Like many coastal states, Florida sees a typical pattern of hazardous weather — making it important to find the best home insurance possible for financial protection. Persistent hurricane risk, elevated reinsurance costs, and rebuilding inflation have pushed Florida homeowners premiums far above the national average in 2025. Recent studies place Florida’s statewide averages roughly between about $2,700 (standardized, $300,000 dwelling) and well above $5,000 depending on methodology — compared with U.S. averages near $1,900–$2,600 using the same sources (NerdWallet; Bankrate; Policygenius; Insurance Information Institute). Multiple industry trackers also document broad, double‑digit premium increases since 2022, especially in hurricane‑exposed states (Swiss Re; Gallagher Re; Policygenius Pricing Report). Florida’s market is evolving in 2025 as private carriers expand, Citizens continues depopulation under a 20% private‑offer eligibility threshold, and Citizens’ phased flood‑insurance requirement progresses toward 2027 (Florida OIR; Citizens Depopulation; Citizens Flood Requirement). The four profiles below highlight nationally recognized brands; however, many Floridians also compare strong Florida‑domiciled carriers (e.g., Universal, Tower Hill, Florida Peninsula, Security First, Slide, Kin) with solid financial stability ratings (AM Best on Universal; Demotech FSR). Availability and price vary by county, roof age/material, and hurricane deductible.

The Four Best Home Insurance Companies in Florida

• Allstate: Best for New Homebuyers
• ASI Progressive: Best for Digital Tools
• Nationwide: Best for Affordability
• State Farm: Best for Customer Satisfaction

To help in your search for home insurance, Reviews.com has compared Florida insurance companies to find the ones that offer the best combination of rate affordability and reputation. We based our selections in this review on current rate context from multiple 2025 sources (Bankrate; NerdWallet; Policygenius), financial strength (AM Best/Demotech), recent J.D. Power satisfaction benchmarks (J.D. Power 2025 U.S. Home Insurance Study), complaint indices (NAIC CIS; NAIC Complaint Index), and 2024–2025 Florida market dynamics (OIR stability reports, Citizens depopulation and flood requirements).

Compare the Best Home Insurance Companies in Florida

According to Reviews.com’s study, the four best home insurance companies in Florida are Allstate, ASI Progressive, Nationwide, and State Farm. You may find one or more of these insurers can offer you a robust, cost-effective policy that will protect your home and possessions in the event of a disaster. Note: the comparison table below retains historical 2022 premium and satisfaction figures for reference; current 2025 market conditions reflect higher statewide averages and different satisfaction standings (see Bankrate; NerdWallet; J.D. Power 2025). Always verify current availability and pricing by ZIP code, as underwriting appetite in Florida can change rapidly.

Information accurate as of September 2022

*2022 premium data provided by Bankrate.com. Based on $250,000 dwelling coverage.

**J.D. Power’s 2021 U.S. Home Insurance Study. Based on a 1,000-point scale. See the latest 2025 release for current rankings.

*2022 premium data provided by Bankrate.com. Based on $250,000 dwelling coverage.

**J.D. Power’s 2021 U.S. Home Insurance Study. Based on a 1,000-point scale. For the newest benchmarks, see the 2025 study.

The Average Cost of Home Insurance in Florida

According to 2025 rate studies, Florida remains the costliest state for homeowners insurance. Using standardized sample profiles, Bankrate places Florida’s average in the low‑to‑mid $3,000s per year (often around $300,000 in dwelling coverage and a hurricane deductible) versus a U.S. average in the low‑to‑mid $2,000s. NerdWallet reports roughly $2,700 for Florida compared with about $1,900–$2,000 nationally under its assumptions. Policygenius frequently shows Florida several multiples of the national average for higher replacement‑cost profiles (often $5,000+ and, in some analyses, $7,000+). Differences reflect coverage assumptions, roof age/material, distance to coast, and hurricane deductible. Since 2022, cumulative increases commonly total 30%–60% for standardized profiles across sources (Policygenius Pricing Report; Triple‑I).

Top 3 Cheapest Home Insurance Companies in Florida

*Historical 2022 sample from Bankrate.com based on $250,000 dwelling coverage; current 2025 averages are materially higher and vary by methodology (Bankrate; NerdWallet; Policygenius).

