Homeowners Insurance in Florida
Home insurance that’s built for real life. From beachfront homes in Miami to suburban neighborhoods outside Orlando, your home, your stuff, and your liability, covered. Whatever Florida throws at it, you’re set.
What does homeowners insurance cover in Florida?
A standard Florida homeowners policy covers your home, your stuff, your liability, and your living costs if something goes seriously wrong. Here are the different
types of coverages included in your policy.
Dwelling
If your home is damaged by a covered event, your policy covers the cost to reconstruct your house – walls, roof, and built-in fixtures included.
Personal property
If your stuff gets stolen or damaged by a covered peril, your policy covers the cost to replace it – yes, even if it happens away from home.
Other structures
If a covered event damages structures on your property that aren’t attached to your home, like a detached garage, fence, or shed, your policy has you covered.
Loss of use
If your home becomes unlivable due to a covered loss, your policy covers temporary housing and living expenses until you’re back on your feet.
Personal liability
If you’re sued or a visitor gets injured on your property, your policy covers legal costs and medical bills up to your selected limit.
Floods, earthquakes, and normal wear and tear aren’t part of the deal. We love Florida, but some things are bigger than a homeowners policy.
How much is homeowners insurance in Florida?
The average cost of homeowners insurance in Florida is $2,691 per year ($224/month).
Your rate depends on several factors like your home’s age, location,
and how much coverage you need.
Here’s what Florida homeowners typically pay in popular cities:
| City in FL | Avg. annual cost | Avg. monthly cost |
|---|---|---|
| Miami | $3,886 | $324 |
| Orlando | $3,088 | $257 |
| Tampa | $2,554 | $213 |
| Jacksonville | $2,273 | $189 |
| Fort Lauderdale | $3,572 | $298 |
Source: ValuePenguin
Is homeowners insurance required by law in Florida?
No, homeowners insurance in Florida is not required by law. But if you have a mortgage, your lender almost certainly does. Florida is the most hurricane-exposed state in the country, and also deals with frequent flooding, tropical storms, and intense summer thunderstorms. Going without coverage here is a very significant financial exposure.
How much homeowners insurance do you need in Florida?
The right amount depends on your home, your stuff, and your lifestyle. Here’s how much homeowners insurance you need:
Dwelling coverage
Coverage is calculated based on what it would actually cost to rebuild your Florida home from the ground up, up to $1,250,000. Florida's construction costs are among the highest in the Southeast, worth reviewing annually before hurricane season.
More on dwelling coverageOther structures coverage
Coverage is automatically set at 10% of your dwelling limit for 1 to 2 family homes, or 5% for 3+ family homes. If you have significant structures on your property, make sure your dwelling limit reflects that.
More on other structuresPersonal property coverage
Coverage defaults to 70% of your dwelling limit, with options to adjust depending on your home type. Walk through your home and add up what it would cost to replace everything, that sum should be your personal property limit.
More on personal propertyLoss of use coverage
Coverage is set at 30% of your dwelling limit. Think about how much you'd spend on temporary housing, meals, and other expenses if your home became unlivable due to covered damage. Spending just one week in a Miami hotel will run you around $1,400 to $2,100, so factor in your local costs.
More on loss of usePersonal liability coverage
Coverage ranges from $100,000 to $500,000. This covers legal fees and medical bills if someone gets hurt on your property or you accidentally damage someone else's property. Most mortgage lenders will specify a minimum, so check your requirements.
More on personal liabilityHow does Lemonade protect Florida homeowners?
Coverage built for Sunshine State living, and everything Florida weather throws at it.
Hurricane damage
Florida is the most hurricane-exposed state in the country. If a covered hurricane or wind event damages your roof, siding, or personal belongings, your policy can help cover the cost to repair or replace them.
Theft protection
Heading down to the Keys for the long weekend? Your policy can help cover your belongings whether they’re taken from your home or away from it, on your property or anywhere else in Florida.
Storm displacement
Florida’s storm season runs from June through November and can cause serious structural damage. If a covered storm event makes your home unlivable, your loss of use coverage kicks in to cover temporary housing and living expenses.
Florida homeowners: By the numbers
Florida homeowners invest significantly in their properties. Here’s what the data tells us:
A better way to protect your Florida home
Lemonade was built to do insurance differently. Real people, real homes, and real coverage that actually works when you need it most. Here’s what sets us apart.
Trusted by 3M+ customers
Lemonade is one of the fastest-growing insurance companies in the US, trusted by over 3 million customers and counting.
Coverage built for you
Easily add and adjust coverages at the end of your quote – so your policy works for you, not the other way around.
Accepted by all major lenders
Lemonade homeowners insurance is accepted by all major mortgage lenders in Florida, so you can close without the hassle.
How to insure your home in Florida?
Getting covered shouldn’t feel like a second job. With Lemonade, the whole thing takes as little as 90 seconds – no paperwork, no agents, no waiting on hold. Here’s how it works.
1. Get an instant quote
Click the button below to get started. Fast, intuitive, and built to get your quote in as little as 90 seconds.
2. Answer a few simple questions
Tell us a bit about your home and walk through your coverage options. No jargon, no pressure – just the right policy for you.
3. Customize and confirm
Add or adjust any coverages you need at the end of your quote. Tap confirm and you’re covered. Your policy documents land in your inbox right away.
Homeowners insurance in Florida FAQs
How much homeowners insurance coverage do I need to rebuild a home in Florida?
Your dwelling limit should reflect the cost to fully rebuild your home from the ground up, not its market value, and not what you paid for it. That number is calculated using industry-standard replacement cost data and can go up to $1,250,000. Florida’s construction costs are among the highest in the Southeast, and rebuild costs near the coast can be significantly higher, so it’s worth reviewing your dwelling limit annually before hurricane season.
Does homeowners insurance in Florida cover hurricane damage?
Yes, wind and hurricane damage are typically covered under a standard homeowners policy. However, Florida policies carry a separate hurricane deductible, which is calculated as a percentage of your dwelling limit rather than a flat dollar amount. It’s worth knowing your hurricane deductible before storm season hits. Confirm the specifics of your policy with your insurer.
Does homeowners insurance in Florida cover flood damage?
No. Flood damage is not covered under a standard homeowners policy, regardless of the cause. Given how much of Florida sits at or near sea level, separate flood insurance is strongly worth considering. It is available through the National Flood Insurance Program or private carriers.
Is homeowners insurance in Florida more expensive than other states?
Yes. Florida is the most expensive state in the country for homeowners insurance, driven by hurricane exposure, the high cost of rebuilding near the coast, and a historically challenging insurance market. Your rate will depend on your home’s location, age, construction type, and roof condition. The best way to know your actual rate is to get a quote.
Does homeowners insurance in Florida cover roof damage from a hurricane?
Yes, roof damage from a covered wind or hurricane event is typically covered under a standard homeowners policy. However, Florida policies carry a separate hurricane deductible, which is calculated as a percentage of your dwelling limit rather than a flat dollar amount. Older roofs may also be subject to different settlement terms depending on their age and condition. Confirm the specifics of your policy with your insurer.
This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states. Claims data is sourced from internal Lemonade data as of July 2026. *Average cost of homeowners insurance sourced from https://www.valuepenguin.com/best-cheap-homeowners-insurance-florida Sources: 1. https://policyadvocate.com/blog/most-common-homeowner-insurance-claims-in-florida/
2. https://www.zillow.com/home-values/14/fl// 3. https://usafacts.org/answers/what-is-the-homeownership-rate/state/florida/
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