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Why is it so hard to find home insurance in Florida?

Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella...

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Reviewed byDaniel Walker
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UPDATED: Mar 19, 2020

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Florida Home InsuranceIt’s hard to find home insurance in Florida for a number of reasons. According to the Federal Alliance for Safe Homes (FLASH), Florida domiciles are susceptible to 6 of the 10 named home insurance perils. These are: floods, tornadoes, hurricanes, thunderstorms, extreme heat and wild fires. Plus coastal homes and homes built prior to 1994 are also difficult to cover.

It’s almost surprising, given recent events in the sunshine state, that we can get coverage for our homes at all! Take a look at the issues pertinent to Florida homeowners and the options for finding reliable coverage.

Read through this article to learn some of the additional reasons why it can be difficult to find Florida homeowners insurance coverage and then be sure that you enter your Florida zip code above to find and compare many different insurance quotes from various Florida homeowners insurance companies!

Changes in Florida Home Insurance

In the 2004-2005 year the company paid out $4.4 billion in claims due to hurricane damage for Floridians. The results of this and other natural disasters are hard to deny. In recent years insurers like Allstate Floridian, State Farm Florida and Nationwide Insurance of Florida have stopped offering coverage to homeowners they once insured. In 2008 the largest private home insurer in the state, State Farm, announced that they would not write any new Florida policies. The company put the blame on state legislation that required insurers to drop rates claiming that the rate cuts were just too high to sustain the business.

Allstate, Liberty Mutual and Nationwide had already begun to pull back on business in the state before State Farm did the same. There are still companies that insure Florida residents. In 2008 the Florida Office of Insurance Regulation listed these companies as the top property insurers in the state: Citizens Property, State Farm, Universal Property, Allstate Floridian and Nationwide. Only Allstate Floridian fell off of this list in 2009.

Despite the fact that Florida fared better in regards to hurricanes in the past couple of years, the insurance companies still felt the effects of past claims. Two companies in the state, First Commercial Insurance Company and Property Insurance Company were ordered into liquidations. Add all this up and there just aren’t as many companies offers protection to Florida dwellers as there used to be.

It’s hard to find homeowners insurance in FL, but not impossible! Make your Florida homeowners insurance quotes search easier – just enter your zip code in now to start!

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Best Options for Floridians

One great resource for Florida residents in regards to home insurance companies is the Florida Office of Insurance Regulation. This site also offers a link to the Florida Market Assistant Program which is designed to match consumers with insurance providers. Simply register at the FMAP site and you can request a list of providers that may be able to help you. They do NOT provide rate quotes. You can use our free online rate quote tool for that purpose. However, the FMAP site is another resource specifically created to meet the special needs of Floridians.

Finding home insurance in Florida does present a special challenge. However, not having insurance on your home in the Sunshine State is not an option. For all the sunny days and beautiful beaches we have from Jacksonville to Melbourne Beach we also have our share of hurricanes, tornadoes and other issues that can damage or destroy a home. And this doesn’t even take into some of the smaller issues homeowners here have to deal with. Don’t’ let any of these facts discourage you. There is insurance available.

Start with either our free online rate quote tool or a tour of the state insurance site. Then take some of the quotes you receive and visit the company websites or look for online reviews. Be sure to ask for discounts before you make a final selection. Sooner than you think you will have your Florida home insured.

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