Choose one of several easy ways to pay. Log in and pay online with one of the major credit cards or a checking or savings account. State Farm, the nation's largest homeowners insurance provider, also has a huge network of agents across Florida.
Liberty Mutualhas more than 100 years of experience providing insurance products and services, such as renters insurance, life insurance, homeowners insurance and auto insurance.
You can reduce your home insurance rates in Florida by choosing a higher deductible, making home improvements, equipping your home with security features, and bundling home and auto insurance. Florida homeowners insurance is a type of property insurance that covers the cost of repairing your home or replacing your personal belongings after an unexpected event, such as a fire or water damage, destroys them. If you live in a high-risk flood area and have a federally backed mortgage, you will also be required to take out flood insurance. Liberty Mutual offers a variety of policies, including additional hurricane coverage, full replacement cost, water backup, sump pump overflow, fine jewelry coverage, and protection against inflation.
Because housing costs are the most important factor in determining the cost of living, housing may be more expensive in Florida, which could increase the cost of reconstruction, insurance coverage and premiums. Like State Farm and Allstate, Liberty Mutual offers six standard areas of coverage: housing, other structures, liability, medical payments to third parties, loss of use and personal property. In fact, Florida's homeowners insurance rates are, on average, the second highest in the country, behind Louisiana. Score higher than the competition in this review ✘ It offers fewer discounts than providers like Allstate and Liberty Mutual.
State law doesn't legally require you to have home insurance in Florida, but your mortgage lender will likely require you to purchase a policy. Many homeowners insurance companies are pulling out of Florida, restricting coverage and increasing rates, making it difficult to find affordable home insurance in Florida.