Homeowners insurance in Florida

Built to be there before, during, and after the storm.

Save an average of $817/year when you bundle home + auto***

Home Only

Home + Auto

Here’s how bundling works

You can finish your home quote online in just a few minutes. If you’d like to add auto for additional savings, a licensed agent can help with that afterward.

Start online, finish with an agent

You can finish your home quote online in just a few minutes. If you’d like to add auto for additional savings, a licensed agent can help with that afterward.

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Why you'll love Kin

You get more than coverage — you get a team that follows through.

Here to help

We reach out before, during, and after major weather events to make sure you’re okay — and to assist if you need to file a claim.

24/7 claims support

Easily file a claim over the phone with a member of our support team or online in your Customer Portal.

5-star care

Licensed Kin agents are easy to reach and ready to listen. Contact us via email, phone, or live chat.

What does homeowners insurance cover in Florida?

Coverage that protects your house — and gives peace of mind to the people who make it home.

Dwelling coverage for the actual structure of your home, inside and out.

Other structures for things like your detached garage or shed.

Personal property for your personal belongings that make your house a home.

Loss of use for additional living expenses when a covered loss forces you to temporarily relocate.

Personal liability if you accidentally cause someone bodily injury or property damage.

Medical payments if a guest is injured on your property.

Home protection that stands the test of time

We stay through every storm, helping Floridians protect, prepare, and rebuild with confidence. The policies we offer cover all the following perils.

Hurricanes & tropical storms

Wind & hail damage

Tornadoes

Wildfires

Sinkholes

Theft

Vandalism

And more

Your protection, your pace

Customize your Florida policy with these additional coverage options.

Flood coverage

Water backup coverage

Fungi & mold coverage

Animal liability coverage

Identity fraud expense reimbursement

And more

Discounts available in Florida

On average, Kin customers pay $1,879 per year for home insurance, but you may be able to save money on your policy by making investments to protect your home, avoiding damage, and selecting sustainable options.

Home security

• for installing security or fire alarms (available for nonmobile homes).

Wind mitigation

• the more wind-proof your home, the better.

Water detection

• because no one wants a flooded home.

Claims-free

• for keeping your home safe over the years.

Electronic policy

• for reducing your carbon footprint by saving some paper.

We've got Florida covered.

We help Floridians find coverage across the entire Sunshine State!

We sell policies in every county in Florida, including in these major cities:

• Cape Coral
• Fort Lauderdale
• Fort Myers
• Hialeah
• Jacksonville
• Miami
• Orlando
• Pembroke Pines
• Pensacola
• Port St. Lucie
• Sarasota
• St. Petersburg
• Tallahassee
• Tampa

Common questions about Florida home insurance

What’s the average cost of home insurance in Florida?

Kin homeowners insurance customers in Florida pay an average annual premium of $1,879 for $350,000 in dwelling coverage, as of June 2026. Your individual rate will vary based on several factors, including your home's age, location, and characteristics, as well as the types and amounts of coverage you choose.

Here are the average annual premiums for Florida homes with various dwelling limits.

How much home insurance do I need in Florida?

Every Florida homeowner has different coverage needs, but in general, here’s how much insurance you should have:

• **Dwelling insurance.**Your dwelling insurance limit should cover the full cost of rebuilding your home to its original condition after a covered loss.
• Other structures coverage. Generally set at 10% of your dwelling coverage limit, this covers the cost to rebuild, replace, or repair structures that aren’t attached to your primary residence, such as detached garages, sheds, or pool houses. Depending on the value of other structures on your property, you may need a higher limit.
• Personal property insurance. Your personal property insurance limit should cover the full cost of replacing your personal belongings, such as furniture, clothing, decor, and small appliances. It’s commonly set at 50% of your dwelling limit. You may need more (or less) based on the value of your belongings.
• Liability insurance. Choose a personal liability insurance coverage limit that matches or exceeds the value of your personal assets, like investment accounts and real estate.
• **Medical payments insurance.**Standard home insurance policies generally provide $1,000 to $5,000 in medical payments insurance to cover a guest’s medical expenses, regardless of who was at fault.
• Loss of use insurance. This coverage can help you pay for additional living expenses, like lodging, if you need to vacate your home after a covered loss. It’s typically set at 20% of your dwelling insurance limit.

Is home insurance required in Florida?

No, homeowners insurance isn’t legally required in Florida. However, if you financed your home, your lender will likely require you to carry coverage for the duration of the loan.

Even if you aren’t required to carry coverage, it’s often a good idea to have a home insurance policy in place. A standard Florida home insurance policy can provide financial protection for your property and belongings after a covered event. Without it, you’ll likely need to pay out of pocket to repair, replace, or rebuild your property.

Home insurance can also provide personal liability protection, including covering legal fees if you are sued due to a covered incident, such as being at fault for injuries sustained by a guest or damaging a third party’s property.

What does home insurance not cover in Florida?

Homeowners insurance in Florida excludes or limits coverage for the following:

• Damage caused by flooding, including storm surges
• Damage caused by earthquakes, sinkholes, and other ground shifts
• Intentional damage caused by the policyholder or a covered household
• Pest or insect infestations and resulting damage
• Most cases of mold, mildew, or rot damage
• Damage that occurs to a property that’s been vacant for an extended period

Keep in mind that policy exclusions and limitations can vary by insurer and product. Always discuss coverage details with your insurer.

What factors affect home insurance rates in Florida?

Florida home insurance rates depend on a variety of factors, including:

• **Where you live.**Homeowners insurance premiums in Florida vary based on your property’s location, down to the ZIP code.
• Home’s replacement cost value. A primary driver behind your premium is the estimated cost of rebuilding your home from the ground up if it were destroyed by a covered peril.
• **Safety features.**You may see a lower premium if your home is home that’s equipped with safety features, like fire sprinklers or a security system.
• Past claims. If you’ve filed any home insurance claims in the past, you may pay a higher rate for homeowners insurance. The same may also be true if your property has a history of frequent claims, even if you weren’t living there when they were filed.
• **Types and amount of coverage.**The more coverage you have, the higher your premiums. Similarly, you’ll pay slightly more if you have any policy endorsements, like water backup coverage or extended replacement cost coverage.
• **Deductible.**Home insurance policies with high deductibles typically have lower premiums, while policies with lower deductibles usually cost more.
• Credit history. Florida insurers can use your insurance-based credit score to set rates. If you have poor credit, you may see a higher premium.