Home insurance cost in Florida
About $2,845 a year, or $237 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Home insurance cost
$2,845
a year
A month
$237
Rank
29 of 51
1 = cheapest; +14% vs U.S.
| State | Home insurance cost | Rank |
|---|---|---|
| West Virginia | $2,465 | 27 |
| New Mexico | $2,800 | 28 |
| Florida | $2,845 | 29 |
| Indiana | $2,985 | 30 |
| North Carolina | $3,025 | 31 |
| U.S. | $2,490 | - |
Common questions
How much is homeowners insurance in Florida?
About $2,845 a year, or $237 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Is home insurance in Florida expensive?
Florida ranks 29 of 51 (1 = cheapest). Your price depends on the home's rebuild cost, location, claims history, credit and deductible.
Add insurance and taxes to a full payment with the mortgage calculator.
More for Florida: monthly budget · take-home pay · rent.