Best Home Insurance in Florida for 2020

By Aten-Re El Published: May 21, 2020

Looking for home insurance in Florida, but unsure where to begin your search? 

Our guide offers an overview of the various insurance options in Florida and answers additional questions you may have about coverage.

This guide will lead you to the cheapest home insurance in Florida. 

Our #1 pick for the best overall home insurance in Florida is: Kin

Our #1 Pick

kin logo

Kin is our #1 pick overall for homeowners insurance in Florida. Their application is super fast, their site is easy to navigate, and they have some of the lowest rates.

home insurance florida

Find Out Who Made Our List of Best Home Insurance In Florida.

Plus More Details On Each Company, Why You Need Homeowners Insurance, What Does It Cover, And How To Apply For Coverage.

home insurance florida

Find Out Who Made Our List Of Best Home Insurance In Florida.

Plus More Details On Each Company, Why You Need Homeowners Insurance, What Does It Cover, And How To Apply For Coverage.

1. Kin

5.0

kin logo

Kin is our top choice for best overall Florida homeowner’s insurance.

Why? 

Kin provides a user-friendly website that allows you to look up a quote and insure your home in a matter of minutes, based on your needs and your type of dwelling.

They offer a wide array of policies, from the basic homeowner’s insurance covering a set list of situations or ‘perils’ to more comprehensive plans covering an array of potential damages.

Recognizing that different types of houses require specific coverage, Kin also includes insurance for condos and older homes.

If you’re seeking homeowner’s insurance in Florida, cost may be an issue, which is why Kin’s extensive list of plans has you covered, no matter your situation.

Kin’s claims center will walk you through the claims process and assess any damages to your home using the latest technology, allowing you to receive your settlement as quickly and with as little stress as possible.

Their chatbox on the home screen makes it easy to answer your questions.

The company has received an A-grade rating from Demotech, Inc., demonstrating their financial stability.

They’ve also received acclaim from publications like Forbes, The Wall Street Journal, and The Miami Herald, as well as many positive customer reviews.

  • Best for overall home insurance in Florida due to its variety of plans and add-ons
  • Easy and fast quote process
  • A+ BBB rating 
  • Kin's reinsurers all have A ratings or beyond from A.M. Best

2. State Farm

4.8

state farm logo

State Farm is among the largest insurance companies in the business. They’ve been around for over 100 years, which speaks to their reliability.

They have numerous insurance options for your personal and business life—they even offer investment and banking services as well.

It’s safe to say that State Farm has got you covered when it comes to home insurance.

  • State Farm ranks best for insurance coverage for most people.
  • A+ BBB rating and an A++ rating from A.M. Best
  • State Farm offers flexible billing options
  • State Farm can be more expensive in Florida compared to other states

3. Progressive

4.5

progressive logo

One of the biggest draws of Progressive Insurance is the sheer number of discounts they offer and ways to save on their insurance policies.

Everything from bundling your policies to going paperless and making your payments automatically can save you a buck.

They will even compare their plans to similar policies from their competitors before you sign up.

  • Progressive ranks best for customer service and discounts for students and safe drivers
  • Its widespread coverage and low rates across the U.S make it a reliable insurer
  • The “Name Your Price” tool gives you a way to build a policy around your budget.
  • They offer 24/7/365 customer service.
  • A+ rating from BBB and an A+ Superior rating from A.M. Best

4. Chubb

4.7

chubb logo

Unlike the other companies on the list, Cubb mainly serves high-net-worth families, their goal isn't to focus on discounts or giving you the "lowest rates". 

However, they will give you all of the "white glove" perks, coverages and services they have to offer. 

  • They Specialize in insuring high-value homes, automobiles and collectibles.
  • Home and auto policies include identity theft monitoring and other bonuses.
  • Has lower amount of complaints than expected for a company of its size.

5. Amica

4.5

amica logo

Amica prides itself on its customer service, and it shows.

They are the first insurance company to receive 50 J.D. Power Customer Satisfaction awards.

So, if being treated fairly with respect is your top priority when it comes to homeowner's insurance in Florida, go straight to Amica.

  • Amica ranks best for customer service due to high customer satisfaction.
  • Easy process of filing claims
  • They will pay full replacement costs for damaged or destroyed personal property
  • A+ rating from BBB and an A+ Superior rating from A.M. Best

Is Home Insurance Required in Florida?

Florida does not require homeowners to purchase insurance under state law.

However, it’s important to recognize that many mortgage companies oblige their customers to purchase home insurance, or else you risk the company purchasing insurance on your behalf and charging you for it.

You’ll also need to take into consideration certain features of your home, such as pets or swimming pools, which may require the purchase of insurance in different cities and counties.

Additionally, if you live in disaster-prone areas, you’ll likely want to have the comfort of insurance to know that your property assets will be covered, regardless of the future.

THE SIMPLY INSURANCE WAY

Home Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us.

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get home insurance coverage within minutes of getting your quotes and applying.

What Does Florida Home Insurance Cover in 2020?

