Protect your investment with a Homeowners insurance policy.
Compare Multiple Rates in minutes to get the biggest savings!
Welcome to the easiest place to get homeowners insurance in Florida
Call us or request a homeowners insurance quote online, tell us a little about your home, and we’ll compare rates and coverage from just about every company that writes homeowners insurance in Florida.
It should be that easy everywhere, but it’s not. Here’s how we make it easier — and why it matters:
We have access to nearly every top-rated Florida carrier so you don’t have to shop around.
We understand Florida’s unique risks — hurricanes, flood zones, and rising rebuild costs.
Our Reshop Team reviews every renewal to keep your rate competitive year after year.
You’ll always talk to the same dedicated team — never a call center.
Protecting your Florida home shouldn’t be complicated — and with us, it isn’t.
Get a Free Quote Today!
With Most of Our Carriers We Offer
No home inspection required with select carriers
Some companies require expensive inspections before binding coverage. With our carriers, many homes qualify without an inspection, saving you $150–$300 upfront — money that can go straight toward lowering your premium.
Roof replacement coverage without depreciation
Many insurers pay only the depreciated value of your roof (sometimes pennies on the dollar). With our carriers, if your roof qualifies, you can choose Replacement Cost coverage — which means if your roof is damaged in a covered claim, you get the full cost to replace it, not the depreciated amount.
For example: if your 12-year-old roof costs $20,000 to replace but is only “worth” $8,000 today, some carriers would only give you $8,000. Our replacement option pays the full $20,000. That’s $12,000 more in your pocket.
Extended replacement cost for your home
Standard policies may cap your dwelling limit, even if rebuilding costs more due to inflation, materials, or labor spikes after hurricanes. We have carriers that offer 25%–50% extended replacement cost coverage — ensuring your home can be fully rebuilt even if costs rise dramatically.
Water backup coverage
Did you know standard homeowners policies don’t always cover water damage from backed-up sewers or drains? We can add Water Backup coverage that pays for cleanup, repairs, and replacing damaged property.
Ordinance or law coverage
If your home is damaged and local building codes require upgrades during repairs, we’ve got you covered. Ordinance or law coverage pays for these code upgrades — which could save you thousands.
Personal property replacement cost
Instead of getting paid the depreciated value of your belongings, we can set you up with Replacement Cost coverage so you get new for old on furniture, clothes, electronics, and more.
Loss of use (additional living expenses)
If a covered claim forces you out of your home, we’ll cover hotel bills, meals, and living expenses while your home is being repaired or rebuilt.
Liability protection (on and off your property)
Our homeowners insurance includes personal liability coverage to protect you against lawsuits if someone is injured at your home — or even away from home in certain cases.
Hurricane and windstorm coverage
Living in Florida, hurricane coverage is critical. We’ll make sure your policy includes windstorm and hurricane protection so you’re not left exposed when the big storms come.
Flood insurance options
Homeowners policies typically exclude flood — but we can quote private flood or NFIP options so you’re covered against rising water.
Discounts you can qualify for
Multi-Policy Bundle (auto, boat, flood, umbrella)
New Roof / Roof Shape Credits
Wind Mitigation Credits (impact windows, shutters, fortified roofs)
Claim-Free / Loss-Free Discounts
Security & Smart Home Devices
Gated Community / HOA Security
Senior / Retiree Savings
Discounts we offer:
Multi-Policy – Bundle & save
New Roof – Lower rates
New Home – Newer builds save
System Updates – Plumbing, HVAC, electric
Security Alarm – Monitored protection
Water-Leak Sensors – Auto shutoff savings
Hurricane Shutters/Impact Glass – Windstorm credits
Gated Community – Added security
Claim-Free – Rewards for no claims
New Buyer/Prior Insurance – Stay insured, save more
Senior/Retiree – 55+ discount
Count on Florida-Homeowners-Insurance-quotes.com to connect you with the best Insurers for maximum savings and the best coverage options for your home .
Whether you’re buying a new home or just simply looking to save money on homeowners insurance, you can depend on us to help you find the best coverage at an affordable price. Our partners offer flexible payment options, and reliable customer service. We connect you with A rated insures to help protect your personal liability and belongings. Cut down on paperwork and hassle of having to make multiple calls or trips to an insurance agent to compare rates. With our simple online process we do all the work for you free of charge. You deserve peace of mind when it comes to your home. Grab a free homeowner’s insurance quote and speak with an agent today to get started. We embrace a convenient, smart approach to the insurance process, with innovative online technology and tools that make it easy to get a quote and manage your policy, and some of the most affordable homeowner’s insurance rates around. floridaboatinsurancequotes.com has been in the insurance industry for more than 25 years. We have verified partners who deal with “A+” rated companies, which means they’ll have your back if you need to file a claim.
