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The typical home insurance policy in some of the lowest costing areas costs $1,194 each year — that’s $939 less than the statewide average. Reference the below table to see the cheapest cities in Florida for home insurance.
Insurance companies offer very affordable home insurance in Florida As low as $535 per year. This compares favorably to the state average rate of $2,133, offering a $1,598 discount on average statewide homeowners insurance costs.
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Spring Hill $1,194.48
Palm Bay $1,564.89
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Florida homeowners insurance FAQs
Given the propensity for extreme weather events, Florida is a very risky state in which to sell insurance. As such, many providers charge higher rates to offset the risk of insuring properties in Florida.
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