Florida Home Insurance — Compare Rates, Coverage & Providers (2025)
Florida is one of the most expensive and most challenging states for home insurance.
Hurricanes, windstorms, flooding, rising reinsurance costs, and increased claim frequency have pushed rates higher across the state.
HouseInsurance.io helps Florida homeowners, condo owners, and landlords compare real home insurance options based on their ZIP code, property type, and coverage needs. Our platform connects you with licensed insurers that operate in Florida and understand local risk.
Understanding Home Insurance in Florida
Florida has unique insurance rules and coverage requirements that do not apply in other states.
Many national carriers have limited operations in Florida due to risk exposure, which makes comparison shopping even more important.
Common factors that affect Florida home insurance rates include:
• storm and hurricane exposure
• wind mitigation features
• roof age and construction type
• proximity to the coast
• flood zone
• construction materials
• claim history
• local building code requirements
Because of this, two homes only a few miles apart can have very different premiums.
What Does Florida Homeowners Insurance Cover?
Most standard Florida HO-3 policies include:
• dwelling protection (structure)
• personal belongings
• additional living expenses
• liability protection
• hurricane/windstorm coverage (varies by carrier)
• medical payments to others
• detached structures (garage, shed, fence)
Coverage varies by ZIP code, insurer, and underwriting requirements.
Wind & Hurricane Deductibles in Florida
Florida policies often include special deductibles for:
• hurricanes
• named storms
• windstorms
These deductibles are usually a percentage of the home’s insured value (ex: 2%, 5%).
They may significantly affect out-of-pocket costs after a storm.
Is Flood Insurance Required in Florida?
Standard home insurance does not include flood coverage.
If you live in a FEMA high-risk zone (A, AE, VE), lenders typically require a flood policy.
Florida homeowners can compare:
• NFIP (FEMA) flood insurance
• private flood insurance
• excess flood coverage for high-value homes
How to Lower Your Home Insurance Costs in Florida
You may qualify for discounts if your home includes:
• updated roof
• impact windows or shutters
• roof straps (wind-mitigation features)
• updated plumbing/electrical systems
• security system
• temperature/water leak sensors
• wind-mitigation inspection (Form 1802)
These features reduce hurricane and windstorm risk and may significantly lower premiums.
Condo Insurance (HO-6) in Florida
Florida condo owners face similar challenges as homeowners.
HOAs may have master policies, but condo owners still need HO-6 coverage for:
• interior walls and floors
• appliances
• personal belongings
• liability
• loss assessment
• additional living expenses
HO-6 pricing is heavily influenced by building age and proximity to the coast.
Landlord & Rental Property Insurance in Florida (DP-3)
If you rent out property, a regular HO-3 policy may not apply.
DP-3 policies offer coverage for:
• structure
• liability
• tenant-caused damages
• loss of rental income
• wind/hurricane protection (if included)
Mobile & Manufactured Home Insurance in Florida
Many Florida homes are manufactured or mobile homes.
Coverage may include:
• hurricane/wind protection
• fire, theft, vandalism
• liability
• attached structures (porches, additions, decks)
These homes often require specialty insurers.
How HouseInsurance.io Helps Florida Homeowners
We match you with licensed insurers that operate specifically in your ZIP code, taking into account:
• hurricane risk
• flood zones
• wind-mitigation credits
• roof age requirements
• property-based underwriting
Our service is always free, fast, and independent.
Get Home Insurance Options for Your Florida ZIP Code
Enter your ZIP code to compare real home insurance options available in your area.
Start Your Home Insurance Search