Top 3 Most Expensive Home Insurance Companies in Florida

*Historical 2022 sample from Bankrate.com. For a current 2025 view of statewide averages and methodology differences, see Bankrate, NerdWallet, and Policygenius.

Key Things to Know About Home Insurance in Florida

If you’re a Florida homeowner, a useful source of information is the Florida Office of Insurance Regulation website, which features help for consumers, including hurricane season resources and a rate comparison tool. OIR’s property insurance stability reporting highlights a gradually stabilizing market with renewed private capacity and Citizens depopulation in 2024–2025 (OIR Stability Reports; Citizens Depopulation). Citizens eligibility continues to tighten: policyholders are ineligible if a private offer is no more than 20% above the Citizens premium, and Citizens’ glidepath allows average annual increases phasing up toward 15% by statute (Florida Statutes §627.351). The National Weather Services website also features hurricane safety tips and more to help you before, during, and after a hurricane sets down in your area. Broader industry research documents persistent double‑digit homeowners premium increases since 2022 in hurricane‑exposed states, driven by catastrophe losses, reinsurance costs, and higher replacement costs (Triple‑I Issues Brief; Swiss Re; Gallagher Re). Many carriers now employ virtual inspections, aerial imagery, and genAI‑assisted workflows to accelerate underwriting and claims (Deloitte 2025 Outlook; McKinsey).

Home Insurance Coverage Options

You may find it most helpful to talk with your insurance agent regularly to ensure that you have enough coverage for the financial protection you need, as well as the right kinds of coverage for your property. Optional coverage types, also called endorsements, may be available to help you round out your financial protection. One option is flood insurance since flood damage is not part of the average homeowners insurance policy. Lenders require flood insurance for federally related mortgages on buildings in FEMA Special Flood Hazard Areas, and Citizens is phasing in a flood‑insurance requirement for personal residential policies through 2027 (NFIP or qualifying private flood accepted) (Citizens Flood Requirement). Under FEMA’s Risk Rating 2.0, NFIP premiums are based on property‑specific risk and most annual increases are capped at 18% until full risk‑based rates are reached (FEMA Risk Rating 2.0). Florida has the largest NFIP footprint in the U.S. (on the order of ~1.7–1.8 million policies) and a growing private flood market tracked by OIR’s data call (FEMA NFIP Statistics; OIR Flood Data Call; Triple‑I Flood Facts).

Frequently Asked Questions

Methodology

We evaluated the companies based on current third‑party ratings for customer experience, financial stability, availability, and coverage options to determine which might be the best providers. Our 2025 market context draws on recent rate studies (Bankrate; NerdWallet; Policygenius), Florida regulatory updates (OIR Stability; Citizens Depopulation; Citizens Flood Requirement), and current satisfaction/complaint benchmarks (J.D. Power 2025 U.S. Home Insurance Study; NAIC CIS).

To compare home insurance companies across the board, we considered the following factors:

• Customer Ratings — Customer ratings are an indication of satisfaction with the overall experience with a company. We measured this using 2021 J.D. Power Home Insurance Study ratings.
• Coverage — As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available. 
• Confidence — It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best ratings (and, where applicable, Demotech).
• Customer Experience — The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We based this measure on the NAIC Insurance Complaint Index (methodology) for the homeowners line and company lookups via NAIC CIS.

Rates referenced in the in‑article comparison table reflect 2022 quoted annual premiums from Bankrate.com for a $250,000 dwelling — preserved here for historical comparison and clearly labeled as 2022. Current 2025 statewide averages and Florida–U.S. comparisons in the article text use the latest available sources noted above; figures are sample‑based and depend on each source’s standardized profile (e.g., dwelling limit, hurricane deductible, roof age). Your quotes may be different.

The coverage limits for home insurance rates reflect the following coverage and limits:

• Coverage A, Dwelling: $250,000
• Coverage B, Other Structures: $25,000
• Coverage C, Personal Property: $125,000
• Coverage D, Loss of Use: $50,000
• Coverage E, Liability: $300,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). For current 2025 cost comparisons, also consider profiles standardized at ~$300,000 dwelling with a hurricane or named‑storm deductible, as used by several national datasets (Bankrate; NerdWallet).

Keep Reading

Guide to Homeowners Insurance Coverage

The Cost of Flood Insurance

How to Check Your Home’s Hurricane Risk in 2025