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11 The Best Florida Homeowners Insurance Companies

Florida Homeowners Insurance Quotes

Whether you own or rent a home, apartment or condo in Florida,  you will want to protect your investment by selecting the Best Florida Homeowners Insurance Companies in the Florida market, and which you can trust.

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    Florida Homeowners Insurance Companies

    Known for it pristine beaches, parks and holiday resorts, Florida is a wonderful place to call home. There is a lot to love about the lifestyle in the Sunshine state, which of course doesn't necessarily include the money home owners (or renters) pay for their home insurance policies. Of course, the best Florida Homeowners Insurance Companies do compete against each other to offer premiums that are competitive and affordable but as a whole, Florida annual premiums for homeowners insurance are indeed on the higher side.

    How Do I Choose The Best Homeowners Insurance?

     

    Save Money on Homeowners' Insurance

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    How much can I expect to pay for my Home Insurance?

    Compared to the national average of $1,173 per year, Florida home owners pay an average of just under $2000 per hear for their homeowners insurance premiums.  That's quite an increase, and of course, the cost of premium depends on several factors, including where you live, how old your home is, it's value etc...

    The Best Florida Homeowners Insurance Companies

    Why are homeowners insurance premiums more expensive in Florida?

    The answer to that question is simple and understandable. Out of the ten most devastating hurricanes in the US, a whooping 7 of them made landfall in Florida, six of them occurring in the years 2004 and 2005.

    Notwithstanding the cost of damages in human terms, hurricane often leave behind a trail of devastation that can amount into the billion of dollars. As a whole, the sunshine state is still reeling from the effects of the Irma, a category 4 hurricane that hit the state in 2017.

    In addition to Hurricanes, Florida also has to deal with a range of other disasters such as wildfires and tornadoes.

    Save Money on Homeowners' Insurance

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    The best Florida Homeowners Insurance Companies

    (The information below is valid at the time of writing.  It is important to understand that only an insurance agent, who specializes in the Florida marketplace can provide an up-to- date assessment as to which companies offer the best or more affordable deals.)

    Tower Hill Group

    The second largest insurance provider in Florida, Tower Hill Group provides an extensive range of insurance related services as well as providing options for:

    • Water damage coverage
    • Sewer insurance plans
    • Personal valuables
    • Protection against identity theft

    One of Tower Hill Group premium offer is its Imperial Shield program aimed at high end homes. Unlike other providers, Tower Hill Group offers its own flood insurance, even though in Florida, National Flood Insurance Program is provided by the federal government. For example, Tower Hill's flood insurance can provide home owners coverage for up to $5 million in building replacement costs and a more than generous $2.5 million in home content.

    As far as premiums are concerned, Tower Hill certainly makes an effort to be as affordable as the market will allow it to be. It's rates are certainly competitive when compared to other providers.

    Ratings: Tower Hill received a A- rating from A.M. Best.  A very honorable commendation which means that the company has the financial backbones and the excellence of service to be able to meet its obligations when disaster strikes.  (i.e. pay your claims)

    State Farm

    One of the largest insurance providers in the nation, State Farm is a national insurance known throughout the USA by name and reputation.

    Insurance services provided:

    • Umbrella liability coverage
    • Personal property coverage
    • Identity theft coverage

    If you are looking for discounts and are willing to combine insurance types into one, then State Farm is an excellent option to consider.  A common multi-line discount package would combine both auto and home insurance policies.

    Ratings: State Farm has a A++ rating from A.M. Best. (The highest possible ranking)

    Citizens Property Insurance Corp.

    Also known as the "insurer of last resort", Citizens Property Insurance Corp often time serves as the insurance company of choice for those who's quest for coverage with other providers have proven to be unsuccessful.  Be that as it may, let not this accolade deter you for exploring the many options Citizen Property offers. Citizens Property Insurance Corporations is a state backed insurance provider.

