Sorting through the list of homeowners insurance companies in Florida can be a challenging task due to the many different options available.
This is why I have hurt myself to create this publication about the best homeowners insurance companies in Florida 2021.
It is undeniable that homeowners and landlords in Florida have suffered devastating damage to their homes. These damages have required the need for homeowners insurance in Florida and we can emphasize it too much.
This post covers a brief introduction to homeowners insurance, homeowners insurance rates in Florida and the best homeowners in Florida.
What home insurance is about
Homeowners' insurance is an insurance that insures your house and your belongings when a destructive event occurs.
Usually, your homeowners insurance does not just cover the cost of the building or structure and your belongings when they are destroyed. It also covers debts.
Assume that you or a family member or guest is injured under a covered hazard, debts and medical expenses will be covered by your homeowners insurance company.
Damage to your home or property and accidents caused by any of the following events are covered:
- Civil riot
Insurance Rates for Homeowners in Florida
The average home insurance rate is between $ 500 and $ 1800. Interest rates fall between this range with various companies falling into the interest rate line.
Now to the list of homeowners insurance companies in Florida after which I would show you my selection of the best ones.
Full List of Homeowners Insurance Companies in Florida
You can get home insurance from any of the companies below:
- American Integrity Insurance
- Citizens Property
- Florida Peninsula Insurance
- Heritage Property Insurance
- Houseowners Choice
- Security First
- State Farm
- St. Johns
- Progressive / ASI
- Tower Hill
- UPC Insurance
Best Homeowners Insurance Companies in Florida
To get the best coverage for your home in Florida, the companies below provided the most comprehensive the coverages.
- State Farm
- UPC Insurance
- Security First
With strong customer reviews, fewer complaints and fast claims settlement, State Farm is the best homeowners insurance company to get your home insured.
The average home insurance price on State Farm is $ 710 per year and they are cheaper than most Florida-based insurance companies.
A.M. Best Rating Services, an agency that rates insurance companies in the United States, gave State Farm the highest possible rating of "A ++". You can be assured that State Farm will not eliminate the payment of claims.
In addition to their sale of homeowners insurance, State Farm also sells tenants insurance and is an excellent option for:
- Car Insurance
- Tenants Insurance
- Flood Insurance
- Life Insurance
- Health Insurance 
- Savings accounts
Chubb provides home insurance for people with valuable homes and properties. They are also unmatched in their customer service and fast solutions on demand.
One of the many interesting benefits of using Chubb is the cash settlement option. With the cash settlement option, you can take compensation for all cash when a covered total loss occurs.
The company provides its policyholders with evaluations and tips to protect their homes from fire, theft and vandalism.
Chubb does not just insure any home. They only cover homes with high prices.
United Property and Accident Insurance (UPC) has a unique specialty in homeowners insurance.
UPC specializes in providing home insurance near the sea. These homes are susceptible to the effects of hurricanes and floods.
Standard insurance for homeowners does not cover the things UPC covers. Although they have a background of complaints, they are still a preferred choice if you have your home located along the ocean.
The average annual insurance rate at UPC is $ 1,359, which is fair for the risk of being insured.
Security First makes it one of my choices in this regard and that's because they are the cheapest homeowners insurance company in Florida.
They hold the position of cheapest homeowners insurance company in Florida thanks to the premium cost of $ 519 per year.
The company offers the usual coverage for most home insurance companies. There is no particular difference in modus operandi from others.
So Security First is the best company for cheap and affordable home insurance if you are not interested in more comprehensive coverage features.
Now you have it. The best homeowners insurance companies in Florida 2021.
State Farm shines as the best overall, Chubb is for valuable real estate, UPC insures flood prone homes and Security First is best for being cheap.