Who Are The Top Rated Homeowners Insurance Companies In Florida?

Florida is considered one of the best places in the US to live and work thanks to its Northern subtropical and southern tropical climate. However, owning a home in Florida means homeowners get to pay some of the highest insurance rates in all of the United States. Who are the top rated homeowners insurance companies in Florida? Keep reading to find out why insurers justify these rates by reminding homeowners that Florida is prone to natural disasters.

For instance, the frequency of devastating hurricanes that are prone in this area. In fact, just recently (2017) Hurricane Irma hit Florida and caused $50 billion-plus worth of damage. That is the sole reason rates are so expensive.

Due to this, insurers frantically searched for trained real estate agents and non-trained personnel whom they spend time and monies training, in order to help them investigate and pay off insurance claims. Florida is simply a risky state to live in which results in billions of dollars worth of claims each year.

In addition to hurricane damages, tornadoes and wildfires are other natural disasters that strike far too often in this region. Also be sure to consider other disasters such as fires, arson, gas leaks and you can see why folk in Florida pay high premium insurance rates.

A lot of top rated homeowners insurance companies in Florida according to
floridainsurancequotes.net/florida-homeowners-insurance ,avoid offering their services in Florida due to the high number of settlements they have to make annually. However, some don’t shy away from offering their services, and although they charge premium rates, they keep homeowners hopeful. To make things much more straightforward, below is a list of the top rated homeowners insurance companies in Florida.

Citizens Property Insurance Corporation

The insurance company is backed by the state and offers its plans to property owners with no other insurance alternative. The majority of the claims they cover in their insurance packages include:

  • Sinkhole damage coverage
  • Personal property coverage
  • Wind-mitigation features installation
  • Fire alarm installation
  • Burglar alarm installation


The insurance company offers its services almost exclusively to retired and active military service members residing in Florida. The company prides itself in settling approved claims and leaving their customers happy with the experience.The company products are well outlined and are offered with substantial discounts. Their products cover the following:

  • Weather-related disasters
  • Vandalism
  • Fire
  • Theft

Tower Hill Insurance Group

The insurance company is revered for its coverage of extensive services including sewer, identity theft, water, and loss of valuables. The firm also provides unique flood insurance packages. When compared to other insurance firms, Tower Hill’s premiums are affordable.

The Emerald Endorsement insurance package covers a range of items. The Imperial Shield package is designed to help high-end property owners cover their properties in their entirety. For the unique flood insurance package, Tower Hill Insurance group offers a cover for up to $5 million in rebuilding costs and an additional $2.5 million to cover for the valuables within the home.


There are more top rated home insurance companies in Florida over at
floridainsurancequotes.net/florida-homeowners-insurance , but we found these three to be the most profound. Their insurance premiums and payments disbursed easily make them the best at what they do. You do want the best, right?