    With few choices, compared to other providers, Citizens does acquit itself more than honorably when it comes to personal property coverage and sinkhole damage coverage.

    [su_highlight background="#ffff99"]Save even more on your homeowners insurance? Consider installing a Fire or Burglar alarm in your home.[/su_highlight]

    Ratings: Citizens Property Insurance Corp has a B++ rating from A.M. Best. (Good - B++ is an updated ranking compared to a previous rating of B+)

    Other Homeowners Insurance Companies

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    America Family Amica Farmers
    Hartford Liberty Mutual Metlife
    Nationwide Travelers USAA

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    The Best Florida Homeowners Insurance Companies are a subjective method of grading the companies when comparing they against each other.  These ratings are dependent on several factors including customer satisfaction, reader score feedback and satisfaction. When dealing with a Florida based Insurance Agency such as ourselves, we have certainly have access to the most updated data with regards to the the Best Florida Homeowners Insurance Companies.

    It is important that you get the right Florida Homeowners Insurance coverage for yourself. Want to save yourself a little money? Make sure you check our article: Spring Maintenance Tips to Protect Your home, which gives you some clues on things you can do right now to your home, apartment or condo that have the potential to reduce your home insurance premiums. If you wonder what the difference is between a condo and a homeowners insurance, you can find some answers here.

    We, at LNC Insurance Providers are a family owned insurance agency, in business for over a decade.  Our main office is in Miami, but we provide insurance cover throughout the state of Florida. As such we have a unique knowledge and experience of the challenges and realities of all aspects pertaining to Florida Insurance.

    Click here for a list of Florida top property & casualty insurance companies

    11 Pet Friendly Homeowners Insurance: Do Pets Drive Premiums Up?

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      Homeowners Insurance and Pets

      There are many factors to take into consideration when thinking about purchasing a Florida Homeowner Insurance Policy.  Here is one consideration that rarely goes into people’s minds when they are about to take the necessary steps to protect their homes: their pets.

      It’s a common mistake, after all how could your furry (or not-so-furry) friend affect your homeowners coverage? Yet insurance providers take this issue seriously and consider that your pet, however cute is well capable of causing damage to your property. It is an issue considered to be important enough that in some cases, an animal member of your household may be lead to an insurance denial altogether.

      Question: Do you want to know how to choose the best Florida Homeowners Insurance? The answers to that question are provided in our article aptly called: How Do I Choose The Best Homeowners Insurance?

       

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      Homeowners insurance and dogs

      Dogs are among the most common pets in the state of Florida. For all their admirable qualities, dogs are in fact the riskiest pets, if only because they can bite. In fact, according to the Centers for Disease Control and Prevention, in the continental United States of America, 4.5 million people suffer from dog bites each year, with about 900,000 requiring medical treatment. It falls to reason therefore to understand why insurance providers take such a measured approach to this issue.

      But before you start pulling your hair in despair, there is a silver lining in all of this: most homeowners insurance policies cover dog bites and other incidents where dogs re involved, even if that means that your homeowners insurance policy might cost you more.

      Dogs Companies Will Not Insure

      Believe it not, certain breeds have made it to insurance providers list of “bad breeds” and if you happen to own a dog from that list, you might very well have a challenge on your hands. The rule of thumbs on determining what breed is dangerous enough (in the eyes of the insurance providers) to be listed as a member of the “bad breeds”, consider this:

      If a dog can inflict serious damage from a single bite, then its breed may find itself on this list. Here is another consideration: the size of the dog is not always a determinant factor either.

      A study from the Applied Animal Behavior Science journal says that large dogs, often pigeonholed as the dangerous breeds, aren't any more likely to bite than small ones. Siberian Huskies and Greyhounds, to name a couple, scored as very calm dogs, and even pit bulls and Rottweilers registered average or below-average aggression. The tiny Dachshund, meanwhile, ranked as the journal's most-aggressive breed, with Chihuahuas coming in second. (ref: esurance.com)

      Be that as it may, here is a list of dogs that commonly referred to as “bad breeds” by insurance companies:

      • Akita
      • Alaskan Malamute
      • Chow Chow
      • Doberman
      • German Shepherd
      • Pit Bull
      • Rottweiler
      • Siberian Husky
      • Wolf Hybrid

      Notwithstanding the above, we encourage you to call your Florida Homeowners Insurance agent for any further clarification.

