Florida Homeowners Insurance Calculator

Answer eleven questions about your Florida home, from its rebuild value, age and construction to roof age, wind mitigation, claims and region, and this free calculator returns an estimated annual and monthly homeowners premium with the factors that move it most. It is built from Florida OIR rate filings and market data, and it asks for no personal information.

Free Florida homeowners insurance calculator: 11 questions about your home, roof, wind mitigation and county give you an estimated premium. No personal info.

Figures reviewed against Florida Statutes and carrier bulletins on October 22, 2026.

How to use the Florida homeowners insurance calculator

Six steps from property type to an estimated annual premium, using the same levers Florida carriers rate on.

  1. Pick the property type. Single-family home, townhouse or condo unit. Condo answers price an HO-6 walls-in policy instead of a full dwelling policy.
  2. Enter the rebuild value, year built and construction. Use the cost to rebuild, not the sale price, and choose concrete block, masonry, wood frame, steel or manufactured. Homes built to the post-2001 Florida Building Code price lower.
  3. Describe the roof. Roof type (hip, gable, flat, tile or metal) and roof age, the answer that most often decides whether a carrier will write the home at all.
  4. Mark wind mitigation, pool and claims. Full, partial, basic or no wind mitigation features, the type of pool if any, and the number of claims filed in the past five years.
  5. Choose a credit tier and region. A credit-score range and the part of Florida the home is in, from eighteen regions. Coastal South Florida and the Keys price highest, inland North Florida lowest.
  6. Read the estimate and the levers. The result shows an annual and monthly premium, how it compares with the Florida average and the savings opportunities that fit your answers. Send it to Atesa for quotes across 40+ carriers.

Frequently Asked Questions

How much is homeowners insurance in Florida in 2026?

The Florida Office of Insurance Regulation's 2026 figures put the statewide average homeowners premium at $3,736, with county averages running from $2,105 in Sumter County to $7,863 in Monroe County, and the average fell in 51 of 67 counties in OIR's latest comparison. Your own premium depends on rebuild value, age, construction, roof, wind mitigation, claims, credit and location, which is exactly what this calculator asks.

How does the Florida homeowners insurance calculator work?

It starts from Florida market data for your region and property type and applies factors for the home's rebuild value, year built, construction, roof type and age, wind mitigation, pool, claims history and credit tier, the same levers carriers rate on. The result is an estimated annual and monthly premium with the biggest savings opportunities, not a quote; carrier underwriting sets the final price.

Why does roof age matter so much on a Florida homeowners policy?

Under Florida Statute 627.7011(5) an insurer may not refuse to write or renew a home solely because of the roof's age when the roof is under 15 years old, and for an older roof an inspection showing at least five years of remaining useful life keeps age from being the sole reason. Roof age still drives the price and the carriers willing to quote, so the calculator asks for it directly.

How much can wind mitigation save on Florida homeowners insurance?

Florida Statute 627.0629 requires residential rate filings to include discounts for wind-mitigation features such as roof-to-wall straps or clips, a hip roof, secondary water resistance and impact-rated opening protection. The size of the discount depends on the carrier's filing and the features a licensed inspector documents on a wind mitigation inspection report, so the calculator asks for full, partial, basic or no mitigation.

What hurricane deductible should I choose?

Florida Statute 627.701(3) requires residential insurers to offer hurricane deductibles of $500, 2%, 5% and 10% of the dwelling limit. A 2% deductible on a $400,000 dwelling limit is $8,000 you pay before the policy responds to a named-storm loss, so a higher percentage lowers the premium only as far as you could fund that amount the week after a storm.

Are Florida homeowners insurance rates going down in 2026?

Citizens Property Insurance Corporation's approved 2026 rates cut HO-3 homeowners premiums an average of 8.7% statewide, effective July 1, 2026 for new policies and at renewal for existing ones, and OIR's county figures show average premiums fell in 51 of 67 counties. Private carriers file their own rates, so compare the calculator's estimate with your renewal and shop if the gap is wide.

Does the calculator work for a condo or townhouse?

Yes. The first question asks whether the property is a single-family home, a townhouse or a condo unit, and the condo path prices an HO-6 walls-in policy instead of a full dwelling policy. Condo owners can also use the dedicated condo insurance calculator, which adds an estimator for the interior coverage the association's master policy leaves to the unit owner.

Is the estimate a quote, and do I have to give my contact information?

No and no. The number is an educational estimate built from Florida OIR rate filings and public market data; a quote comes from a carrier after underwriting. You can run the calculator without entering a name, email or phone number. When you want real pricing, Atesa Risk Advisors quotes the home across 40+ carriers in one business day.

Related Guides

Get a free quote or call (904) 900-5063 — Atesa Risk Advisors, independent Florida insurance brokerage.