State Farm, Nationwide, Chubb, Florida Peninsula and ASI are the best home insurance companies in Florida. Nationwide leads in coverage options, State Farm is the most affordable, and Chubb excels in customer service. Compare all our top picks below.
Best Homeowners Insurance in Florida
Updated: June 23, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in Florida are State Farm, Nationwide and Chubb.
State Farm offers the best overall home insurance for most Florida homeowners. For those with specific needs, such as bad credit, State Farm remains the top choice.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Florida?
| State Farm | 93 | 1 | 2 | 4 |
| Nationwide | 78 | 3 | 3 | 1 |
| Chubb | 68 | 5 | 1 | 2 |
| Florida Peninsula Insurance | 68 | 4 | 4 | 3 |
| ASI | 65 | 2 | 5 | 5 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
While our rankings reflect the best overall providers, the best option for you may differ based on your home type or personal needs. Below, we highlight the top insurers across major categories.
| State Farm | 93 | Overall |
| State Farm | 93 | Older Homes |
| State Farm | 93 | Newer Homes |
| State Farm | 93 | High-Fire-Risk Areas |
| State Farm | 93 | Bad Credit |
| State Farm | 93 | With Claims History |
Best Florida Home Insurance by City
Home insurance provider rankings in Florida cities vary widely based on affordability, local customer service and available add-on coverage options. For instance, State Farm ranks best in Boca Raton and many other cities, while Allstate tops the list in Jacksonville. To help you choose the best provider for your location, we've outlined the top overall options for each city.
| Boca Raton | State Farm | 93 |
| Brandon | State Farm | 93 |
| Cape Coral | State Farm | 93 |
| Clearwater | State Farm | 93 |
| Coral Springs | State Farm | 93 |
| Davie | State Farm | 93 |
| Fort Lauderdale | State Farm | 93 |
| Fort Myers | State Farm | 93 |
| Gainesville | State Farm | 93 |
| Hialeah | State Farm | 93 |
| Hollywood | State Farm | 93 |
| Jacksonville | Allstate | 86 |
| Lakeland | State Farm | 93 |
| Lehigh Acres | State Farm | 93 |
| Miami | State Farm | 93 |
| Miami Gardens | State Farm | 93 |
| Miramar | State Farm | 93 |
| Ocala | State Farm | 91 |
| Orlando | State Farm | 93 |
| Palm Bay | State Farm | 93 |
| Pembroke Pines | State Farm | 93 |
| Pensacola | State Farm | 93 |
| Pompano Beach | State Farm | 93 |
| Port St. Lucie | State Farm | 93 |
| Spring Hill | State Farm | 93 |
| St. Petersburg | State Farm | 93 |
| Tallahassee | State Farm | 93 |
| Tampa | State Farm | 91 |
| West Palm Beach | State Farm | 93 |
Best Florida Home Insurance Reviews
Explore our top home insurance picks in Florida in terms of affordability, customer service and coverage options.
State Farm: Best for Affordability
State Farm is the cheapest overall provider in Florida for most homeowners and is the best choice for all of the categories in our study. State Farm also scored well in terms of customer service, earning the seventh spot for customer satisfaction according to J.D. Power. Customers can take advantage of the provider's unique coverage offerings, including extended replacement cost reimbursement that covers potential increases in repair costs.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
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Claims History:Claim free for 5+ years
| Newer Homes in High-Fire-Risk Areas | $168 | $2,010 |
| Newer Homes | $168 | $2,010 |
| Older Homes | $432 | $5,185 |
| Older Homes in High-Fire-Risk Areas | $432 | $5,185 |
Chubb: Best for Customer Service
Although Chubb is the most expensive provider on our list, it leads in customer service among Florida home insurance companies. It holds the top claims handling score and customer satisfaction score, according to J.D. Power. Chubb also offers a wide selection of add-on opportunities such as its Masterpiece coverage and a cash settlement option, making it a strong choice for high-value homes.
Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
Claims History:1 claim in past 5 years
| Newer Homes in High-Fire-Risk Areas | $188 | $2,254 |
| Newer Homes | $188 | $2,254 |
| Older Homes in High-Fire-Risk Areas | $282 | $3,380 |
| Older Homes | $282 | $3,380 |
Nationwide: Best for Coverage
Nationwide may not be the most affordable option for home insurance in Florida, but it is the best in terms of coverage options. Customers can take advantage of the provider's Better Roof Replacement and Brand New Belongings coverages. Nationwide is also strongly rated by J.D. Power, ranking eighth overall and fifth for claims handling.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
| Newer Homes | $211 | $2,537 |
| Newer Homes in High-Fire-Risk Areas | $218 | $2,617 |
| Older Homes | $472 | $5,667 |
| Older Homes in High-Fire-Risk Areas | $487 | $5,845 |
How to Find the Best Home Insurance in Florida
Finding the right home insurance can be challenging. We've created a step-by-step guide to help you find the coverage that suits you best.
- 1
Determine Your Coverage Needs
Before choosing a home insurance policy, decide on the coverage level you need. Assess your home's value, the personal belongings inside, and local risk factors that might affect your coverage.
- 2
Research Costs and Discounts
Figure out how much home insurance costs in Florida to see if providers truly offer savings. Also, check for discounts you qualify for to maximize your savings.
- 3
Find the Best Providers for You
After researching coverage and costs, narrow your search for the best and cheapest home insurance in Florida. Use available guides and your own research to evaluate customer service ratings, pricing specific to your needs, and suitable coverage add-ons.
- 4
Compare Multiple Providers Through All Means
With your research complete, compare providers to find the best option. Ensure you compare quotes on an apples-to-apples basis for accuracy. Get quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.
Best Homeowners Insurance in Florida: Bottom Line
State Farm, Nationwide and Chubb are the best-rated homeowners insurance providers in Florida. Still, researching and comparing options yourself can help you find the right insurer for your specific needs.
Best Home Insurance in Florida: FAQ
Explore our FAQ section to find answers on selecting a reliable home insurance provider in Florida.
Which company is best for home insurance in Florida?
State Farm is the best homeowners insurance provider in Florida because of its top affordability, excellent customer service and comprehensive add-on coverage. Nationwide, Chubb, Florida Peninsula and ASI are also top-rated in Florida.
Who has the most affordable homeowners insurance in Florida?
Finding the most affordable homeowners insurance in Florida depends on individual factors like location and home details. However, the average cost of home insurance in Florida is $3,643 annually.
How do you get the best homeowners insurance in Florida?
To find the best home insurance in Florida, determine your coverage needs, examine costs and providers, and compare multiple quotes.
How We Decided the Best Home Insurance in Florida: Our Methodology
We rated the best homeowners insurance providers in Florida using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.