Sample Homeowners Insurance Rates By County (Florida Only Based on $300,000 of Coverage )
| County | Annual Rate | Monthly | Weekly |
|---|---|---|---|
| Alachua | $1,285 | $107.08 | $24.71 |
| Baker | $1,760 | $146.67 | $33.85 |
| Bay | $2,422 | $201.83 | $46.58 |
| Bradford | $1,311 | $109.25 | $25.21 |
| Brevard | $2,313 | $192.75 | $44.48 |
| Broward | $5,296 | $441.33 | $101.85 |
| Calhoun | $1,738 | $144.83 | $33.42 |
| Charlotte | $2,110 | $175.83 | $40.58 |
| Citrus | $2,037 | $169.75 | $39.17 |
| Clay | $1,392 | $116.00 | $26.77 |
| Collier | $2,298 | $191.50 | $44.19 |
| Columbia | $1,784 | $148.67 | $34.31 |
| Dade | $6,353 | $529.42 | $122.17 |
| DeSoto | $1,631 | $135.92 | $31.37 |
| Dixie | $1,489 | $124.08 | $28.63 |
| Duval | $1,868 | $155.67 | $35.92 |
| Escambia | $2,560 | $213.33 | $49.23 |
| Flagler | $1,529 | $127.42 | $29.40 |
| Franklin | $3,250 | $270.83 | $62.50 |
| Gadsden | $1,705 | $142.08 | $32.79 |
| Gilchrist | $1,369 | $114.08 | $26.33 |
| Glades | $1,843 | $153.58 | $35.44 |
| Gulf | $1,994 | $166.17 | $38.35 |
| Hamilton | $1,680 | $140.00 | $32.31 |
| Hardee | $1,796 | $149.67 | $34.54 |
| Hendry | $1,933 | $161.08 | $37.17 |
| Hernando | $2,156 | $179.67 | $41.46 |
| Highlands | $1,619 | $134.92 | $31.13 |
| Hillsborough | $2,651 | $220.92 | $50.98 |
| Holmes | $1,888 | $157.33 | $36.31 |
| Indian River | $2,875 | $239.58 | $55.29 |
| Jackson | $1,663 | $138.58 | $31.98 |
| Jefferson | $1,768 | $147.33 | $34.00 |
| Lafayette | $1,794 | $149.50 | $34.50 |
| Lake | $1,565 | $130.42 | $30.10 |
| Lee | $2,090 | $174.17 | $40.19 |
| Leon | $1,215 | $101.25 | $23.37 |
| Levy | $1,739 | $144.92 | $33.44 |
| Liberty | $1,783 | $148.58 | $34.29 |
| Madison | $1,719 | $143.25 | $33.06 |
| Manatee | $2,033 | $169.42 | $39.10 |
| Marion | $1,600 | $133.33 | $30.77 |
| Martin | $3,428 | $285.67 | $65.92 |
| Monroe | $5,482 | $456.83 | $105.42 |
| Nassau | $1,893 | $157.75 | $36.40 |
| Okaloosa | $2,542 | $211.83 | $48.88 |
| Okeechobee | $1,855 | $154.58 | $35.67 |
| Orange | $2,018 | $168.17 | $38.81 |
| Osceola | $2,411 | $200.92 | $46.37 |
| Palm Beach | $4,265 | $355.42 | $82.02 |
| Pasco | $2,401 | $200.08 | $46.17 |
| Pinellas | $2,419 | $201.58 | $46.52 |
| Polk | $1,896 | $158.00 | $36.46 |
| Putnam | $1,229 | $102.42 | $23.63 |
| Santa Rosa | $2,494 | $207.83 | $47.96 |
| Sarasota | $2,068 | $172.33 | $39.77 |
| Seminole | $2,102 | $175.17 | $40.42 |
| St. Johns | $1,940 | $161.67 | $37.31 |
| St. Lucie | $3,215 | $267.92 | $61.83 |
| Sumter | $1,435 | $119.58 | $27.60 |
| Suwannee | $1,752 | $146.00 | $33.69 |
| Taylor | $2,252 | $187.67 | $43.31 |
| Union | $1,420 | $118.33 | $27.31 |
| Volusia | $1,861 | $155.08 | $35.79 |
| Wakulla | $2,253 | $187.75 | $43.33 |
| Walton | $2,089 | $174.08 | $40.17 |
| Washington | $1,762 | $146.83 | $33.88 |
Disclaimer: This information is intended to be used for illustrative purposes only and does not constitute an endorsement or recommendation of any particular insurance company or plan by floridaboatinsurancequotes.com or its partners. Furthermore, floridaboatinsurancequotes.com DOES NOT imply or guarantee that a company will sell insurance at the stated premium. Please verify all premium rates with the applicable carrier.
