The average Florida home insurance premium is approximately $4,419/year as of 2025 — significantly higher than the national average of $2,601. However, good news: prices are starting to come down as the market stabilizes post-2023 reforms. Your actual rate depends on your home's age, location, roof type, construction, and coverage limits.

Yes — wind damage from hurricanes is covered under a standard homeowners policy. However, there is a separate hurricane deductible (typically 2–5% of your dwelling coverage amount) that applies specifically to named storms. Flood damage from storm surge is NOT covered and requires a separate flood insurance policy.

No. Flood insurance is never included in a standard homeowners policy — it must be purchased separately through the National Flood Insurance Program (NFIP) or a private flood insurer. Given Florida's geography, we strongly recommend every homeowner carry flood coverage.

A 4-point inspection evaluates your home's four main systems: roof, electrical, plumbing, and HVAC. Most Florida carriers require this for homes 30 years old or older before they'll issue or renew a policy. It's also a good way to identify issues before they become claims.

Citizens Property Insurance is Florida's state-run insurer of last resort — designed for homeowners who can't find private market coverage. While it's a valid option, private carriers often offer broader coverage and better claims service. We always shop the private market first and only recommend Citizens if it's truly the best available option.

Home insurance quotes typically take up to 24 hours. We'll need your home's address, year built, square footage, roof age and type, and current coverage details. We then shop all 10 of our carriers to find your best option.