Average Homeowners Insurance in Florida: $1,190

Median Home Price in Florida: $199,900

Florida homeowners insurance rates in December 2013 stood at an average of $1,190 as compared to $1,190 in November 2013.

Insurance Premium Saving Tips in Florida

Bundle your insurance: Bundling home and car insurance in Florida with the same provider will have approximately $119 to $179 of savings in Florida

Safety Systems: Having safety systems at home can save up to $208 in Florida

New Home: If your home was built within the past 10 years in Florida, you could save up to $238

Senior Discounts: Senior citizens (55 or older) in Florida could save approximately $238

Homeowners insurance cost by coverage

Insurance range Average homeowners insurance cost($) $49,999 and Under 36 $50,000 to $74,999 879 $75,000 to $99,999 1,041 $100,000 to $124,999 1,198 $125,000 to $149,999 1,335 $150,000 to $174,999 1,464 $175,000 to $199,999 1,585 $200,000 to $299,999 1,933 $300,000 to $399,999 2,593 $400,000 to $499,999 3,352 $500,000 and Over 4,807

Renters insurance cost by coverage

Insurance range Average renters insurance cost($) $13,999 and Under 168 $14,000 to $19,999 108 $20,000 to $25,999 171 $26,000 to $31,999 211 $32,000 to $37,999 216 $38,000 to $43,999 246 $44,000 to $49,999 269 $50,000 to $74,999 309 $75,000 to $99,999 426 $100,000 and Over 644

Average homeowners insurance by county

County Home Insurance Cost Pasco County $976 to $1323 Brevard County $990 to $1340 Pinellas County $992 to $1344 Nassau County $1007 to $1369 Collier County $1050 to $1427 Gulf County $966 to $1327 Polk County $971 to $1316 Palm Beach County $1020 to $1381 Broward County $1011 to $1370 Escambia County $980 to $1327 Volusia County $991 to $1341 Santa Rosa County $994 to $1347 St. Lucie County $979 to $1326 Lee County $992 to $1343 Franklin County $986 to $1348 Madison County $950 to $1295 Bradford County $966 to $1316 Citrus County $974 to $1319 Jefferson County $964 to $1315 Walton County $990 to $1349 Sumter County $1003 to $1362 Okeechobee County $964 to $1311 Alachua County $999 to $1354 Jackson County $953 to $1297 St. Johns County $1037 to $1411 Clay County $995 to $1348 Lake County $989 to $1339 Leon County $1006 to $1363 Levy County $959 to $1305 Wakulla County $981 to $1336 Duval County $992 to $1343 Lafayette County $979 to $1348 Indian River County $994 to $1347 Martin County $1017 to $1382 Putnam County $958 to $1301 Gadsden County $964 to $1312 Osceola County $982 to $1334 Holmes County $952 to $1296 Sarasota County $1007 to $1365 Manatee County $998 to $1353 Seminole County $1013 to $1373 Liberty County $947 to $1293 Hendry County $952 to $1297 Monroe County $1114 to $1526 Hardee County $952 to $1297 Miami Dade County $1023 to $1384 Hamilton County $945 to $1283 Bay County $992 to $1346 Union County $959 to $1313 Charlotte County $987 to $1339 Taylor County $952 to $1297 Columbia County $969 to $1318 Okaloosa County $1005 to $1363 Flagler County $1000 to $1359 Calhoun County $944 to $1287 Highlands County $963 to $1305 Marion County $976 to $1323 Orange County $1005 to $1360 Hernando County $975 to $1322 Glades County $952 to $1293 Washington County $953 to $1295 Desoto County $955 to $1304 Baker County $970 to $1324 Suwannee County $959 to $1310 Dixie County $952 to $1297 Hillsborough County $997 to $1348 Gilchrist County $962 to $1310 Miami Dade County $1203 to $1204

Recent home insurance reviews

Company: United Property Corps,

Location: 364 Shamrock Blvd. Venice, Florida, 34293

I (a twenty-three year old, single, female) was able to purchase my first home on 364 Shamrock Blvd. Venice, Florida, 34293, as of March this year. The house is just over thirty years old, two bedroom, two bath and a one car garage with a recently replaced roof, water piping and a/c unit. I enrolled of homeowners insurance with United Property Corps. and paid $841.00 for the year. On a scale of one to five, I would hardly give them a two, I have not been happy with all the hoops I have had to jump though thus far. From my rate/claim being raised twice, multiple cancelation notices and poor customer service, it leaves much to be desired!

Company: Southern Fidelity,

Location: None

I am a 57 year old female who lives with her fiance. Our homeowner's insurance is through Southern Fidelity. I am currently paying $2,202.00 per year for my homeowner's insurance. I have coverage limits of $125,000 for dwelling and property coverage; $100,000.00 for personal liability and medical payments; $10,000.00 for limited fungi property; 50,000.00 for limited fungi. I don't really deal with my carrier as I have an agent but I will give the carrier a 5 for not cancelling me when I tried People's Insurance and they dropped me after three months because of a building we added on. Southern Fidelity never cancelled us even though I requested it so it was not a problem keeping my insurance active. I have been with Southern Fidelity since I purchased the house in 2006. I currently use Hughes Insurance Services as my agent for homeowner's insurance. They are very knowledgeable and they return emails and/or calls in a timely manner. They listen to what our concerns are and don't mislead us as others have done. Southern Fidelity is an honest company.

Company: Southern Fidelity,

Location: None

I am a 57 year old woman who lives with her fiance. We have our homeowner's insurance through Southern Fidelity. Our insurance was purchased in 2006 through Hughes Insurance Services in Bradenton. We have been happy with both the insurance agent and the company although I made a mistake of trying to switch to People's (which I would never recommend) in order to lower our insurance rate. We currently pay $2,202.00 and was offered another rate through a different agent of approximately $1,300.00 per year. We made the change and I sent cancellation to Southern Fidelity. Three months later I get a dropped notice from People's due to the inspection that was done AFTER we purchased the policy. I went back to Hughes and explained what I did. They contacted me and let me know that Southern Fidelity had never cancelled my policy. I was able to return to them and would never change from Hughes Insurance Services - I would look to them to guide me. My home was built prior to 1925 and is a wood frame. We have a shingle roof with two bedrooms and 1-1/2 baths. I do not bundle auto and home. My deductible is $1,000.00 except for hurricanes when it is $2,500.00.

Home Insurance Monthly Trends

The below graph compares Floridas home median prices against, renters and owners home insurance average rates in Florida.

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