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Real Florida Home Insurance Quotes by ZIP Code

Name: Real Florida Home Insurance Quotes by ZIP Code
Creator: Greene & Associates Insurance

We compared nine carriers for each of these three Florida homes. Explore the prices, deductibles and coverage choices, then let us compare the options for your home.

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Start with your property address. We’ll compare available carriers and help you understand the coverage and price.

3 homes · 9 carriers eachQuoted October 16–23, 2026

Updated October 28, 2026

What do these examples tell us?

We sent the same home details, dwelling limit and deductibles to each carrier. The prices came back differently, and some options handle water coverage differently too. That is why we help you compare the coverage alongside the price.

These are real quotes for the homes and dates shown, not statewide or ZIP-code averages. Your price will depend on your home, coverage and available discounts. We’ll confirm the policy term, fees and final coverage with your personal quote. These examples are for site-built homes, with HO-3 and HO-5 options labeled separately. For a manufactured or mobile home, we’ll help you compare the right type of policy.

Three different properties

Explore by ZIP and dwelling coverage

We keep each property separate. The homes have different characteristics and limits, so comparing their prices does not isolate the effect of ZIP code.

Lake City · 32025 Mulberry · 33860 Apollo Beach · 33572

Example 01 · Site-built homeowners

Lake City, Florida ZIP 32025

Quoted October 23, 2026

Dwelling coverage (Coverage A): $370,000.00
Hurricane deductible: 2% · $7,400.00
All-other-perils deductible: $1,000.00

We would look closely at water coverage here: some options exclude it, while others include limited coverage. We help you weigh those differences alongside the price.

Lake City · ZIP 32025 · Nine carrier comparisons. Every quote uses the dwelling limit and deductibles shown above. Prices in US dollars.We don’t show our partner carriers’ names in public rate comparisons. Carrier labels are used consistently across these examples and are not a ranking.
Carrier & coverage highlights	Quoted premium
Carrier A Hurricane deductible: 2% ($7,400.00) All-other-perils deductible: $1,000.00	HO-3$1,050.90
Carrier B Water damage coverage excluded. Hurricane deductible: 2% ($7,400.00) All-other-perils deductible: $1,000.00	HO-3$1,552.00
Carrier C Includes 10% ordinance or law coverage. Hurricane deductible: 2% ($7,400.00) All-other-perils deductible: $1,000.00	HO-3$1,453.00
Carrier D Compare the original quote with two additional package options. Hurricane deductible: 2% ($7,400.00) All-other-perils deductible: $1,000.00	Original quote · HO-3$1,433.90 Package option 1 · HO-3$1,501.00 Package option 2 · HO-3$1,663.80
Carrier E Hurricane deductible: 2% ($7,400.00) All-other-perils deductible: $1,000.00	HO-3$3,221.00
Carrier F Limited water damage coverage included. Hurricane deductible: 2% ($7,400.00) All-other-perils deductible: $1,000.00	HO-3$3,298.00
Carrier G Basic package. Limited water damage coverage. Hurricane deductible: 2% ($7,400.00) All-other-perils deductible: $1,000.00	Basic package · HO-3$2,187.80
Carrier H Water damage coverage excluded. Hurricane deductible: 2% ($7,400.00) All-other-perils deductible: $1,000.00	HO-3$1,823.00
Carrier I Hurricane deductible: 2% ($7,400.00) All-other-perils deductible: $1,000.00	HO-3$4,276.00

We group package and policy options together so you can compare them easily. These examples show why we shop several carriers for your home; they do not rank insurers from best to worst.

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What would the options look like for your home?

These are real examples. We’ll compare available quotes for your address, coverage and deductible choices.

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Example 02 · Site-built homeowners

Mulberry, Florida ZIP 33860

Quoted October 20, 2026

Dwelling coverage (Coverage A): $500,000.00
Hurricane deductible: 2% · $10,000.00
All-other-perils deductible: $2,500.00

We would compare the $10,000 hurricane deductible with your savings, then read the HO-3, HO-5 and package differences before choosing a price.

Mulberry · ZIP 33860 · Nine carrier comparisons. Every quote uses the dwelling limit and deductibles shown above. Prices in US dollars.We don’t show our partner carriers’ names in public rate comparisons. Carrier labels are used consistently across these examples and are not a ranking.
Carrier & coverage highlights	Quoted premium
Carrier A Hurricane deductible: 2% ($10,000.00) All-other-perils deductible: $2,500.00	HO-3$1,987.81
Carrier B HO-3 and HO-5 options available. We can walk you through the coverage differences. Hurricane deductible: 2% ($10,000.00) All-other-perils deductible: $2,500.00	HO-3$3,048.00 HO-5$2,560.00
Carrier C Includes 10% ordinance or law coverage. Hurricane deductible: 2% ($10,000.00) All-other-perils deductible: $2,500.00	HO-3$2,397.00
Carrier D Compare the original quote with two additional package options. Hurricane deductible: 2% ($10,000.00) All-other-perils deductible: $2,500.00	Original quote · HO-3$2,496.50 Package option 1 · HO-3$2,472.30 Package option 2 · HO-3$2,698.90
Carrier E Hurricane deductible: 2% ($10,000.00) All-other-perils deductible: $2,500.00	HO-3$1,867.46
Carrier F Hurricane deductible: 2% ($10,000.00) All-other-perils deductible: $2,500.00	HO-3$3,398.00
Carrier G Basic package. Hurricane deductible: 2% ($10,000.00) All-other-perils deductible: $2,500.00	Basic package · HO-3$2,151.47
Carrier H Limited water damage coverage. Hurricane deductible: 2% ($10,000.00) All-other-perils deductible: $2,500.00	HO-3$3,585.00
Carrier I Hurricane deductible: 2% ($10,000.00) All-other-perils deductible: $2,500.00	HO-3$4,993.00

We group package and policy options together so you can compare them easily. These examples show why we shop several carriers for your home; they do not rank insurers from best to worst.

