Florida home insurance

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Sunny beach in Miami

Florida homeowners insurance coverage

Need home insurance in Florida? Whether you live in the panhandle or the keys, Liberty Mutual can help you protect your investment with affordable home insurance. From insuring for property damage to covering your belongings, we customize your Florida homeowners insurance coverage so you only pay for what you need.

What types of homeowners insurance coverages are recommended in Florida?

The following insurance coverage comes standard with any homeowners policy:

Note that most tornado damage is generally covered under these standard coverage policies.

The following insurance coverages are recommended for homeowners in Florida:

  • Flood insurance: Homeowners insurance generally does not cover damage caused by floods, which can be a significant problem for Florida coast to coast, anytime of year. Keep in mind that even if you are not in a flood zone, flooding frequently occurs outside of flood risk areas.

    Liberty Mutual offers flood insurance in partnership with the National Flood Insurance Program (NFIP) under the Federal Emergency Management Agency (FEMA). While flood insurance needs to be purchased separately and is often optional, it may be required to secure a home loan if you live in a high-risk flood area.

  • Personal property replacement cost: If your belongings are lost or damaged in a covered loss such as from theft or a fire, this coverage will cover the cost of brand-new replacement items.

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The following optional homeowners insurance coverages should be considered by all homeowners in Florida:

  • Blanket Jewelry
  • Escape of Water
  • Inflation protection

Is homeowners insurance required by law in Florida?

No, homeowners insurance isn't required by law in Florida, but your mortgage company will most likely require it in order to get a loan.

What is the average cost of homeowners insurance in Florida?

The average cost of homeowners insurance in Florida is $1,975 per year according to NerdWallet.2 That's 12% higher than the national average. However, this rate may be higher or lower for you depending on the value and age of your home, the coverage you select, your claims history, and a wide variety of other factors.

Still unsure about your homeowners insurance policy options?

Tell us your zip code and we'll suggest coverage options that may be a good fit for where you live in Florida.

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Discounts that help you save

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Online Purchase Discount

You could save instantly when you purchase your policy online.
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Bundle and Save

You could save $947 on customized auto and home insurance.
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Newly Purchased Home

Congrats on your new home! Enjoy some celebratory savings with your policy.

Florida insurance agents near me

Liberty Mutual Offices in Florida

Ready to start a homeowners quote online?

Get a quote in minutes. Here’s what you’ll need:

  • Basic information about your property
  • Basic information about you, any co-owners, and occupants
  • Ownership or mortgage status
  • Details about your home’s construction and any safety features
  • If you have an existing homeowners insurance policy

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1Depending on where you live, you may be able to opt out of this coverage if you participate in your state’s FAIR insurance plan for high-risk areas.
2https://www.nerdwallet.com/article/insurance/average-homeowners-insurance-cost
3Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.