homeowners insurance florida

Best Homeowners Insurance in Florida 2025: Costs, Coverage, and Top Companies Compared

If you’re searching for homeowners insurance Florida or wondering which homeowner insurance company is right for you, you’re not alone. Florida homeowners face some of the highest insurance costs in the country. Between hurricanes, flooding, and wind damage, it’s natural to feel uncertain about whether your coverage is enough—or if you’re even paying a fair price.

At ProLines Insurance Agency, we understand how confusing it can feel to shop for the best homeowners insurance in Florida. That’s why we’ve built a process that puts clarity and confidence back into your hands.

Why Homeowners Insurance in Florida Matters

Unlike some states, Florida homeowners face unique risks that drive up premiums and limit coverage options. Even though home insurance Florida is not required by law (Florida CFO), your mortgage lender will almost always require it. But beyond that—imagine the financial hit of repairing your home after a hurricane, replacing stolen belongings, or paying liability claims out of pocket.

That’s why Florida homeowners insurance isn’t just paperwork—it’s peace of mind.

What’s Actually Covered in Florida Homeowners Insurance?

A typical homeowners insurance in Florida policy protects you in multiple ways:

  • Dwelling Coverage – Pays to repair or rebuild your home if damaged by fire, wind, or other covered perils.
  • Personal Property – Covers your belongings like furniture, electronics, and appliances.
  • Liability Protection – Protects you if someone gets hurt on your property.
  • Loss of Use – Helps cover living expenses if you’re forced to move out during repairs.

But here’s the catch: not all policies are the same. Optional coverages like flood insurance and hurricane deductibles can make a huge difference. Our job is to make sure your Florida home insurance isn’t leaving you exposed to risk.

How Much Is Homeowners Insurance in Florida?

This is the question every homeowner asks first: how much is homeowners insurance in Florida?

The truth: it depends on your location, home value, and coverage. On average, homeowners pay $5,000 to $10,000 per year.

  • If you’re asking, how much is homeowners insurance on a $400,000 house in Florida?—you can expect costs between $7,000 and $12,000 annually, especially in coastal areas.

Yes, it’s expensive. But working with the right homeowner insurance company means you’ll avoid overpaying while still getting strong coverage.

Can You Even Get Homeowners Insurance in Florida?

You’ve probably heard the news: insurers pulling out of the state, rates skyrocketing, and homeowners struggling to find coverage. So you may wonder: can you get homeowners insurance in Florida?

The answer is yes. We work with top-rated carriers like State Farm homeowners insurance Florida, along with other national and regional providers. And if private coverage isn’t available in your area, the state-backed Citizens Property Insurance Corporation Citizens Florida ensures you’re never left without an option.

Do You Have to Have Homeowners Insurance in Florida?

Here’s another common question: Is homeowners insurance required in Florida?

  • By state law: No, it’s not required Florida Legislature.
  • By mortgage lenders: Yes, absolutely. If you finance your home, your lender will require coverage to protect their investment.

So while you could technically go without coverage, it would be financially risky—and in most cases, not even possible if you have a loan.

Why ProLines Insurance Agency?

Here’s where most homeowners feel stuck: you could spend hours comparing policies online, get lost in confusing terms like ACV vs RCV, or worse—pick the cheapest option only to discover later it doesn’t actually protect you.

At ProLines Insurance Agency, we do the hard work for you.

  • We compare quotes across multiple carriers.
  • We explain your options in plain language.
  • We help you choose the right balance of coverage and cost.
  • We’re local—we understand the realities of Florida homeowners insurance better than a call center hundreds of miles away.

When you work with us, you’re not just buying a policy. You’re partnering with a team that actually cares whether your home is properly protected.

FAQs About Florida Home Insurance

Q: How much is homeowners insurance in Florida?
A: Expect $5,000 – $10,000 per year, depending on where you live and how much coverage you need.

Q: How much is homeowners insurance on a $400,000 house in Florida?
A: Typically between $7,000 – $12,000 annually, depending on coastal risks and coverage choices.

Q: Can you get homeowners insurance in Florida?
A: Yes, through private carriers or through Citizens Property Insurance Corporation if private insurance is not available.

Q: Do you have to have homeowners insurance in Florida?
A: State law doesn’t require it, but lenders do. And going without it leaves you financially vulnerable.

Q: Is homeowners insurance required in Florida?
A: Not legally required by the state, but practically required if you have a mortgage.

Get a Quote Today

At the end of the day, homeowners insurance isn’t just about checking a box—it’s about protecting your biggest investment and making sure you and your family can recover if the unexpected happens.

Whether you’re comparing the best homeowners insurance in Florida, checking rates on a $400,000 house, or simply trying to understand your options, ProLines Insurance Agency is here to help.

Your home deserves the right coverage. Let us help you find it.