      Save Money on Homeowners' Insurance

      Call us now to find out how: 888-913-6988

      What about Exotic Pets?

      While most people choose a cat, dog, hamster or bird as their pet, some folks prefer more exotic animals. For example, over 10,000 big cats, and 3,000 apes, are privately owned in the US. These are not your ordinary tamed, domesticated animal and however mild mannered these are, they are still wild in nature and as a result wholly unpredictable.

      As such, it is extremely unlikely that any insurance company will cover them under their homeowners insurance policies. If a mountain lion happens to roam inside an enclosure in your backyard, your only option would be to look into exotic pet insurance as they are the only ones that will offer the sky high coverage capable of handling these wild creatures.

      Did you know?

      There are more captive tigers in the US than there are wild tigers on earth?

      Make Sure You Disclose Any Animal Your Own To Your Insurer

      Owning an animal is a big responsibility and requires special care and attention. Dogs, as a general rule, can impact any homeowners insurance coverage you seek and it is crucial that you don't hide the fact that you do own a dog, or any other animal from your insurer.

      Training your dog is one excellent way to ensure that you are taking your role as a responsible dog parent seriously. In fact, training is so important that some insurers might even give you a break, particularly if your dog gets a "Canine Good Citizen" certificate, obtainable from the AKC.

      Whether you own a pet or not, it is important that you get the right Florida Homeowners Insurance coverage for yourself. Want to save yourself a little money? Make sure you check our article: Spring Maintenance Tips to Protect Your home, which gives you some clues on things you can do right now to your home that have the potential to reduce your home insurance premiums. If you wonder what the difference is between a condo and a homeowners insurance, you can find some answers here.

      We, at LNC Insurance Providers are a family owned insurance agency, in business for over a decade.  Our main office is in Miami, but we provide insurance cover throughout the state of Florida. As such we have a unique knowledge and experience of the challenges and realities of all aspects pertaining to Florida Insurance.

      11 What You Need to Know About Your Florida Property Insurance

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        Florida Homeowners Insurance

        Homeowners insurance in Florida comes under the umbrella of Florida Property Insurance which makes the whole topic a lot more confusing than it should really be. Of course, the ultimate source of information regarding any insurance topic can only be your local insurance agency and for countless Florida residents, that can only mean LNC Insurance Providers.

        Being knowledgeable on the issue of Florida Property Insurance in advance of your calling one of our insurance brokers can of course better assist you in ensuring that you get the best possible coverage at the lowest price. And that is precisely what we aim to provide you.  The very best Florida Homeowners Insurance.

        Save Money on Homeowners' Insurance

        Call us now to find out how: 888-913-6988

        What Type of Residence Do You Live In?

        Florida Homeowners InsuranceIt’s a reasonable assumption that the more expensive a home might be, the move it will cost to repair/rebuild it when tragedy strikes. And thus, Florida Homeowners Insurance costs are largely driven by the type of home you live in. In Florida, homeowners typically live in any the following five types of residences:

        Being knowledgeable on the issue of Florida Property Insurance in advance of your calling one of our insurance brokers can of course better assist you in ensuring that you get the best possible coverage at the lowest price. And that is precisely what we aim to provide you.  The very best Florida Homeowners Insurance.

        • Condos
        • Townhomes
        • Traditional Homes
        • Rental Properties
        • Manufactured Homes

        Insuring either of the above falls under specific criteria and this is one of the topic of conversation you will have with one of our agents.

