly.
Why neighbors can pay different prices
County ranges get you oriented. These are the property details we use to turn the map into a real comparison.
County is the big picture. Distance from the coast or water, wind exposure, local protection class, and the specific address sharpen the price.
Roof age, material, permits, condition, home age, construction type, and inspection details can change both the price and the companies available.
A current wind mitigation report can document roof-to-wall attachment, roof shape, deck attachment, and opening protection that may affect the quote.
Insurance is built around the estimated cost to rebuild the home, not simply the sale price or tax value. Coverage A is a major part of the quote.
A cheaper quote is only useful when you understand the dwelling limit, hurricane deductible, other-perils deductible, roof terms, and important exclusions.
Homeowners insurance and flood insurance are separate. We can compare the home quote and the flood options when the address or lender calls for both.
Public averages show the market. Your address gets the quote.
Official Florida rate context
The Florida Office of Insurance Regulation provides the CHOICES Rate Comparison Tool. It shows sample homeowners rates by company and county for a few standard home profiles. It is useful market context and a good way to see why wind mitigation changes the picture.
We use public information as a starting point. Then we check which of our 14 companies and market options fit the house and compare the policy terms that will apply to you.
Straight answers before you quote
See the 14 homeowner markets we can check and how we compare the quotes.
See the statewide cost drivers, deductible choices, and practical ways to prepare for a quote.
Gather the address, renewal, roof records, wind mitigation, inspection, lender, and flood details.
Understand the wind, water, roof, rebuild, reinsurance, and market forces behind the price.
Your county is only the starting line
Give us one quote request. We will check which companies fit the home, compare any quotes available, and help you choose the coverage and price that make sense.
Start with the address. We will tell you what we need next.
