Homeowners Insurance Cost in Florida
Homeowners insurance in Florida costs about $5,280 a year ($440 a month), which is 120% above the US average. Most prices fall from $2,860 to $12,100.
Homeowners Insurance Cost in Florida
| Low | Typical | High | |
|---|---|---|---|
| Florida | $2,860 | $5,280 | $12,100 |
| US average | $1,300 | $2,400 | $5,500 |
Insurers price by state because accident rates, theft, storms and legal costs differ from place to place. We rank Florida number 51 of 51 from cheapest to most expensive (1 is cheapest). State factor used: 2.20 (1.00 is the US average).
What the price covers
The figures are for a single-family home with about $300,000 of dwelling coverage. Storm, fire and flood risk, rebuild cost and roof age drive the price. Flood and earthquake are usually separate policies.
Ways to pay less in Florida
- Ask about discounts for a new roof, security system and bundled auto.
- A higher deductible lowers the premium, especially in storm-prone areas.
- Flood and earthquake damage are usually not covered. Ask about separate policies.
Frequently asked questions
How much is homeowners insurance?
In Florida the typical price is about $5,280 a year ($440 a month), with a range of $2,860 to $12,100.
Is homeowners insurance more expensive in Florida than average?
It is 120% above the US average of $2,400.
Is this a quote?
No. It is a modelled estimate. Get quotes for your exact situation.
Sources and method
- Insurance Information Institute: auto and homeowners insurance facts
- NAIC: average premium reports and consumer insurance guides
- Estimates only, not an insurance quote
Page last updated November 2026. See our editorial policy and disclaimer.