The Best Homeowners Insurance in Florida

Homeowners insurance in Florida has become more expensive and sometimes harder to get. Major insurers like Farmers Insurance have stopped writing new homeowners policies in the Sunshine State due to rising losses from hurricanes and other natural disasters. However, several companies still stand out for their coverage in Florida.

CNBC Select reviewed the top picks for Florida homeowners insurance based on cost, coverage, and service to make your search easier. (See our methodology for more information on how we chose the best Florida homeowners insurance companies).

Who’s this for? For those wanting homeowners insurance with the ability to bundle their policies, State Farm offers coverage for Florida homes.

Standout benefits: State Farm received high ratings for customer service in J.D. Power’s home insurance study and a relatively low complaint index, according to the National Association of Insurance Commissioners (NAIC) database. It also offers many optional add-on coverages, making State Farm policies highly customizable.

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Who’s this for? Florida homeowners prioritizing value can find affordable coverage with Tower Hill Exchange.

Standout benefits: Tower Hill offers several discounts for having an auto insurance policy with Safeco, as well as discounts for those living in gated communities or senior communities and those who have installed wind mitigation features.

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Who’s this for? Liberty Mutual offers numerous discounts, including a 10% discount for purchasing your policy online and a discount for remaining claim-free for at least three years.

Standout benefits: The company also offers auto insurance which could be a plus for those wanting to keep their auto and home insurance policies under one company. Liberty Mutual also offers flood insurance through the National Flood Insurance Program (NFIP).

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State Farm is a trusted name in the insurance space. With decades of experience, it has become one of the largest homeowners insurance companies in the U.S. Just note that quotes are unavailable online in Florida so you must go through a local State Farm agent.

Average cost in Miami-Dade County

$4,480

Average cost in Orange County

$2,084

Average cost in Palm Beach County

$3,621

Average cost in Hillsborough County

$2,521

Average cost in Broward County
$4,114

NAIC Complaint Index

0.68, below average

Tower Hill is headquartered in Gainesville, Florida, and has been offering homeowners coverage in the Sunshine State for over 50 years. The company has expanded into over a dozen other states, including Texas, Georgia, Mississippi, and South Carolina.

Average cost in Miami-Dade County

$3,134

Average cost in Orange County

$1,066

Average cost in Palm Beach County

$2,180

Average cost in Hillsborough County

$1,376

Average cost in Broward County
$3,089

NAIC Complaint Index

1.66, above average

Liberty Mutual has been helping cover Americans for the past 100 years and has become a trusted name for homeowners insurance, including in Florida.

Average cost in Miami-Dade County

$3,487

Average cost in Orange County

$1,817

Average cost in Palm Beach County

$2,672

Average cost in Hillsborough County

$1,998

Average cost in Broward County
$2,828