Florida homeowners insurance · Official data, clear choices · 
Published by Bright Coast Insurance
Your Florida home. A clearer insurance choice.
Start with your county. See official homeowners insurance context, then talk through coverage for your home with Bright Coast Insurance. Coastal exposure deserves an honest conversation.
A licensed Bright Coast agent quotes you directly
Last checked 2026-11-01 against Florida OIR, OpenFEMA and official Florida sources.
County context. Coverage for your actual home.
The county tool uses published Florida OIR homeowners averages including wind. Averages describe the market; they do not predict the price for your property.
Ask Bright Coast to review your roof information, replacement cost, prior claims and coverage priorities before comparing proposals. The quote depends on the home and the terms offered.
Source: Florida OIR · July 2026 Property Insurance Stability Report, pp. 19–21 — Checked: 2026-11-01
Choose the hurricane deductible deliberately
Florida’s hurricane deductible offers are governed by s. 627.701, with exceptions tied to dwelling limits and other conditions. Ask which choices apply to your policy.
Review the deductible alongside the dwelling limit and the cash you could put toward a covered loss. Ask the agent to explain the proposed wording.
Source: Florida Statutes s. 627.701 (hurricane deductibles) — Checked: 2026-11-01
OpenFEMA · June 2026 · Single-family
Add flood to your homeowners policy
Bright Coast quotes private flood markets as well as NFIP.
NFIP flood policy median (federal flood only) · reference only, not our price or a quote.
| County | A/AE · NFIP flood policy median (federal flood only) | V/VE · NFIP flood policy median (federal flood only) | X · NFIP flood policy median (federal flood only) |
|---|---|---|---|
| Lee County | $2,036 3,088 policies | $1,706 61 policies | $1,264 1,224 policies |
| Collier County | $1,908 1,110 policies | — | $1,267 755 policies |
| Miami-Dade County | $941 3,722 policies | — | $1,252 865 policies |
| Charlotte County | — | — | — |
| Hendry County | — | — | — |
| Broward County | — | — | — |
| Monroe County | — | — | — |
Source: OpenFEMA Redacted Policies v3. Occupancy type 11; effective June 1–30, 2026. Split uses the current floodZone field, named floodZoneCurrent in v3, rather than ratedFloodZone. Medians use policyCost (premium plus federal fees and assessments); counts sum policyCount. Zones other than A/AE, V/VE and X, and unknown zones, are excluded from splits. Groups with fewer than 30 policies are hidden; — means no publishable sample. Federal flood only, not homeowners, private flood or association master-policy prices. Retrieved November 1, 2026.
More coverage
HOA / Condo associations, then personal auto
Asked every week
Quick answers
Is the county homeowners average my quote?
No. The Florida OIR average is market context as of March 31, 2026, published July 1, 2026. Your property, insured value, insurer, deductible and terms affect your quote.
Can you guarantee me cheap insurance in Florida?
No, nobody can honestly promise a cheap price. What we can do is show what actually moves cost, like your hurricane deductible choice, your community's CRS flood discount and your flood zone.
Who is behind Find Cheap Insurance Rates?
Bright Coast Insurance publishes Find Cheap Insurance Rates. Its licensed agent is Nicholas Mladucky, FL General Lines (P&C) W330601, under agency license L103957. You can reach the team at (239) 475-0361 or support@brightcoastins.com, Mon-Fri 8 AM-5 PM ET, and Spanish service is available.
From our publisher
Compare Florida home, flood and auto quotes with Bright Coast
Tell us what you want to insure. A licensed agent reviews it and calls you back.
Or call (239) 475-0361