        Where Do You Live

        You’ve heard of the old say: “location, location, location”. And in the case of homeowners’ insurance, this piece of street wisdom has never been more accurate. Florida property insurance coverage, including homeowners’ insurance largely depends on where you live. Living by the ocean has its advantages and if you are lucky enough to live there, then you already know that the Florida coastline is always the landing area for any hurricane that might come our way.

        How old is your home

        Another logical truth about the cost of homeowners insurance is of course the age of the property you live in. This is particularly true in terms of new building codes that were introduced in the aftermath of hurricane Andrews. The age of the property is one of the factors insurance providers take into consideration.

        When was the last time you made a claim?

        Much like Florida Car Insurances, repeated claims will greatly impact the cost of insuring your home. As much as we all hate to admit it, insurance providers do take a calculated risk anytime they underwrite a policy, and repeated claims might place your insurance policy on a more expensive bracket.

        How is your home built?

        Another logical assumption: the type of material used in the building of your home greatly influences property insurance rates in Florida. For example, a fire, damaging as it can be can have a more pronounced effect on wooden homes than on brick houses. The take away from this is that a house build with bricks might significantly lower the property insurance costs.

        11 What is the difference between a condo & homeowners insurance

        Condo vs. Homeowners Insurance

        Let's put it this way.  Purchasing a home is one the most exciting things most people will ever get to do during their life time. Whether your new piece of heaven on this earth is coming in the form of a house or a condo doesn't change the excitement and thrill of finally moving into a place you finally own. Even if for a while, your lending bank will be the one as the principal of that deed of yours, the emotion is still the same.

        Owing a home brings with it its own sets of responsibilities and one thing we get asked a lot, here at LNC Insurance Providers agency is:

        Is there really a difference between a house and a condo in terms of insurance?

        The short answer to that question is that yes but before we get to the nitti gritty of it all, please make sure to read all about Florida Homeowner's Insurance, and that to do about break-ins. You might also want to familiarize yourself with what to look for when choosing the best homeowners insurance.

        Get a Condo Insurance Quote

        We tell you what to look for in a condo insurance

        Condos vs Houses: What sets one insurance coverage type from the other?

        If you own a house, then that means that you are usually responsible for both the outside and the inside of your home. What that really means is that you will need to plan for two types of coverage:

        1. One for the building of the house. Walls, windows, doors, roofs, garden shed, driveway etc...  Anything that you "see from the outside" as you look at your house.
        2. Homeowner's insurance which takes care of the belongings you put inside your house.

        A condo, on the other hand is a property that is part and parcel of a number of other properties which all fall under the responsibility of a condo association (HOA). In these types of development, owners share common areas and pay a monthly fee to their associations which typically ensures the outside of all the building within that community.

        1. If you own a condo, you are thus not required to purchase any insurance that would cover structural damages to the building in which your condo was built.
        2. You are however responsible for what is inside of you home which means homeowners insurance.

        Differences:

        If you own a house and someone falls in your garden, slips by the pool etc... you would need enough liability coverage to ensure that these types of eventualities are covered since they would fall under what is assumed as being your responsibility as a home owner.

        If you own a condo and a situation described above happens outside of your condo, then you would be held responsible.

        Similarities:

        Insuring personal belongings is the same whether you live in a house or a condo. Such protection would cover electronics, jewelry, furniture, clothing and any movable object with the confines of your home's walls.

        What you need to do:

        You'll need to make sure that you have enough protection to cover as much as possible of the total value of your belongings. Make sure you take a home inventory of everything you own inside your home and keep it in a safe place.  You might want to share it with your insurance agent to make sure you have enough coverage for all your stuff.

        11 How Do I Choose The Best Homeowners Insurance?

        New Home Owners Rarely Think About Homeowner's Insurance

        We see it all the time. It's taken months of preparation, pounds upon pounds of paper work, endless back and fort email exchange and finally, you get the phone call. Your loan has been approved, closing is next week!

