{"title":"Real Florida Home Insurance Quotes by ZIP Code","publisher":"Greene & Associates Insurance","preparedDate":"2026-10-26","source":"Selected agency QuoteRush report records exported October 26, 2026","url":"https://www.greeneinsurance.com/reports/florida-home-insurance-quote-examples","currency":"USD","policyTerm":null,"feesVerified":false,"disclosure":"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.","carrierDisclosure":"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.","methodology":"Three selected site-built homes quoted in October 2026; 27 carrier comparisons and 35 distinct price, package or policy-form options. Each property uses matching dwelling limits and hurricane and all-other-perils deductibles across carriers. Repeated identical options removed. Water coverage and policy options are highlighted. Selected examples, not statewide or ZIP-code averages; not a complete policy comparison. Policy term and fees are confirmed with a personal quote. Customer names, addresses and identifiers omitted.","examples":[{"slug":"lake-city-32025","city":"Lake City","zip":"32025","quoteDate":"2026-10-23","dwelling":370000,"hurricanePercent":2,"otherPerils":1000,"quotes":[{"carrier":"Carrier A","notes":[],"options":[{"label":"HO-3","form":"HO-3","premium":1050.9}]},{"carrier":"Carrier B","notes":["Water damage coverage excluded."],"options":[{"label":"HO-3","form":"HO-3","premium":1552}]},{"carrier":"Carrier C","notes":["Includes 10% ordinance or law coverage."],"options":[{"label":"HO-3","form":"HO-3","premium":1453}]},{"carrier":"Carrier D","notes":["Compare the original quote with two additional package options."],"options":[{"label":"Original quote","form":"HO-3","premium":1433.9},{"label":"Package option 1","form":"HO-3","premium":1501},{"label":"Package option 2","form":"HO-3","premium":1663.8}]},{"carrier":"Carrier E","notes":[],"options":[{"label":"HO-3","form":"HO-3","premium":3221}]},{"carrier":"Carrier F","notes":["Limited water damage coverage included."],"options":[{"label":"HO-3","form":"HO-3","premium":3298}]},{"carrier":"Carrier G","notes":["Basic package.","Limited water damage coverage."],"options":[{"label":"Basic package","form":"HO-3","premium":2187.8}]},{"carrier":"Carrier H","notes":["Water damage coverage excluded."],"options":[{"label":"HO-3","form":"HO-3","premium":1823}]},{"carrier":"Carrier I","notes":[],"options":[{"label":"HO-3","form":"HO-3","premium":4276}]}],"takeaway":"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.","url":"https://www.greeneinsurance.com/reports/florida-home-insurance-quote-examples#lake-city-32025"},{"slug":"mulberry-33860","city":"Mulberry","zip":"33860","quoteDate":"2026-10-20","dwelling":500000,"hurricanePercent":2,"otherPerils":2500,"quotes":[{"carrier":"Carrier A","notes":[],"options":[{"label":"HO-3","form":"HO-3","premium":1987.81}]},{"carrier":"Carrier B","notes":["HO-3 and HO-5 options available. We can walk you through the coverage differences."],"options":[{"label":"HO-3","form":"HO-3","premium":3048},{"label":"HO-5","form":"HO-5","premium":2560}]},{"carrier":"Carrier C","notes":["Includes 10% ordinance or law coverage."],"options":[{"label":"HO-3","form":"HO-3","premium":2397}]},{"carrier":"Carrier D","notes":["Compare the original quote with two additional package options."],"options":[{"label":"Original quote","form":"HO-3","premium":2496.5},{"label":"Package option 1","form":"HO-3","premium":2472.3},{"label":"Package option 2","form":"HO-3","premium":2698.9}]},{"carrier":"Carrier E","notes":[],"options":[{"label":"HO-3","form":"HO-3","premium":1867.46}]},{"carrier":"Carrier F","notes":[],"options":[{"label":"HO-3","form":"HO-3","premium":3398}]},{"carrier":"Carrier G","notes":["Basic package."],"options":[{"label":"Basic package","form":"HO-3","premium":2151.47}]},{"carrier":"Carrier H","notes":["Limited water damage coverage."],"options":[{"label":"HO-3","form":"HO-3","premium":3585}]},{"carrier":"Carrier I","notes":[],"options":[{"label":"HO-3","form":"HO-3","premium":4993}]}],"takeaway":"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.","url":"https://www.greeneinsurance.com/reports/florida-home-insurance-quote-examples#mulberry-33860"},{"slug":"apollo-beach-33572","city":"Apollo Beach","zip":"33572","quoteDate":"2026-10-16","dwelling":500000,"hurricanePercent":2,"otherPerils":1000,"quotes":[{"carrier":"Carrier A","notes":[],"options":[{"label":"HO-3","form":"HO-3","premium":2925.77}]},{"carrier":"Carrier B","notes":["HO-3 and HO-5 options available. We can walk you through the coverage differences."],"options":[{"label":"HO-3","form":"HO-3","premium":4610},{"label":"HO-5","form":"HO-5","premium":3277}]},{"carrier":"Carrier C","notes":["Includes 10% ordinance or law coverage."],"options":[{"label":"HO-3","form":"HO-3","premium":4632}]},{"carrier":"Carrier D","notes":["Compare the original quote with two additional package options."],"options":[{"label":"Original quote","form":"HO-3","premium":4929.7},{"label":"Package option 1","form":"HO-3","premium":4918.7},{"label":"Package option 2","form":"HO-3","premium":5115.6}]},{"carrier":"Carrier E","notes":[],"options":[{"label":"HO-3","form":"HO-3","premium":2596.46}]},{"carrier":"Carrier F","notes":[],"options":[{"label":"HO-3","form":"HO-3","premium":5805}]},{"carrier":"Carrier G","notes":["Basic package."],"options":[{"label":"Basic package","form":"HO-3","premium":4131.02}]},{"carrier":"Carrier H","notes":["Limited water damage coverage."],"options":[{"label":"HO-3","form":"HO-3","premium":4691}]},{"carrier":"Carrier I","notes":[],"options":[{"label":"HO-3","form":"HO-3","premium":6796}]}],"takeaway":"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.","url":"https://www.greeneinsurance.com/reports/florida-home-insurance-quote-examples#apollo-beach-33572"}]}