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2024

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Best Homeowners Insurance Agencies in Florida

Our Recommended Top 18

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Florida Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

12442Reviewed

7472Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

St. Petersburg

Expertise.com Rating

Review Sources

Google
4.5 (28)
Facebook
5.0 (21)

Why choose this provider?

State leading provider Academy Insurance Agency handles the insurance needs of clients in Florida. It offers homeowners' insurance products to help families and individuals secure their finances from repair and replacement expenses if their homes become affected by severe weather conditions and disasters. It also carries other personal insurance plans involving auto, personal liability, flood, luxury and collectibles, pet, and special events. In addition, its team caters to business owners needing commercial insurance services. The agency�s owner, Rose Wainwright, brings over three decades of experience in the insurance industry.

Cape Coral

Expertise.com Rating

Why choose this provider?

For over 10 years, FBL Insurance Agency has been serving the residents of Florida. It provides cheap homeowners' insurance policies to protect client's residential properties and personal belongings from damage caused by lightning strikes, wind, fire, and hailstorms. It also assists individuals who want to apply for motorcycle, auto, boat, and travel trailer insurance plans. The company has team members fluent in Italian and Spanish. FBL uses products from carriers like Gulfstream, Fed Nat, and Travelers.

North Fort Myers

Expertise.com Rating

Review Sources

Google
5.0 (66)

Why choose this provider?

McDaniel Insurance Solutions provides services to residents throughout Florida. It carries the best homeowners' insurance products to help replace or repair homes, apartments, and personal properties damaged by disasters, such as hail, storm, and fire. The policies also cover liability or medical expenses of clients, their families and relatives, or guests who obtain injuries inside their properties. McDaniel Insurance Solutions also caters to business owners who plan to apply for insurance products for their hotel and motel facilities, restaurants, vineyards, garages, and farms.

St Petersburg,

Expertise.com Rating

Review Sources

Facebook
5.0 (14)
Google
5.0 (10)

Why choose this provider?

The Starboard Insurance Group Inc is an independent agency serving local residents and business owners throughout Florida. It carries the best homeowner's insurance policies covering the repair, replacement, liability, medical, and additional living expenses of clients brought by home damage and disasters. Its team also helps clients apply for business insurance products for their restaurants, apartment buildings, non-profit facilities, and commercial trucks. The company uses Foremost, US Assure, Imperial PFS, Florida Peninsula, and Travelers insurance products.

Tampa

Expertise.com Rating

Review Sources

Google
4.0 (4)

Why choose this provider?

Mutual Insurance Agency is the best family-owned and family-operated business catering to clients in the Florida area. It serves individuals seeking the best homeowners' insurance products, including renters and condos, which cover the repair, restoration, and replacement expenses of their properties or personal belongings damaged by disasters. It also gives clients a wide selection of the best insurance policies involving pets, life, automobile, and business. The company's team brings over 88 years of combined experience in the insurance industry.

Tampa

Expertise.com Rating

Why choose this provider?

All Star Insurance carries the best homeowners insurance products for clients in Florida and the surrounding communities. It helps individuals restore their homes or properties damaged by natural disasters or fires through homeowners' insurance policies. These products cover clients� jewelry, artwork, computer software, and cash. The agency also provides other insurance options for flood, earthquake, renters, and townhomes. This family-owned and family-operated company has Spanish-speaking staff. All Star Insurance�s owner, Joe Maguire, has been serving the community for over 20 years.

Fort Lauderdale

Expertise.com Rating

Review Sources

Google
4.9 (95)
Facebook
4.8 (19)
Yelp
3.2 (6)

Why choose this provider?

Steve Botkin has been the best State Farm agent catering to clients in the Florida community since 1986. He offers homeowners' insurance policies that aim to protect clients' finances from unexpected repair and replacement expenses for their damaged homes or personal properties. He also carries a homeowners' insurance plan covering the policyholders� appliances, electronics, musical instruments, and sports equipment. Botkin's team consists of members who speak the Spanish language. He also provides additional pet insurance services.

Tampa

Expertise.com Rating

Review Sources

Google
4.9 (131)
Facebook
5.0 (42)

Why choose this provider?

We Insure offers the most affordable insurance products with the best coverage in Florida. It offers clients with homeowners' insurance plans covering structures, personal liability and property, loss of use, dwelling, and medical payments if a fire, natural disasters, theft, explosions, and power surge damage clients� homes and injure their relatives or guests. We Insure also carries insurance options for condominiums and rental properties. In addition, business, auto, and life and health insurance policies available.

St. Petersburg

Expertise.com Rating

Why choose this provider?

Established in 1990, Llewellyn Insurance Services is the best agency serving clients throughout Florida. It provides homeowners' insurance policies that cover the rebuilding or restoration expenses of clients if their properties become damaged due to natural or man-made disasters. Its other property insurance plans include flood, umbrella, condo, and renters. It also carries vehicle insurance products, such as off-road, classic car, boat, motorcycle, and auto. Llewellyn Insurance Services also caters to business owners needing workers� compensation, general liability, and inland marine coverage.

Orlando

Expertise.com Rating

Review Sources

Google
4.9 (297)
Facebook
5.0 (99)

Why choose this provider?

Morning Star Insurance Agency has been serving clients throughout the State of Florida for over 10 years. It offers the best homeowners' insurance policies covering the expenses of clients to repair and replace their properties damaged by fire, windstorm, and hurricane. Its other personal insurance includes flood, motorcycle, boat, and umbrella. It also caters to business owners needing insurance coverage for their retail stores, restaurants, and offices. The company�s founder, Fred Costa, also speaks Spanish and Portuguese languages.

Orlando

Expertise.com Rating

Review Sources

Google
5.0 (59)
Facebook
5.0 (8)

Why choose this provider?

