The Best Home Insurance in Florida for 2025

Chubb, USAA and Amica are among the best home insurance companies in Florida, according to our analysis.

We analyzed data from insurance companies across the state to help you find the best home insurance in Florida. Below are the insurers that earned 4.3 stars or more in our analysis.

Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

» MORE: The best homeowners insurance

Here's more information about the best homeowners insurance companies in Florida.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state. Even if an insurer serves your state, it may not write policies for all homes in all areas.

Chubb caters to affluent homeowners, offering coverage other insurers often charge extra for. For example, the company offers extended replacement cost coverage for the structure of your home. This is useful in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Chubb policyholders with secondary or seasonal homes in Florida are eligible for the company’s Property Manager service at no charge. With this service, a Chubb representative will check your home after a hurricane and report its condition to you. They can also help prevent further damage and submit a claim on your behalf.

» READ MORE: Chubb homeowners insurance review

Amica shines when it comes to customer service. Amica draws a very low rate of complaints compared to other insurers, according to the National Association of Insurance Commissioners. Amica also earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction.

The company also stands out for its broad range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. This could be useful in case your house costs more to rebuild than expected. You may also want to add coverage for identity theft or damage from backed-up drains.

» READ MORE: Amica homeowners insurance review

If you want to do business with companies that value sustainability, consider Cincinnati Insurance. In recent years, the insurer has reduced fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can repair or rebuild your home with eco-friendly materials after a claim.

The company offers a variety of other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati homeowners insurance review

As America’s largest home insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home.

You may be able to add coverage for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

State Farm offers a free Ting smart plug to home insurance policyholders as a perk. This device monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Kin was founded in 2016 to provide coverage in high-risk states where affordable homeowners insurance can be hard to find. Its user-friendly website makes it easy to get a quote, file a claim or learn about insurance.

Kin’s policies include replacement cost coverage for your belongings, a more generous type of coverage than some insurers offer. You can also add coverage for identity theft, fungi and mold, and damage from backed-up drains.

Note that coverage for dog bites and other animal liability claims is optional with Kin (most other companies include it). If you have a pet, consider adding liability coverage to your policy.

» READ MORE: Kin homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay out only what your items are worth at the time of the claim.

USAA offers some perks that are specific to members of the military, like deductible-free coverage for military uniforms and equipment. USAA will also waive your deductible if your personal property is damaged or lost due to war.

» READ MORE: USAA homeowners insurance review

• See all NerdWallet home insurance reviews

  AAA Allstate American Family Amica Andover Companies Auto-Owners Chubb Cincinnati Citizens Property Insurance Concord Group Costco (Connect) Country Financial Erie Farmers Frankenmuth GEICO The Hanover The Hartford/AARP

  Hippo Homeowners of America Homesite Kin Lemonade Liberty Mutual Mercury Nationwide NJM Openly Progressive Safeco Safety State Farm Travelers Universal Property USAA

Having trouble finding an affordable rate or getting coverage from one of the best Florida home insurers above? Here are a few other companies you can try.

Citizens Property Insurance Corporation

Citizens is a government entity created in 2002 by the Florida Legislature. It serves as an "insurer of last resort" for Florida homeowners who can't get coverage on the private market. You may qualify for insurance from Citizens if:

• You can’t find a standard insurer willing to sell you a policy.

• The premiums offered by other insurers are more than 20% higher than the Citizens rate.

A severe storm could potentially be costly for Citizens policyholders. If Citizens finds itself in a situation where it can't pay all claims, it’s legally required to charge an assessment to make up for that shortfall. Note that all Florida policyholders could be assessed, even those who are not customers of Citizens.

Read our Citizens home insurance review for further details.

The average cost of homeowners insurance in Florida is $2,625 per year, or about $219 per month. That’s 24% more than the national average of $2,110.

In most U.S. states, including Florida, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score. 

In Florida, those with poor credit pay an average of $3,855 per year, according to NerdWallet’s rate analysis. That’s 47% more than Floridians with good credit.

» MORE: What’s the average cost of homeowners insurance?

You may pay more or less than the state average for your homeowners insurance, depending on where in Florida you live. For example, the average cost of homeowners insurance in Miami is $5,095 per year, while homeowners in Orlando pay about $2,510 per year, on average.

The cost of homeowners insurance in Florida has risen in recent years for several reasons. First, the state sees a lot of expensive natural disasters, such as hurricanes. The higher the risk of damage, the more insurance companies charge.

Second, homeowners insurance rates have gone up across the U.S. due to inflation, which has made it more expensive to rebuild or repair damaged homes.

Finally, insurers in Florida have historically faced more lawsuits than in any other state, and the cost of this litigation has trickled down to consumers. Florida had 9% of U.S. homeowners insurance claims but 79% of lawsuits against insurance companies, according to a 2022 data analysis by the Insurance Information Institute[1].

In 2022, Florida’s legislature passed three bills to discourage lawsuits and stabilize the insurance market. Since then, there have been signs of recovery. New companies have begun doing business in Florida, and some homeowners are even seeing their rates go down.

One way to reduce your home insurance cost in Florida is to lower your risk of hurricane damage. Florida's "My Safe Florida Home" program provides grants to help homeowners strengthen their homes against hurricanes. However, availability is subject to state funding, and the waiting list for grants can be long.

» MORE: How to protect your home from climate change

Floridians should make sure their homes are covered for some of the state’s most common natural disasters.

Hurricanes and tropical storms

Hurricanes and other tropical storms typically cause two types of damage — wind and water — and a standard homeowners insurance policy may not fully cover them.

Just about every home insurance policy excludes coverage for flood damage. If you’re at risk, consider buying flood insurance. It's available through the federal government’s National Flood Insurance Program or private providers.

To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

» MORE: How to choose the best flood insurance

Homeowners insurance usually covers wind damage. However, those in high-risk coastal locations may have to purchase this coverage separately.

Even if your homeowners policy does include wind coverage, there may be a separate deductible for claims from a named hurricane. Say you've chosen a $1,000 deductible for your policy. The hurricane deductible may be a higher amount, such as 2% of your dwelling coverage limit. On a house with $300,000 in dwelling coverage, you’d be responsible for the first $6,000 of any hurricane-related repairs.

Learn more about hurricane insurance.

Sinkholes

By law, homeowners insurers in Florida must offer coverage for “catastrophic ground cover collapse,” a specific type of sinkhole damage.

In order for this coverage to apply, the incident must meet all of the following conditions:

• The ground cover must suddenly collapse.

• The depression in the ground cover must be visible to the naked eye.

• There must be structural damage to the building’s foundation.

• A government agency must order the building condemned and vacated.

Because some sinkhole damage may not meet all these conditions, you may want to add specific sinkhole coverage to your policy.

The Florida Office of Insurance Regulation oversees the state’s insurance industry. You can use the agency’s website to file a complaint against your insurance company and get information about insurance. The agency’s toll-free helpline is 877-693-5236.

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