What Are the Best Home Insurance Companies in Florida?

what are the best home insurance companies in florida

While there are many companies that provide home insurance in Florida, State Farm stands out for its excellent customer service and extensive coverage options. Customers will also love the hands-on service offered by this company, as it offers a 24-hour claims department, customer portal, and a 24-hour claims line. Security First also offers a reasonable hurricane deductible and a golf cart coverage option. This insurer offers a lot of value for the money, so it’s worth a look.

Travelers ranks first among home insurance companies in Florida. This company has a long history in Florida and has an A++ financial strength rating from AM Best. Their green home policy rider pays for environmentally friendly alternatives after an incident that is covered by the policy. Travelers is also notable for its decreasing deductible, which gives you a credit each year regardless of whether you file a claim or not. Besides their low prices, Travelers also offers customizable coverage. Customers can choose deductibles and coverage levels to match their budget and lifestyle.

If you have a high-value home in Florida, Chubb may be a good option. Their policy includes many extras, including cash settlement and extended replacement costs. Those with gated communities may appreciate the added discounts offered by Chubb. Chubb offers insurance for gated communities and has a strong reputation for customer service. Its average premium is below the state average, and they also offer a variety of discounts for contractors and repair technicians.

State Farm is another option. They offer unique coverage packages, such as Vacancy home insurance. Vacancy coverage pays for glass breakage and vandalism when a home is not occupied. They also offer Rideshare insurance coverage, which includes medical and emergency roadside assistance and rental car reimbursement. When choosing a home insurance policy, homeowners should consider the insurer’s claims record, customer service, and financial stability.

State Farm is the largest home insurance company in the U.S., with exclusive agents in over 100 Florida communities. This insurer’s premiums are lower than the Florida average, but there are several ways to save money on their home insurance. If you have a high-priced home, you might want to consider Impact-resistant roofing materials. Additionally, State Farm offers a number of other discounts for homeowners who choose to protect their homes.

Security First is another option for homeowners insurance in Florida. This company has an A+ rating from the Better Business Bureau and a mobile app. Its customer support hours are limited, but their range of policy endorsements includes flood coverage through the National Flood Insurance Program, identity theft protection, water backup and sump overflow, and scheduled personal property protection. Security First also offers golf cart physical damage and liability coverage, and screened enclosure and carport coverage.

As a new homeowner in Florida, it is vital to find the best home insurance coverage to protect yourself. Hurricanes are especially common in Florida, and homeowners insurance quotes can be very expensive due to the added risks. The best way to protect your home is by choosing a home insurance company you can trust. Listed below are some of the best home insurance companies in Florida. Take the time to review each of them. And remember that home insurance is more important than ever. You can’t afford to go without it.

When shopping for home insurance in Florida, don’t forget about the deductible. Liability coverage will protect your assets and help pay medical bills and attorney fees if a claim is filed against you. In Florida, higher deductibles are not necessarily better, but the more coverage you choose, the cheaper the policy will be. A good rule of thumb is to make your deductible higher than your actual policy limit.

Tower Hill is a Florida-based insurer that offers comprehensive flood coverage and a contractor network to help with repairs. Tower Hill is especially popular with high-net-worth Floridians. The company also offers special policies for larger homes, including screened enclosure and enhanced debris removal coverage. Aside from comprehensive coverage, Tower Hill also offers a range of optional endorsements, including earthquake, wind, and hurricane.

Citizens is the best home insurance company in Florida. The company ranks first and second in customer satisfaction, and policyholders generally report satisfaction. Its unique coverage options include Sinkhole Loss coverage, which pays for structural damage caused by ground subsidence, and Increased Limits for Ordinance or Law, which covers the cost of building codes changes. And because it’s a government-regulated insurance company, Citizens has a high reputation for affordability and customer satisfaction.