Free resource
Florida home insurance: official resources
Most states publish tools nobody knows about: sample rate comparisons, consumer guides, complaint lines, and an insurer of last resort. Pick your state to find yours.
These links go to official state government sites. Sample rates are not quotes. CoverageDecoder receives nothing from any state or insurer, and a cheaper company on a state's list is not a recommendation from us.
Florida
Talk to a person
Florida Office of Insurance Regulation (rates) and Florida Department of Financial Services (consumer help)
Compare sample rates
CHOICES homeowners rate comparison
Sample average rates by county for three example homes, including Citizens. Sample rates, not quotes.
File a complaint
File a complaint with the Florida Office of Insurance Regulation
If no company will insure you
Money to strengthen your home
- My Safe Florida HomeState program offering wind-mitigation inspections and grants to harden a home against hurricanes. Eligibility and funding change from year to year; the site has the current rules.
Links verified September 3, 2026. Found a broken one? Email support@coveragedecoder.com.
All links open the state's own site in a new tab.
So... is it in YOUR policy?
Your state's department can tell you what companies charge. CoverageDecoder tells you what your own policy says. The free quick check is built from your answers about your home and walks through the topics they point to. Upload your own policy document for the one-time $9 full review, which also shows you what it found, with no insurance jargon.
No app to download. No subscription. The quick check is free. The full review is a one-time $9.
CoverageDecoder is an educational tool, not insurance advice. For decisions about your coverage, talk with your licensed insurance agent.