Florida Home Owners Insurance

Florida

Florida Home Owners Insurance

What Does Homeowners Insurance Cover In Florida?

Homeowners insurance helps pay to repair or rebuild your home and replace personal property due to a covered loss. A typical policy would include loss from theft and structural damage from fire, leaks, water discharge, fallen trees, or as a result of a storm.

Most Common Causes For Homeowners Loss And Claims (nationwide)

You will notice a natural disaster theme in the chart below.

Statistics show that 98.1% of losses and homeowners claims are due to property damage, with wind and hail damage making up a big chunk.

But don’t rule out the small percentage of homeowners losses due to theft…it still happens!

Wind
Hail
Other Weather related
Fire
Water Damage
Power surge
Lightning
Injuries
Vandalism
Loss of Use
Theft

Cheapest Homeowners Insurance (by city) In Florida

Here you will find some of the cheapest homeowners coverage rates by cities in Florida. Even if your city is not listed here, we can still get you affordable rates.

CityPrice
Lehigh AcresAmerican Family
GainesvilleFarmers
HollywoodTravelers
Cape CoralLiberty Mutual
Miami GardensProgressive (ASI)
Pembroke PinesAllstate
Deerfield BeachUSAA
Pinellas ParkTravelers
ClearwaterAllstate
DoralProgressive (ASI)
DeltonaUSAA
JacksonvilleProgressive
Palm BayUSAA
MiramarTravelers
TamaracLiberty Mutual
St. CloudTravelers
Wesley ChapelAllstate
The VillagesProgressive (ASI)
AlafayaFarmers
Town ‘n’ CountryUSAA
BrandonLiberty Mutual
Palm CoastState Farm
JupiterFarmers
MiamiAllstate
KendallState Farm
PlantationAmica
BradentonProgressive
WestonProgressive (ASI)
St. PetersburgTravelers
Palm HarborTravelers
LauderhillAllstate
OrlandoState Farm
Coconut CreekAllstate
TamiamiTravelers
Pine HillsChub
LakelandProgressive (ASI)
Miami BeachNationWide
Boynton BeachAllstate
TallahasseeTravelers
PensacolaState Farm
Port St. LucieUSAA
West Palm BeachProgressive
Fort MyersUSAA
Boca RatonProgressive
RiverviewUSAA
Pompano BeachUSAA
Spring HillAllstate
North MiamiTravelers
SanfordChub
PoincianaState Farm

Homeowners Coverage Options In Florida

Homeowners Insurance in Florida

Homeowners insurance covers replacing your home and personal items up to certain limits, depending on your policy. While most disasters are covered, earthquakes and flooding is not. Additionally, insurance policies do not cover the normal aging of your house.

In your policy, there are several coverage types identified:

  • Coverage A – Dwelling — Pays for damage or destruction to your house and any unattached structures and buildings. Examples include fences, attached garage, or patio cover.
  • Coverage B – Other structures such as a garage, deck or swimming pool
  • Coverage C – Personal Property — Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
  • Coverage D – Loss of Use — Pays for additional living expenses if your home is uninhabitable due to a covered loss. Most standard Florida Homeowners Insurance policies pay 10% to 20% of the amount of your Dwelling coverage
  • Coverage E – Liability — Protects you against financial loss if you are sued and found legally responsible for someone else’s injury or property damage
  • Coverage F – Medical Payments — Covers medical bills for person(s) injured on your property.

Discounts Available For Homeowners Insurance In Florida

Here you will find some of the ways you can get discounts with your home owners insurance. It’s always helpful to have some of these features in your home, now it’s also a good way to save.

Loyalty
Smoke detector (monitored)
Claims Free
Upgraded Wiring
Married discount
New home discount
Non-smoking discount
EFT
Hail resistant roofing
Upgraded roof
Gated comunity
Bundling Multiple Polices
Auto water shut off or leak detection

Best Homeowners Insurance By Company In Florida

You deserve and want the best coverage and company to handle your home. Here you will find a list of the best companies for the best home owners insurance ratings.

CompanyAM Best
ChubbA
AllstateA+
NationwideA
State FarmA++
ProgressiveA+
Auto-Owners InsuranceA
Farmers InsuranceA
USAAA++
Hartford FinancialA+
Liberty MutualA
American InternationalA-
American FamilyA
MetLifeA-
TravelersA++

Bundling Options With Homeowners Insurance In Florida

Bundling some of your other vehicles and insurances is a great way to save money. Having everything under one roof with one premium is a great way to take care all of your insurance needs.

RV
Umbrella
Health
Auto
Motorcycle
Boat
Life
Business
ATV
Homeowners Insurance Florida

* Laws Pertaining To Homeowners In Florida

Here is a great and informative resource for Florida HOA Laws & FL Homeowners Association Resources.

Which Companies Offer Homeowners In Florida?

Having choices when it comes to your homeowners insurance provider is a great thing to have. Below you will find the companies who offer homeowners insurance in Florida.

CompanyHomeowners Offered
American Familyyes
Nationwideyes
State Farmyes
American Internationalyes
Travelersyes
Farmers Insuranceyes
Chubbyes
Hartfordyes
Progressiveyes
USAAyes
Allstate Corp.yes
MetLife Inc.yes
Liberty Mutualyes
Auto-Ownersyes
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Last Updated on November 10, 2021 by Shawn Christie

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