Florida home insurance

Do not shop the premium before you understand the storm math.

In Florida, a home quote needs the roof story, wind story, flood story, deductible story, and sometimes the Citizens story.

First pass

Make the quote file before you compare prices.

Policy

Separate the home policy from the flood question

Florida's insurance regulator has homeowner insurance resources, but flood still needs its own answer. A wind claim and a flood claim may not live in the same policy.

Florida OIR homeowners insurance

Quotes

Compare the same house, not just the cheapest number

OIR's CHOICES tool gives sample average rates. For your house, compare deductibles, roof facts, wind coverage, exclusions, and what proof each company wants.

OIR CHOICES

Wind

Put the wind form in the quote file

Florida DFS keeps mitigation forms and inspection guidance. Send the completed inspection form to the insurer, and ask what discount or underwriting answer it changes.

DFS mitigation forms

Market

Treat Citizens as an eligibility question

Citizens is Florida's insurer of last resort. New or renewing policies have eligibility rules, so ask your agent why that path is open or closed for the home.

Citizens get a policy

Easy trap

Wind and flood are different questions.

A hurricane can bring both. The home policy, flood policy, and deductible language need to be read side by side.

Easy trap

A mitigation inspection is not automatic savings.

The form gives the insurer facts to review. Ask what credit, coverage, or underwriting decision changes after the form is filed.

Easy trap

A low premium can hide a hard deductible.

Read the hurricane deductible before storm season. A cheaper annual number may not feel cheaper after a named storm.

Neighbor answer

The better quote is the one you can explain.

Ask what the policy covers, what it excludes, what the hurricane deductible does, what flood coverage would cost, what roof or wind documents matter, and whether Citizens is being used because of eligibility rules. If My Safe Florida Home or another mitigation program is open, check the current program page before planning around it.

Compare sample rates Flood planner

Official checks

Sources used for this page

Last checked June 29, 2026. Use OIR, DFS, Citizens, My Safe Florida Home, your agent, your lender, your policy, and your insurer before you rely on a premium, deductible, credit, grant, or coverage answer.

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