Florida home insurance

Every figure below is sourced and dated. Estimates only — not quotes, and not offers of coverage.

Home insurance premium estimator

What homeowners insurance costs in your state, and whether what you pay is out of line.

Is your dwelling coverage actually enough to rebuild — and what a shortfall costs at claim time.

What a higher deductible really saves, how long it takes to pay off, and what a storm deductible actually costs.

Did your renewal go up more than premiums did across your state — and what to do about it.

All six limits on your policy against what the standard form and regulators say to expect — including the liability limit nobody looks at.

Average premium: $8,471/ yr; At $300,000 of dwelling coverage.
Standard deductible: $2,500; Applies to everyday claims.
Storm deductible — separate, and much larger: $6,000(2% of coverage); What you would pay out of pocket on $300,000 of coverage before a storm claim pays anything — not the $2,500 above.
Insurer of last resort: Citizens Property Insurance Corporation; Florida's state-backed insurer of last resort. Eligibility is restricted by design: an owner must be unable in good faith to obtain comparable coverage in the private market, and cannot buy from Citizens if private coverage is available within 20% of the Citizens premium. Policy count has fallen sharply from its October 2023 peak of roughly 1.42 million to about 394,000 as carriers re-entered the market. Regulators approved a statewide average Citizens rate CUT of roughly 8.7-8.8% on multiperil policies (5.5% wind-only) effective July 1, 2026, reaching about 14% in Miami-Dade and Broward.