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What will my Florida insurance cost?

Pick home, auto or flood and answer a few questions. You get a ballpark range right away. For the exact price, a licensed agent shops it across more than 20 carriers.

Yearly estimate
Location & home
Distance to coast
$350,000

Cost to rebuild, not market value

Year built

2002 is when the Florida Building Code took effect

Construction
Roof age
Policy & discounts
Hurricane deductible

The share of your dwelling coverage you pay first after a hurricane

Claims in last 5 years
Wind mitigation
Impact windows or shutters

Must protect every window, door and garage door to earn the full credit

Roof shape

Hip slopes down on all four sides. Gable has a flat triangle end wall.

More ways to save
Deductible for other claims

Fire, theft, water and everything except hurricanes

Ranges come from a simple model our agency built, not from any carrier’s filed rates, and they move with the answers you pick. Business, commercial, umbrella and professional liability policies are priced case by case. Last reviewed September 2026.

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Get your exact price

Send us this estimate and a licensed agent shops it across more than 20 carriers. We call you back with real numbers.

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239-880-3308

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