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Typical Home Insurance Rates in Florida

If you are wondering “How much is home insurance in Florida?” the answer can be quite more complicated than a simple number. Neighbors Insurance Agency has the widest selection of home insurance Florida has to offer and we know that what factors are going to make the biggest impact on your insurance policy’s cost. To learn more about the home […]


If you are wondering “How much is home insurance in Florida?” the answer can be quite more complicated than a simple number. Neighbors Insurance Agency has the widest selection of home insurance Florida has to offer and we know that what factors are going to make the biggest impact on your insurance policy’s cost. To learn more about the home insurance Florida trusts, contact us at Neighbors Insurance Agency or visit our website to see what other policies we offer.

How Much is Home Insurance in Florida?

Home insurance can vary widely depending on from where you are trying to purchase it. The gap from cheapest insurance to most expensive can be quite large and that is because no two houses are made the same. A mansion with a pool and four acres of land is not going to have the same insurance costs as a two bedroom house with hardly any land. While insurance can start at the several hundred, it can also go up to $10,000 a year. Of course, these costs are largely affected by a series of factors.

What Factors Affect It?

      Value of Your Home as Determined by Your Insurance: The more that your home costs, the more that it is going to be valued at by your insurance company and the more you will have to pay on your insurance.

      Location in Florida: Those homes that are located in southern Florida are typically more expensive to insure than those up north because those in the south are more likely to experience damage from hurricanes. This is even affected by the proximity of the home to the ocean. Those homes that are located right on the beach are going to be more expensive to insure than those that are inland.

      Construction of Your Home: The less durable the material that was used to build your home, the more expensive it will be to insure because it will be more likely to be damaged by a hurricane or fire.

      Age of Your Home: Older homes are typically more expensive to insure because they will likely require more repairs. This can be different if your home has had recent updates to it.

      Credit: Your insurance company will probably use your credit to determine how much to charge you for your insurance. The better that your credit is, the less they will be likely to charge you.

      Company You Select: Of course, you should not be willing to settle for the first insurance company that comes your way. Instead, be wary about which one you select and compare pricing as well as coverage.

Contact Us

Neighbors Insurance Agency is an insurance agency based out of Florida. We have the best home insurance Florida has to offer and we have a commitment to our customers to provide them with the best service possible. If you are wondering “How much is home insurance in Florida?” feel free to contact us for more information. You may also visit our website to see our policies for yourself.