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Best Home Insurance Rates For Florida

  • dannpreciado
  • Nov 18, 2023

Best Home Insurance Rates For Florida – As a Florida homeowner, you know that insurance is important. You’ve probably seen firsthand the devastation a hurricane can wreak on an entire community. Protecting your mobile home is essential.

Mobile home owners in Florida have historically been overlooked. Only a few insurers offer mobile home coverage, and when they do, the price is usually high.

Best Home Insurance Rates For Florida

Best Home Insurance Rates For Florida

We are changing that. We designed our custom mobile home insurance for Floridians to be the best on the market. We design our coverage to reflect the actual risks of your home, not a general state assessment. Result?

Homeowners Insurance — Get A Free Quote

The average homeowner who mods saves $500 a year (or more!). Our average mobile home insurance premium in Florida is $894 per year.

Mobile home insurance can cover more than just your home. A typical policy—without additional coverage—usually includes:

The types of damage your policy covers depend on your insurer. Our policy covers all risks except those expressly excluded by the policy. This means your mobile home is covered for damage or loss due to:

Unfortunately, we cannot offer coverage for mobile homes built before 1976. Older mobile homes, built before 1976, may have difficulty getting insurance because they do not meet HUD’s manufactured home construction and safety standards. Homes built after 1976 are technically called manufactured homes and meet this federal building code, making them safer and more durable.

The Cheapest Home Insurance Companies In Florida

Not sure about mobile home regulations in Florida? Our guide on how to buy a mobile home in Florida can help.

The average cost of mobile home insurance in Florida is $894 per year. That said, the location of your home, the limits you choose, the age of your home, and other factors affect the cost of coverage.

You can see how our prices compare to other Florida mobile home insurers below. These premiums are based on replacement cost coverage and not cash value policies.

Best Home Insurance Rates For Florida

And remember, you can also adjust both your standard deductible and hurricane deductible for additional savings. Generally, the higher your deductible, the lower your premium will be, but make sure you don’t choose a deductible so high that you can’t use your coverage when needed.

The Best Homeowners Insurance Companies Of November 2023

Florida does not legally require homeowners to have home insurance, but your lender may. If your home is in a community or mobile home park, the owner may require that you also have mobile home insurance.

Even if you own your home and it’s on private property, Florida’s extreme weather makes coverage a smart investment. You never know when disaster will strike, and your coverage offers support for recovery and restoration.

While mobile home insurance in Florida has a reputation for affordability, remember that the insurer makes the difference. Before you buy, find a provider that offers: Find out which home insurance company is the best in our detailed comparison guide based on costs, customer reviews and net promoter scores.

The best home insurance companies offer policies to protect everything that makes your home a home without breaking your budget. You also want to work with a company that is willing to help you when you have a claim. This guide will help you. We evaluate dozens of homeowners insurance companies based on several key factors, including cost, customer reviews and Net Promoter Score (NPS), so you can find the best home insurance for your needs.

Best Home And Auto Insurance Bundles Of 2023

We’ve included ourselves in the analysis, so you can see how our performance compares to some of the top homeowners insurance companies in the country. You’ll also find some tips on how to compare home insurance companies so you can make informed decisions and choose the best homeowners insurance to protect your home and family.

Homeowners insurance costs vary greatly from state to state and even county to county. So while you’re looking at average premiums to get an idea of ​​what you’ll pay for coverage, it doesn’t show anything specific to your situation.

That said, below is an apples-to-apples comparison of average annual premiums for a newly constructed home with $300,000 in homeowner coverage, based on filings with the Florida Office of Insurance Regulation. This gives you a solid idea of ​​who has the best rates in Florida, one of the most expensive places to buy home insurance.

Best Home Insurance Rates For Florida

What we found was no surprise, at least not to us. It was followed by the lowest rates in Florida, averaging $1,316 per year. This makes us 15 percent less expensive than the next cheapest option (Primary Protection $1,523 per year) and 68 percent cheaper than the most expensive option (Banker’s Insurance $2,222 per year).

Best Florida Homeowners Insurance Companies

While price is important, it is not the only factor to consider when choosing the best home insurance company. Customer reviews can tell you a lot about a home insurance company, such as:

You’ll definitely want to read a few reviews to get a sense of the individual customer experience, but you can get a general impression of customer satisfaction from the average of review scores.

For the homeowners insurance company below, we looked at online review sites (including Trustpilot, Google Reviews, and Clearsurance) that allow users to rate their experience on a scale of one to five.

As you can see, customers rate their experience highly, but GeoVera customers are generally less satisfied with their service. Some companies, such as Bankers Insurance and Universal Property and Casualty Insurance, have favorable ratings, but several of these home insurance companies fall well short of even the average customer experience. Many reviews of low-rated companies cited expensive premiums and poor claims experience as the source of their dissatisfaction.

Essential Insurance Services

The Net Promoter Score indicates whether a customer would recommend a company to a friend or family member. As you can imagine, this is quite valuable to the insurance company. A high score means the customer was so pleased with their experience that they trusted the company to protect their loved ones.

The home insurance industry average NPS is 42 out of 100, a tragic score by any standard. This means that people are not happy with their home insurance companies.

Our NPS is 85, twice the industry average. The next national insurance company to come close to that score is USAA with 77. Check out the chart below to see how they compare to other national companies.

Best Home Insurance Rates For Florida

2) If you live in an area prone to natural disasters, look for an insurance company that offers hurricane insurance and flood insurance.

Best Car Insurance Companies In Florida

The best home insurance providers are the ones that don’t force you to settle for less coverage and are financially strong enough to pay your claims. They can fit your budget, offer personalized coverage, and have good customer reviews and ratings.

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