Sep 4 2017

The 4 Best Florida Homeowners Insurance Companies – The Simple Dollar #homeowners #insurance #pasco #county


The 4 Best Florida Homeowners Insurance Companies

Finding affordable homeowner’s insurance in Florida is no easy task: With an average annual premium of $2,084 (nearly double the the national average of $1,034), Florida has the highest home insurance rates of any state in the United States. This shouldn’t come as too much of a surprise considering Florida s coastal geography and the increased likelihood of property damage due to hurricanes and floods.

Despite all this, there are still factors that can reduce what you ll pay for home insurance in Florida the physical location of the property, the age and condition of the home, and, of course, the insurance provider you choose will all have a significant impact on your monthly payment.

Find the Best Home Insurance Rates

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Read on to learn about the best Florida homeowners insurance companies, and use the quote tool above to gauge realistic prices and compare rates in your area. It s an interesting state because many of the big name national providers choose not to operate in Florida. That s even more of a reason to get quotes and see what companies can provide insurance to you.

Citizen’s Property Insurance Corporation

Citizen’s Property Insurance is a not-for-profit, tax-exempt government entity that was established to provide insurance to Florida residents who are unable to find private coverage. With an A rating from A.M. Best, a 4-star grade from, a 4 out of 5 rating for financial strength and 4.6 rating for affordability of policy rates, Citizen’s Property Insurance is a top choice for Florida homeowners.

The company offers ample discounts on policy premiums, including breaks for complying with Florida Building Codes, installing storm shutters and impact-resistant windows and doors, and having fire alarms and burglar alarm systems. Citizen’s also provides helpful Florida-specific resources on their website, such as disaster safety and prevention education to help homeowners stay aware and protected.

Universal Property Casualty

Universal’s online presence isn t as strong as some of the other companies that dominate the Florida home insurance market, but it makes up for that by offering some of the lowest rates compared to its competitors. The company’s average annual insurance premium for a home in Florida comes out to roughly $1,500 or more than $400 less than the state average.

Universal prides itself on its superior customer service, with guaranteed assistance from a real person. During times of natural disaster or catastrophe, this promise may be harder to achieve, but Universal still allows policyholders to file claims 24/7 by rerouting them through an efficient automated system and having representatives reconnect with them.

St. Johns Insurance

St. Johns is a privately held Florida company that specializes in homeowners insurance products. Unlike other insurance companies that offer homeowners insurance as one of several services, St. Johns exclusively provides property coverage.

Though you can expect high level of expertise from a company with such a specialized focus, policyholders are unable to benefit from multi-policy discounts that larger, more diversified companies can offer.

However, St. Johns boasts an A rating in financial stability from Demotech, Inc. excellent customer service, and competitive pricing for their policies, making them a top provider of Florida home insurance. Check out the products and services St. Johns has to offer by visiting their website and using the “Find an Agent” feature to consult with an agent near you.


Safeway’s company motto, Safe Sure, sums up their attitude toward homeowners insurance coverage. Rated an “A” by A.M. Best and Demotech, Safeway is a reliable go-to for home insurance.

Their policy is straightforward and easy to understand, with coverage that repairs or replaces your home, garage, shed, or personal property, and pays your living costs in the event you need to relocate temporarily because your home is uninhabitable. Safeway also covers personal liability and medical expenses for any visitors injured in your home.

Keeping with their simple and straightforward theme, Safeway doesn’t offer many other resources or information on their website. However, finding an agent to speak to about a policy tailored to your needs is as easy as entering your address.

Find the Best Home Insurance Rates

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

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