        If you're a new home owner, then you know exactly what I mean! Applying for a mortgage can be one of the most stressful things people ever do in their lifetime.  The process takes its toll on everyone, and you've felt just about all the emotions under the sun. Elation, hope, despair, discouragement, hope again...  And then one day, you're finally there. Congratulations, you've made.  You're about to enter the circle of home owners. All there's left to do is sign a tons of papers. And as you sit in that conference room, all you can think about is getting out of there, and finally, finally go home.

        It's taken you months of hard work and during all this time the thought that you might need homeowners insurance rarely entered your mind.

        If hasn't, don't feel bad.  You're not the only one. So many new homeowners take possession of their new home without a plan in place should something happen.

        We have a lot of pertinent information about what you need to know about Florida Homeowner's Insurance.  Want to know if your insurance covers you in case of break-ins?

        Get a Homeowners Insurance Quote

        Quality coverage is what counts. LNC Insurance Providers can help you make the right choice

        Most lenders require that you have insurance

        In all likelihood, your loan would not have been approved without it. Mortgage companies typically ask for proof of coverage before funding or refinancing your home. It's a safety precaution as the lenders want to make sure that the financial investment they're about to make are secure. The amounts placed as replacement values typically cover the physical structure of a home. In other words, how much would it cost to re-build it. But what about your belongings. Would they be covered under the umbrella of your building coverage? Not necessarily. For that you might need to look into a homeowners insurance policy.

        What to look for when you shop for homeowners insurance?

        • Insure your home for its replacement value.
          Cost of construction materials do not stay fix and in most cases, go up with each passing year. In addition, take into consideration inflation.
        • Make sure you are aware of previous claims made on the property you now own.
        • Ask your insurance agent about the various options available to you.
        • Understand what your insurance policy covers.
        • Be aware that location is everything. Depending on where you live, your premium might have a 5% to 15% fluctuation in costs.
        • Include additional living expenses in your insurance policy.

        Your home is probably going to be the largest investment you'll ever make in your life. Make sure you are fully protected and don't hesitate to call us for advice. We'd be only too pleased to help you find the best homeowners insurance

         

        11 I have Homeowners Insurance. Am I covered against Break-Ins?

        Does My Insurance Cover Burglaries?

        Talking about insurance policies may not be the favorite pastime of most people, and for good reasons: who wants to talk about matters that could have a serious effect on a person's life and even future.  The problem with these types of discussions is that when they're served up at dinner time, it's usually too late.

        Take Florida homeowners insurance for example. You would be hard fetched to find a single person who genuinely believes that a policy of that nature is unnecessary. But in the event that you did, the world is wonderful canvass of personalities and characters after all, there may in fact come a time in that person's life where he or she might actually come to realize how wrong his or her prior conviction might have been on this subject.

        In the 2012 calendar year, Miami registered a 4,390 property crime rate per 100.000 people! Including burglaries, motor vehicle theft and larceny theft. .

        Homeowners Insurance May Help Cover Break-ins

        There are two types of policies that might be of use here:

        1. Personal Property Coverage
        2. Dwelling Coverage

        Note: The best way to find out where you stand in any insurance related discussion is to talk to the professionals. The folks at L & C Insurance Providers are the experts in this matter and will be able to answer all your questions and point you in the right direction.

        Whether you are in the market for a new Florida homeowner's insurance policy or you would like a professional to review an existing policy, Liz Fernandez and her team, at L & C Insurance Providers will be only too happy to help.

        L & C Insurance Providers in Florida shops all the major carriers to find the best policy and the best rate. Easy, Low-Cost and Worry Free.

        That's the L & C Insurance Providers Insurance promise.

        Find out how you can too can protect your home

        A homeowners insurance policy is the best way to protect and safeguard your home

        How Much Insurance Do I Need for Break-Ins?

