• A series of hurricanes that struck parts of Florida in 2004 caused massive losses for homeowners and insurance companies. Many companies fled the state, but obtaining good insurance at reasonable rates still is possible.

    Citizens Insurance

    Citizens Property Insurance Corp. is the state-run response to the major insurers' pullout. When other companies refuse coverage, Citizens will cover Florida homes.

    Florida Farm Bureau

    Florida Farm Bureau Casualty Insurance Company has been writing homeowner's policies in Florida for more than 50 years, and it offers home and auto discounts as well.

    Tower Hill

    The Tower Hill Insurance Group serves Floridians through several distinct but related insurance companies, and it has been in the Florida market for more than 30 years.

    Wind Mitigation

    Cut your insurance costs by adding wind-mitigation features to your home. Hurricane shutters and roof proper tie-downs are the most cost-effective. Discounts differ, but you can save as much as 50 percent.

    Compare Rates

    The Florida governor's office compiles a list of rates for each company and each county. You can review this information at its website.


    Rate comparison charts by county

    State Insurance Regulators

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