Home insurance in Florida covers all the things that you would normally expect, such as damage to personal property, the actual dwelling, and all other structures.

These other structures can include a detached garage, fence, or shed — as well as personal liability and loss of use (also known as Additional Living Expense or ALE) of your home.

Some common situations covered under Florida home insurance includes robberies and other theft, hail, water damage, fire, lightning, and hurricanes. 

Dwelling Coverage

This part of your insurance policy covers the repair or replacement of your physical home and other structures.

This amount can be adjusted and will affect the final cost of your insurance.

Personal Property

This part of your insurance policy covers the repair or replacement of your personal property like household goods and electronics.

This amount can be adjusted and will affect the final cost of your insurance.

Personal Liability

Personal liability will pay for any damage you might accidentally cause to someone else’s property.

It will also cover a limited amount of medical payments if a guest is injured while visiting you.

Loss of Use

If a situation prevents you from living in or using your rented home or apartment, this part of your insurance coverage will kick in.​

It can pay for everything from your hotel stay to your groceries.

INSURANCE WHERE YOU LIVE

Home insurance by state.

What Does Florida Home Insurance (Not) Cover? 

Florida home insurance typically covers a wide variety of natural disasters, but not all of them, and not in all cases. Read on to find out whether you’re covered in the following situations:

Earthquakes

Like most insurance policies in other states, Florida home insurance usually does not cover earthquakes.

Although earthquakes may not be as commonplace in Florida compared to other parts of the U.S., concerned customers can purchase separate earthquake insurance at an added cost.

Floods

Unfortunately, most homeowner’s insurance policies in Florida do not cover flood damage either.

However, many insurance companies offer flood insurance as an add-on.

Additionally, you can look to the National Flood Insurance Program and see if you qualify for insurance.

Hurricanes

Most Florida homeowners and renters’ insurance will cover damages incurred due to hurricanes.

However, some policies will not cover windstorm damage, which can result from hurricanes.

Other insurance companies will cover windstorm damage under a ‘hurricane’ deductible in your policy.

How Much Does Florida Home Insurance Cost in 2020?

Although home insurance is often expensive no matter where you live, Florida ranks among the priciest states in the nation for insurance.

The average cost of homeowner’s insurance in Florida in 2020 is $1,727.

However, this rate is not the same across the state, as the price will vary depending on where you live.

Costs will also vary widely depending on the insurance company that you choose and the type of dwelling, such as a condo or a single-family home.

best homeowners insurance florida

Will Homeowners Insurance Cover My Roommate?

A common scenario would be if you are related to your roommate, such as a sibling, spouse, adult child, or parent.

In that case, blood or adopted relatives and legal partners (such as in a marriage or domestic partnership) are covered under nearly all homeowner’s insurance policies.

However, what if you're in a relationship with someone but not legally bound to them? Typically, your policy will not cover them.

But if you’re renting out a room to a friend or a complete stranger, unfortunately, they are not covered.

They’ll need to get their own renter’s insurance. Additionally, some insurers may cancel your policy if you don’t inform them of a roommate. 

How Can I Buy Florida Homeowners Insurance?

The fastest way to purchase Florida homeowner’s insurance is to use the below steps:

View Your Instant Quote

First, you want to click here or any of the above buttons to start the quote process, you won't need any personal information other than the address to get your quotes fast. Once you have your quotes and pick the coverage option that works best for you, it's time to get covered.

Get Your Personal Information Together

You will need your name, address, and Social Security number. The online forms guide you through several questions to learn more about the rental you will be living in and what coverage you need. 

Start Your Online Application

Once you have all of your personal information together, your next step will be to start the application. This will be easy by just following the prompts after you complete your quote. 

Know The Safety Features Of Your Home

The application might ask about smoke detectors, sprinkler systems, and deadbolts. The best homeowners insurance will offer discounts for those features.

Sometimes, the intake form may also ask if you have pets, especially certain dog breeds. Overall the process can take less than five minutes. 

Answer Your Questions Honestly

Be sure to answer every question, truthfully. If you do not, and something happens, the company may deny your claim. Even if they do not deny your claim, you still may be committing fraud. 

Print Your Proof Of Insurance

Once your policy has been approved and paid for, simply print out your proof of insurance, and you're covered.

THE SIMPLY INSURANCE WAY

Home Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us.

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get home insurance coverage within minutes of getting your quotes and applying.

Take Action 

Ultimately, the choice is yours, but we recommend Kin as the best home insurance company in Florida. 

This is due to the quality of customer service, easy quote process, and range of protections that your home will receive, especially when compared to the other options on this list. 

If you want to get homeowners insurance, we’ve done the hard work for you—check out the top three companies or get your free quote for homeowners insurance today.


Aten-Re El

About the author

Aten-Re El is a Co-Founder and Chief Operating Officer of Simply Insurance as well as a licensed life & health insurance agent with over 11 years of experience. Aten-Re is responsible for the daily operations of Simply Insurance and building and procuring strong client relationships with our insurance partners.

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