{"id":178767,"date":"2026-03-05T03:30:09","date_gmt":"2026-03-05T03:30:09","guid":{"rendered":"https:\/\/www.newsbeep.com\/us-fl\/178767\/"},"modified":"2026-03-05T03:30:09","modified_gmt":"2026-03-05T03:30:09","slug":"these-are-the-4-best-home-insurance-companies-in-florida-ranked","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/us-fl\/178767\/","title":{"rendered":"These are the 4 best home insurance companies in Florida, ranked"},"content":{"rendered":"

ORLANDO, Fla. \u2013 With natural disasters being a relatively common problem in Florida<\/a>, it\u2019s little surprise how much of a hassle it can be to find an effective homeowner\u2019s insurance provider.<\/p>\n

That\u2019s why U.S. News & World Report released its latest list of the best homeowners insurance companies this month<\/a>, providing some insight into which insurers are best suited to tackle these claims.<\/p>\n

[BELOW: Here\u2019s how Floridians can vet their insurer\u2019s financial stability]<\/p>\n

The ranking uses factors like availability, rates, coverage options, company reviews and consumer surveys to determine which companies are the cream of the crop.<\/p>\n

Looking at cost alone, the cheapest company, per the study, is State Farm. The average yearly premium with $100,000 in liability coverage for the cheapest companies on the list is as follows:<\/p>\n

Company$300,000 Dwelling$400,000 Dwelling$500,000 DwellingState Farm$1,789$2,017$2,257Florida Peninsula Insurance Company$2,236$2,792$3,348Universal Insurance$2,642$3,975$5,128Homeowners Choice$2,785$3,802$4,819<\/p>\n

Meanwhile, the overall top-ranked companies on that list are as follows:<\/p>\n

1. State Farm \u2014 4.8\/5<\/p>\n

PROS:<\/p>\n

No. 1 overall and the cheapest home insurance company in the ranking<\/p>\n

Highest scores in most categories of the study\u2019s local consumer survey<\/p>\n

Policies are automatically adjusted yearly for inflation<\/p>\n

CONS:<\/p>\n

Online quotes may not be available for Florida ZIP codes<\/p>\n

Roofing discount not available in Florida<\/p>\n

\u201cWith State Farm, you can add on optional coverages such as a sewer backup endorsement, identity theft protection and service line coverage. <\/p>\n

In our customer satisfaction survey for Florida homeowners, State Farm leads the state\u2019s top companies at No. 1 for its customer service, claims handling, value and more.State Farm typically doesn\u2019t offer online quotes in Florida, so you will likely need to contact a local agent to buy a policy.”<\/p>\n

U.S. News & World Report, “Best Homeowners Insurance in Florida for 2026″2. Florida Peninsula Insurance Company \u2014 4.4\/5<\/p>\n

PROS:<\/p>\n

Several optional add-ons, like equipment breakdown and identity theft<\/p>\n

Scored No. 2 for most survey questions<\/p>\n

CONS:<\/p>\n

Does not have financial strength ratings from most major firms<\/p>\n

\u201cFlorida Peninsula Insurance Company offers standard home insurance as well as add-on coverage for animal liability, solar panels and more. In our survey, it has the No. 1 score for customer likelihood to renew their current policy.<\/p>\n

Note that as a smaller local carrier, Florida Peninsula Insurance has not received ratings from many of the large national firms that assess an insurer\u2019s financial health, such as AM Best, Moody\u2019s or Standard & Poor\u2019s.”<\/p>\n

U.S. News & World Report, “Best Homeowners Insurance in Florida for 2026″3. Homeowners Choice \u2014 3.7\/5<\/p>\n

PROS:<\/p>\n

Rated No. 2 for customer satisfaction for its value<\/p>\n

Serves as a private alternative to the state-run insurer of last resort, Citizens<\/p>\n

CONS:<\/p>\n

Relatively low survey scores in other categories<\/p>\n

Lacks financial strength ratings from most major firms<\/p>\n

\u201cHomeowners Choice is a home insurance provider under HCI Group that primarily operates in Florida. It may be worth considering if you have a high-risk house that\u2019s difficult to insure, as this private insurer has been taking on policies from the state-run Citizens.<\/p>\n

Homeowners Choice receives more consumer complaints than expected in the industry, according to the National Association of Insurance Commissioners or NAIC. In our survey, this insurer has the lowest consumer satisfaction ratings for its discounts, the ease of opening a policy and the likelihood of its customers recommending the company.”<\/p>\n

U.S. News & World Report, “Best Homeowners Insurance in Florida for 2026″4. Universal Insurance \u2014 3.5\/5<\/p>\n

PROS:<\/p>\n

Options for both standard coverage and high-value home insurance<\/p>\n

Variety of add-on coverages and discounts<\/p>\n

CONS:<\/p>\n

High number of NAIC customer complaints<\/p>\n

\u201cFlorida-based Universal Insurance Holdings has two primary subsidiaries that sell home insurance: Universal Property & Casualty Insurance Company offers standard home insurance, while American Platinum Property & Casualty Insurance Company is geared towardhigh-value homes<\/a>.<\/p>\n

With either type of policy, you can tailor your coverage with extra protection for valuables, backed-up sewers and more. In our local Florida survey, Universal has the lowest ratings for its value, claims handling and customer service.”<\/p>\n

U.S. News & World Report, “Best Homeowners Insurance in Florida for 2026″Breaking News Alerts<\/p>\n

Get breaking news alerts delivered to your inbox.<\/p>\n

Copyright 2026 by WKMG ClickOrlando – All rights reserved.<\/p>\n","protected":false},"excerpt":{"rendered":"ORLANDO, Fla. \u2013 With natural disasters being a relatively common problem in Florida, it\u2019s little surprise how much…\n","protected":false},"author":2,"featured_media":178768,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[558,28,30,29,785,1846,9503,2159,221],"class_list":["post-178767","post","type-post","status-publish","format-standard","has-post-thumbnail","category-florida","tag-business","tag-florida","tag-florida-headlines","tag-florida-news","tag-florida-ranked","tag-hurricane","tag-insurance","tag-money","tag-weather"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/posts\/178767","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/comments?post=178767"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/posts\/178767\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/media\/178768"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/media?parent=178767"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/categories?post=178767"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/tags?post=178767"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}