        The answer to that important question depends on a number of factors. As a rule of thumb, a personal property coverage will depend on whether you have a:

        • - "Replacement cost" clause for your belongings. That that means that an insurance company would undertake to replace your belongings at today's market prices.
        • - "Actual cash value coverage" is a more affordable alternative in which an insurer deducts for depreciation so that you might not recoup the amount of money you originally paid for the lost item.

        When it comes to dwelling coverage, the aim is to to help pay to repair or replace burglary damages with material of equivalent quality.

        Are there limits? Yes! Most companies set a monetary limit to claims. The common practice is to cover possessions at 50 to 70 percent of the total amount of insurance you have on your home.

        What happens to jewelry or silverware? These items are usually grouped under a specific category where limits are also set. Jewelry coverage for example might be capped at $1000 or $2000.

        In conclusion, if someone breaks into your home and walked away with your TV, your personal property coverage would cover you and reimburse the cost of purchasing a new one. But if that burglar finds an expensive ring on your bedside table, and takes it, in all likelihood, you will only ever be reimbursed up to the sub-limit set by your insurer. Loss of expensive pieces of jewelry will result in out or your own pocket expenditure and it is important that take the necessary steps to protect your most valuable items.

        Deductible. Any policy, be it homeowners insurance or otherwise will include a deductible which you will be entirely responsible for. A scheduled personal property coverage clause might help reduce, or even eliminate that cost.

        Are you covered?

        When it comes to the protection of your home, quality coverage makes all the difference

        You're insured. What should you do next

        Congratulations. You have taken the first step. You insurance agent will have covered the various clauses in your insurance policy but taking stock of what you own is your responsibility.

        Make sure you keep a list of all your belongings, including taking pictures of each and everyone of them and keep this in a safe place. You'll want to include the type of item, the year of purchase and any other relevant information. Keep copies of receipts, purchase contracts and appraisal document as well.

        In a 2014 survey of more than 1000 homeowners conducted by Allstate, a staggering 40% stated that they had not made any assessment of the value of their possessions, nor kept any sort of documentation to that effect in the first place.

        You've been burglarized. Now what?

        The thing you have preparing for has unfortunately become reality. First thing to do is to report the burglary to the police. The next thing is to place a call to your insurance agent. You need to do this as soon as possible. (According to the Insurance Information Institute some insurance companies place a time limit on how long you can wait before filing a claim.

        Make emergency repairs. It is crucial that you protect your home from further damage. Replace broken windows, door locks damaged during the break-in.

        Many of customers feel that break-ins are the among the worst types of home invasions. If you are a victim of a burglary, hopefully you will have followed the advice as laid out on our website. You will have  called our agency and talked to one of our agents who would have helped you get the kind of insurance policy protection that fits your need.

        While it is impossible to fully replace all of the items that were stolen or broken during the burglary, a well written Florida Homeowners Insurance policy will enable you to get back on your feet as soon as possible.

        11 Homeowner’s Insurance in Florida. What You Need To Know

        Homeowner's Insurance, Florida

        Known for its pristine beaches, its tropical climate and tourist attractions, Florida is a wonderful place to call home. A place of residence for a melting pot of cultures, Florida has it all: a bristling night life, paradisiac vacation spots, international business hubs, gorgeous parks and so much more.

        Over 89.8 million tourists traveled to Florida, a staggering number given that just 21 million people actually live in the sunshine state.

        Florida Homeowner's Insurance

        In a state where mother nature can sometimes pummel properties with strong and sometime destructive storms, a house unprotected by an adequate homeowner's insurance policy is a recipe for disaster. This kind of insurance is not just one that gives owners peace of mind. It can also be a life saver by helpin pay to repair and or rebuild a home.

        As wonderful as life is is for Florida residents, savvy home owners are fully aware of the importance of homeowner's insurance and rely on the expert advice and premium service of Florida's preferred insurance agency:  L & C Insurance Providers.

