The Best Companies for Homeowners Insurance in FL

Policy premiums are at an all-time low in Florida, so now is the time to buy your homeowners insurance. But what are the best companies that offer homeowners insurance in FL? Below are four of the best companies that we have found for homeowners insurance within the state of Florida.

Liberty Mutual

Liberty Mutual is the first on our list and it is also the biggest in the state and offers some of the best homeowners policies in Florida.  If you take advantage of their excellent Inflation Guard then Liberty Mutual will increase your policy limits as to match the rate of inflation, making sure that you are always covered at the level that you originally signed on for.

The policies offered by Liberty Mutual range from their Home Protector Plus which covers everything from rebuilding your home to replacing personal property and renting a place to stay should you need to leave your home for any repair work to be done, to their extended replacement cost coverage, which covers the costs of replacing your personal items should they ever be stolen or damaged.

Liberty Mutual also offers many discounted rates to new homeowners, if you have installed any safety devices on your home such as security alarms and if you are having renovation work done to your property.


Although GEICO doesn’t offer home insurance in FL. It does, however, act as an agent, putting you in touch with some of the best underwriters that will help you to get the cover that you need.


Allstate made our list because of their extensive range of discounts. Being a nonsmoker, enrolling for their auto-pay service, the installation of fire and safety alarms and packaging your homeowners insurance in with your auto insurance and having both policies with them, are all qualifiers for heavy discounts.


Although we have placed Farmers at the bottom of the list, they are actually the most modestly priced company with the average cost of Florida homeowners insurance being just $42 per month.

Farmers are also well worth considering for their rare coverage options and are great for people with a particularly eco-friendly home with their Eco-Rebuild product which covers the costs of repair to your property if you use ‘green’ building materials.  They also offer coverage for trees and shrubs, making them one of the most extensive companies on the list.