Florida Home Insurance: Our pick is Citizens at $343/mo
Updated May 21, 2026 — PolicyChat refreshes this page when new state DOI filings post.
The pick: Citizens at $343/mo for Florida home (filed 2026-01-01). Across 2 recent carrier filings, this is the lowest baseline. For most Florida drivers this is the right starting point; your specific quote depends on your ZIP, age, vehicle, and record.
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Why this pick
Florida home insurance ($2,385/yr NAIC 2023) is high but isn’t the most expensive — Oklahoma’s $2,810/yr beats it. Florida’s distinguishing feature is volatility: 7 carriers became insolvent in 2022-2023, and Citizens (the state-run insurer of last resort) ballooned to over 1.4 million policies before reforms cooled the market.
Recent Florida home filings
| Carrier | Filed Rate | Effective | Source |
|---|---|---|---|
| Citizens | $343/mo | 2026-01-01 | State DOI |
| State Farm | $350/mo | 2025-12-01 | State DOI |
How PolicyChat sources this data
Public DOI filings + NAIC published averages + licensed partner feeds. Per-record provenance. Methodology: /methodology/rate-authority/
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