In 2025, Floridians have one of the highest average homeowner insurance costs in the nation—ranging between around $4,400 to $5,600 per year, depending on source and coverage amount. Yet some companies still manage to stand out as providers of the cheapest homeowner’s insurance Florida can offer. Here are the top 5 affordable options to explore:
5. Nationwide
Why Nationwide Offers Low-Cost Homeowners Insurance Policy Quote Florida
Nationwide often provides strong multi-policy discounts—especially when you bundle your home and auto insurance. This bundling strategy can significantly reduce premiums. While specific Florida rates aren’t publicly published, Nationwide remains competitive nationwide, with average homeowner premiums around $2,400 for $300K dwelling coverage. In Florida, where rates are high, these bundled savings can make Nationwide one of your more affordable homeowners insurance Florida choices.
4. Cincinnati Insurance
Why Cincinnati Makes the List for Cheapest Homeowners Insurance Florida
Cincinnati Insurance offers policies through local independent agents, helping to tailor coverage and integrate discounts effectively. NerdWallet gives it a 4.5 rating for having fewer customer complaints and solid coverage options. While exact premiums in Florida aren’t disclosed, its strong customer satisfaction and flexibility make it a noteworthy option for those seeking low cost homeowners insurance Florida.
3. Auto Club Group (AAA)
Why AAA Offers Low-Cost Homeowners Hazard Insurance Quotes Florida
The Auto Club Group (AAA) offers significant savings via bundling home and auto policies—especially in Florida. According to AAA, Floridians who bundled their insurance saved an average of $1,636. Benefits and discounts also include wind mitigation, age-of-home/roof credits, and security system reductions. This makes AAA a smart way to access affordable homeowners insurance Florida and some of the most cheap homeowners insurance Florida rates when bundled.
2. Chubb
Why Chubb May Offer the Lowest Homeowners Insurance Florida
Chubb tops national data as offering the lowest average premium for $100K dwelling coverage—just $991 per year (about $83/month). Additionally, MoneyGeek notes Chubb excels in affordability (score 75/75), customer service, and financial stability. While Florida rates will be higher due to risk, Chubb remains among the least expensive homeowners insurance Florida can offer, especially for those wanting good service at a lower cost.
1. Amica
Why Amica Offers the Cheapest Homeowners Insurance Florida
U.S. News reports that for a sample policy ($500K dwelling, $300K liability), Amica is still the cheapest, with a rate around $146 per month (~$1,752/year). Even though Florida rates are higher, these numbers show Amica often delivers top-tier value—making it potentially the cheapest homeowners insurance Florida provider among well-known insurers.
Summary Table
| Rank | Company | Why It Stands Out |
| 5⃣ | Nationwide | Strong bundle discounts, competitive average rates |
| 4⃣ | Cincinnati Insurance | Tailored coverage via agents, high customer satisfaction |
| 3⃣ | Auto Club Group (AAA) | Big savings via bundling and security/wind mitigation discounts |
| 2⃣ | Chubb | Ultra-low national premiums and service, best affordability score |
| 1⃣ | Amica | Lowest sample rates nationally, high value for cost |
Frequently Asked Questions (FAQs)
Q: What is the cheapest homeowner’s insurance Florida?
It varies by your specific ZIP code, home type, and coverage, but companies like Amica (for sample high-value policies) and Chubb (for moderate coverage levels) consistently show extremely affordable rates. Bundling through AAA or Nationwide can also yield major discounts.
Q: How can I get the lowest homeowners insurance Florida?
- Shop around and compare homeowners insurance policy quotes Florida from multiple providers.
- Look for bundle discounts with auto or other policies.
- Improve your home’s safety or install mitigation systems (e.g., wind storm resistance, alarms).
- Opt for higher deductibles where financially feasible.
Q: Why is homeowners insurance so high in Florida?
Florida’s exposure to hurricanes, rising reinsurance costs, and high claim frequency drive up premiums. In 2024, average homeowner insurance costs in Florida ranged from about $4,400 to $5,600—well above the national average.
Q: Are Florida rates coming down soon?
There are some positive signs: Florida Peninsula Insurance recently requested an 8.4% statewide rate decrease in 2025, potentially signaling a shift toward relief. However, experts warn that significant relief may not come quickly given ongoing climate and reinsurance challenges.
Conclusion
Florida homeowners face among the highest insurance premiums in the nation—but not all providers are contributing to the burden. Among the most cheapest homeowner’s insurance Florida has to offer, Amica often leads in overall affordability, especially for higher-value policies; Chubb delivers excellent value at moderate coverage levels; while AAA, Nationwide, and Cincinnati Insurance offer affordability via bundling, agent support, and strong satisfaction ratings.
To secure the best cheap homeowners insurance Florida, it’s essential to:
- Compare quotes from multiple insurers
- Leverage bundling or safety discounts
Know which company aligns with your coverage needs and budget