        Florida Homeowners Insurance

        Whether you are in the market for a new Florida homeowner's insurance policy or you would like a professional to review an existing policy, Liz Fernandez and her team, at L & C Insurance Providers will be only too happy to help.

        L & C Insurance Providers in Florida shops all the major carriers to find the best policy and the best rate. Easy, Low-Cost and Worry Free.

        That's the L & C Insurance Providers Insurance promise.

        Find out how you can too can protect your home

        A homeowners insurance policy is the best way to protect and safeguard your home

        What does a standard Homeowner's Insurance Policy include?

        • Personal Property
        • Personal Liability ( in case of a claim about an injury or property damage to a third party)
        • Loss of Use/Extra living Expenses (if your home is unhabitable following a covered loss)
        • Dwelling
        • Other Structures (Detached garage, shed...)

        What happens if you own a condominium? Normally the condominium association covers any damage to the exterior of the property including roof, walls and the common areas.  The Important thing to understand is that is where the coverage stops.  The interior finish of your unit is only protected when you purchase an H06 Condo insurance policy. 

        The H06 Condo Insurance policy covers any damage to your walls, floors, bathrooms, kitchen.  It also provides coverage to your personal property items, like furniture, clothing, Electronics and appliances.   If we need this items to be covered it is imperative that we buy an H06 Condo Insurance policy.

        What about wind or windstorm insurance?

        A professionally drawn insurance policy will usually ensure that both wind and windstorm coverage are included in the homeowner's insurance.

        Given that Florida is susceptible to hurricane force winds and or tropical storm on a regular basis, it is important to consider protecting your home with wind breakers, tropical resistant shutters etc...

        Older homes, build before the onslaught of hurricane Andrew in 1992 are more vulnerable to wind damage than modern, post Andrew's new building code homes.

        If you own such a home, in addition to the recommended shutters, it might be a good idea to replace the windows with impact glasses, change old doors etc...

        Upgrading your home is such a way is an investment that may cost you an initial outlay. But if you consider the savings in premium per year, it is usually accepted that a couple of years are all it takes to recoup any initial investment.

        What about Flood Insurance

        If you live in Florida, you probably already know if your home is located in a flood zone. Insuring that you are covered for flood insurance is certainly a question you should ask Liz. A flood policy is not normally covered under the homeowner's insurance or content policy.

        A great number of claims are made due to flood damages

        What if you don't live in a flood zone? There are several types of flooding. The first one is the result of a tropical storm of a hurricane that produces a tidal surge.  Another type is caused by water having nowhere to go during heavy and rapid rainfall. This produces a water bottle neck which may spread to homes nearby.

        What about costs?

        When it comes to annual premiums for homeowners insurance, Florida ranks as one of the more expensive states in the country. But premiums vary from location to location and even from one policy to another.  The determining factors in estimating the cost of homeowners insurance for your own home depend on the size of your home, your assets and of course your address.

        Florida Homeowners Insurance Cost Comparison
        (You can sort both the cities and costs columns in the order of your choice)

        Cities Cost
        Jacksonville $775
        Miami $1.950
        Tampa $803
        St. Petersburg $824
        Orlando $641
        Hialeah $1.875
        Tallahassee $749
        Fort Lauderdale $1.749
        Port St. Lucie $1.157
        Pembroke Pines $1.743
        Cape Coral $791
        Hollywood $1.937
        Gainesville $624
        Miramar $1.605
        Coral Springs $1.698
        Clearwater $1.213
        Miami Gardens $1.730
        Palm Bay $739
        West Palm Beach $1.489
        Pompano Beach $1.509
        Lakeland $1.114
        Davie town $1.698
        Miami Beach $1.975
        Deltona $739
        Plantation $1.650
        Sunrise $1.932
        Boca Raton $1.917
        Largo $1.009
        Melbourne $1.015
        Palm Coast $632
        Deerfield Beach $1.703
        Boynton Beach $1.624
        Lauderhill $1.586
        Weston $1.502
        Fort Myers $809