Since 1989, John Psomas has been helping individuals in Florida apply for various insurance plans. He offers the best homeowners' insurance products providing liability protection if a guest or a loved one becomes hurt inside their properties. He also assists clients who wish to add pet insurance plans to their homeowners� insurance policy. In addition, he carries business insurance products. Psomas works as an agent at State Farm. He can provide his services in Spanish.

Hollywood

Expertise.com Rating

Why choose this provider?

Ace Underwriting Group provides the best homeowners' insurance policies to clients throughout Florida. It caters to individuals who wish to secure their current and future finances if their homes or loved ones become affected by accidents or natural disasters. It also carries different commercial insurance products, such as workers� compensation, product liability, builders� risk, and special events, for clients who want to secure their business establishments and employees. Ace Underwriting Group is available to serve clients via e-mails, calls, or in-person consultations.

Fort Lauderdale

Expertise.com Rating

Review Sources

Google
4.8 (87)
Yelp
5.0 (2)

Why choose this provider?

International Insurance & Tag Agency provides the best services in Florida. It serves clients who want to apply for homeowners' insurance policies to protect their beach homes, secondary residences, vacation houses, and high-value residential properties. Its homeowners' insurance plans offer additional living expenses, personal belongings, medical payments, liability, and property coverages. It also handles watercraft, auto, renters', and business insurance services. The family-owned and family-operated company carries insurance products from Progressive, Nationwide, Hagerty, Citizens, and Great American Insurance Groups.

Orlando

Expertise.com Rating

Review Sources

Google
5.0 (444)
Facebook
4.8 (50)

Why choose this provider?

Univista Insurance - Colonial Dr. is the best provider of insurance products to the Florida community and the surrounding areas. Its homeowners' insurance plans help clients protect their finances during unexpected disasters and accidents, such as fires, hurricanes, and vandalisms. It gives individuals various homeowners� insurance coverages involving condominiums, renter dwellings, and floods. Its team also guides clients who wish to apply for life insurance and Medicare Advantage Plan. The company also caters to Spanish-speaking clients.

St Petersburg

Expertise.com Rating

Why choose this provider?

James Insurance Solutions serves individuals and business owners located in Florida. Its personal insurance products include policies for homes, which protect the customers' residential properties and belongings damaged by vandalism, theft, fire, sinkholes, and hurricane. It also assists policy buyers applying for renters', condo, motorcycle, automobile, and inland marine insurance. The Medicare health plans that it carries include Medicare Advantage, Supplement Insurance, and prescription drug coverage. James Insurance Solutions represents carriers like Ascendant, Citizens, and Edison.

Wilton Manors

Expertise.com Rating

Why choose this provider?

Pallant Insurance serves clients residing in Florida. It carries the best homeowners' insurance that protects clients and their finances from unexpected expenses. These may be caused by natural calamities or accidents that can potentially damage the policyholders' homes or injure their loved ones or guests. This kind of product also covers collectible cars, fine art pieces, jewelry, and wine collections in the insured residential properties. Pallant offers products from companies like Chubb, Universal Property, Lloyd�s, and Progressive.

Miami

Expertise.com Rating

Review Sources

Google
5.0 (9)

Why choose this provider?

LRB Insurance & Finance Solutions provides the best services throughout Florida. It assists individuals or families who want to apply for homeowners' insurance plans. These plans cover clients' expenses if their homes are unexpectedly affected by fire, natural disasters, vandalism, and theft. It also carries auto insurance policies to help clients recover or protect their finances after a car accident resulting in medical or damage liability. The independent agency gives clients an option to change or update their insurance policies through its websites.

St. Petersburg

Expertise.com Rating

Why choose this provider?

Moore Resources is an independent insurance agency that provides the best risk management products and services to clients residing in Florida. It provides a selection of personal insurance plans for homeowners, which cover their residential properties' repair and replacement costs. The company's team of agents also crafts various policies for condominiums and rented dwellings, as well as automobiles, motorcycles, and watercraft. Their commercial insurance products include coverage for workers� compensation, professional liability, bonds, and events.

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Academy Insurance Agency
6798 CROSSWINDS DR N #C108, St. Petersburg, FL 33710
FLB Insurance Agency
1716 Cape Coral Parkway East, Cape Coral, FL 33904
McDaniel Insurance Solutions
3443 Hancock Bridge Pkwy, North Fort Myers, FL 33903
The Starboard Insurance Group Inc
4763 Central Avenue, St Petersburg,, FL 33713
Mutual Insurance Agency
306 W Waters Ave, Tampa, FL 33604
All Star Insurance
3419 S Dale Mabry Hwy, Tampa, FL 33629
Steve Botkin
3038 N Federal Highway, Fort Lauderdale, FL 33306
We Insure
6320 S Dale Mabry Hwy, Tampa, FL 33611
Llewellyn Insurance Services
1801 16th Street North, St. Petersburg, FL 33704
Morning Star Insurance Agency
1803 Park Center Dr suite 200, Orlando, FL 32835
John Psomas
922 Lake Baldwin Lane, Suite A, Orlando, FL 32814
Ace Underwriting Group
3351 Hollywood Blvd, Hollywood, FL 33021
International Insurance & Tag Agency
1200 S Federal Hwy., Fort Lauderdale, FL 33316
Univista Insurance ? Colonial Dr.
7217 East Colonial Drive, Orlando, FL 32807
James Insurance Solutions
2100 5th Ave N, St Petersburg, FL 33713
Pallant Insurance
1800 NE 26th Street, Wilton Manors, FL 33339
LRB Insurance & Finance Solutions
142 Beacom Blvd. suite B, Miami, FL 33135
Moore Resources
4563 Central Avenue, St. Petersburg, FL 33713

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

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