Link to this example

Example 03 · Site-built homeowners

Apollo Beach, Florida ZIP 33572

Quoted October 16, 2026

Dwelling coverage (Coverage A): $500,000.00
Hurricane deductible: 2% · $10,000.00
All-other-perils deductible: $1,000.00

We would check the insurer named in the proposal, loss-of-use limits and package terms together. The same dwelling limit can sit alongside very different coverage.

Apollo Beach · ZIP 33572 · Nine carrier comparisons. Every quote uses the dwelling limit and deductibles shown above. Prices in US dollars.We don’t show our partner carriers’ names in public rate comparisons. Carrier labels are used consistently across these examples and are not a ranking.
Carrier & coverage highlights	Quoted premium
Carrier A Hurricane deductible: 2% ($10,000.00) All-other-perils deductible: $1,000.00	HO-3$2,925.77
Carrier B HO-3 and HO-5 options available. We can walk you through the coverage differences. Hurricane deductible: 2% ($10,000.00) All-other-perils deductible: $1,000.00	HO-3$4,610.00 HO-5$3,277.00
Carrier C Includes 10% ordinance or law coverage. Hurricane deductible: 2% ($10,000.00) All-other-perils deductible: $1,000.00	HO-3$4,632.00
Carrier D Compare the original quote with two additional package options. Hurricane deductible: 2% ($10,000.00) All-other-perils deductible: $1,000.00	Original quote · HO-3$4,929.70 Package option 1 · HO-3$4,918.70 Package option 2 · HO-3$5,115.60
Carrier E Hurricane deductible: 2% ($10,000.00) All-other-perils deductible: $1,000.00	HO-3$2,596.46
Carrier F Hurricane deductible: 2% ($10,000.00) All-other-perils deductible: $1,000.00	HO-3$5,805.00
Carrier G Basic package. Hurricane deductible: 2% ($10,000.00) All-other-perils deductible: $1,000.00	Basic package · HO-3$4,131.02
Carrier H Limited water damage coverage. Hurricane deductible: 2% ($10,000.00) All-other-perils deductible: $1,000.00	HO-3$4,691.00
Carrier I Hurricane deductible: 2% ($10,000.00) All-other-perils deductible: $1,000.00	HO-3$6,796.00

We group package and policy options together so you can compare them easily. These examples show why we shop several carriers for your home; they do not rank insurers from best to worst.

Link to this example

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Let’s compare the options for your home.

Start with your property address. We’ll compare available carriers and help you understand the coverage and price.

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How we read a quote comparison

1. Start with the rebuilding limit. We check what the home would cost to rebuild. The purchase price alone does not answer that question.
2. Put the deductible in dollars. A 2% hurricane deductible on $400,000 of dwelling coverage is $8,000. We discuss what that means for your budget.
3. Read beyond the headline price. We compare roof settlement, water limits, exclusions, endorsements and other terms in the actual proposals.
4. Check the full cost and timing. We confirm policy term, fees, effective date and current eligibility before you make a decision.

For a broader framework, read how we compare Florida homeowners options. For estimates and public data, use our Florida home insurance cost guide.

Where these numbers come from

We selected three homes we quoted in October 2026 through our agency’s QuoteRush comparative rater. Each comparison uses the same property information, dwelling limit and hurricane and all-other-perils deductibles across nine carriers. Together, the examples show 27 carrier comparisons and 35 price, package or policy-form options.

We have kept the quote dates, ZIP codes and key coverage details, while removing customer names, exact addresses and contact information. Each home is one real example, not an average for its ZIP code or a statewide survey.

We highlight water-coverage differences and identify package and HO-3/HO-5 options. The tables are a starting point, not a complete policy comparison. When we quote your home, we’ll explain the full coverage, policy term and fees so you can choose with confidence.

We keep this agency evidence separate from our OIR fixed-scenario research and the county home-insurance guide. Each answers a different question.

We may receive compensation when we place a policy. These selected prices are not a ranking of insurers, a promise of savings or an offer to bind coverage.

Sources, download and citation

Source: our agency’s QuoteRush carrier-quote report, exported October 26, 2026. The quote dates shown in each example are October 16–23, 2026, not the preparation date of this page. We retain the source privately for verification.

Read the example data (JSON)

Suggested citation: Greene & Associates Insurance. “Real Florida Home Insurance Quotes by ZIP Code.” Prepared October 26, 2026; quote observations October 16–23, 2026. Cite the individual scenario link and include its quote date, dwelling limit and deductibles.

Use of this published comparison is governed by our website terms.

Have a question about a figure? Contact our personal insurance team. We review corrections against the source record.