When it comes to insurance, Floridians have a lot of options. With hundreds of companies offering home, auto, life, and other types of insurance, it can be tough to know where to start. Fortunately, we’ve done the legwork for you and compiled a list of the best insurance companies in Florida. Whether you’re looking for affordable rates or top-notch customer service, these companies have got you covered.
Top 5 Home Insurance Companies in Florida
Home insurance is a must for Florida residents, especially given the state’s vulnerability to hurricanes and other natural disasters. The following companies offer some of the best home insurance policies in Florida:
Company |
Ranking |
Customer Rating (out of 5) |
|---|---|---|
State Farm |
1 |
4.5 |
Allstate |
2 |
4.5 |
USAA |
3 |
4.7 |
Progressive |
4 |
4.2 |
Liberty Mutual |
5 |
4.2 |
State Farm
State Farm is one of the largest insurance companies in the United States and has a strong presence in Florida. With solid financial ratings and a range of customizable policies, State Farm is a great choice for homeowners looking for reliable coverage.
Customers praise State Farm’s helpful agents and easy-to-use website. State Farm also offers discounts for bundling home and auto insurance and for installing safety features such as smoke detectors and deadbolt locks.
As with any insurance company, rates can vary based on location, coverage limits, and other factors. However, State Farm generally offers competitive rates in Florida.
If you’re in the market for home insurance, be sure to get a quote from State Farm.
Allstate
Allstate is another well-known insurance company that offers home insurance in Florida. Allstate has a solid reputation for customer service and offers a range of discounts, including a welcome discount for new customers.
One unique feature of Allstate is its Claim Satisfaction Guarantee, which promises to refund your premium if you’re not satisfied with how a claim was handled. Allstate also offers optional coverage for things like identity theft and water backup.
As with any insurance company, rates can vary based on location, coverage limits, and other factors. However, Allstate generally offers competitive rates in Florida.
If you’re looking for a reliable home insurance policy with great customer service, Allstate is a great option.
USAA
While USAA is only available to military members and their families, it’s worth mentioning due to its high customer satisfaction ratings and comprehensive coverage options.
USAA offers coverage for things like flood, earthquake, and hurricane damage as well as a range of discounts for things like bundling policies and installing safety features.
If you’re eligible for USAA, it’s definitely worth getting a quote, as the company consistently ranks highly in customer satisfaction surveys.
Progressive
While Progressive is best known for its auto insurance offerings, it also offers home insurance in Florida. Progressive’s policies are flexible and customizable, with options for things like water damage and personal property coverage.
Progressive also offers a number of discounts, including a multi-policy discount for customers who bundle home and auto insurance.
If you’re already a Progressive auto insurance customer, it’s worth considering their home insurance offerings as well, as you may be able to save on your premiums by bundling.
Liberty Mutual
Liberty Mutual is another large insurance company that offers home insurance in Florida. Liberty Mutual’s policies are customizable and offer a range of coverage options.
Liberty Mutual also offers discounts for things like bundling policies and installing safety features. Customers praise Liberty Mutual’s helpful agents and easy-to-use website.
While Liberty Mutual may not be the cheapest option for home insurance, it’s worth considering if you value excellent customer service and a wide range of coverage options.
Top 5 Auto Insurance Companies in Florida
Auto insurance is required by law in Florida, so it’s important to find a policy that meets your needs and fits your budget. The following companies offer some of the best auto insurance policies in Florida:
Company |
Ranking |
Customer Rating (out of 5) |
|---|---|---|
Geico |
1 |
4.5 |
State Farm |
2 |
4.5 |
Allstate |
3 |
4.5 |
Progressive |
4 |
4.2 |
Liberty Mutual |
5 |
4.2 |
Geico
Geico is one of the largest auto insurance companies in the United States and offers affordable rates in Florida. Geico’s policies are customizable and can include things like roadside assistance, rental car coverage, and uninsured motorist coverage.
Customers praise Geico’s easy-to-use website and helpful customer service. Geico also offers a range of discounts, including a multi-policy discount for customers who bundle auto and home insurance.
Overall, Geico is a great option for Floridians looking for affordable auto insurance with solid customer service.
State Farm
State Farm also offers auto insurance in Florida and is known for its excellent customer service. State Farm’s policies are customizable and can include things like comprehensive coverage, rental reimbursement, and emergency roadside service.
Customers praise State Farm’s helpful agents and easy-to-use website. State Farm also offers a range of discounts for things like good driving behavior and safe vehicle use.
If you’re looking for an auto insurance policy with excellent customer service and a range of coverage options, State Farm is a great option.
Allstate
Allstate also offers auto insurance in Florida and is known for its solid customer service. Allstate’s policies are customizable and can include things like collision coverage, personal injury protection, and roadside assistance.
Customers praise Allstate’s helpful agents and easy-to-use online tools. Allstate also offers a range of discounts, including a multi-policy discount for customers who bundle auto and home insurance.
Overall, Allstate is a great option for Floridians looking for reliable auto insurance with a range of coverage options.
Progressive
As mentioned earlier, Progressive is best known for its auto insurance offerings. Progressive’s policies are customizable and can include things like collision coverage, comprehensive coverage, and roadside assistance.
Customers praise Progressive’s easy-to-use website and helpful customer service. Progressive also offers a range of discounts, including a multi-policy discount for customers who bundle auto and home insurance.
If you’re already a Progressive home insurance customer, it’s worth considering their auto insurance offerings as well, as you may be able to save on your premiums by bundling.
Liberty Mutual
Liberty Mutual also offers auto insurance in Florida. Liberty Mutual’s policies are customizable and can include things like collision coverage, personal injury protection, and roadside assistance.
Customers praise Liberty Mutual’s helpful agents and easy-to-use website. Liberty Mutual also offers a range of discounts, including a multi-policy discount for customers who bundle auto and home insurance.
If you’re looking for an auto insurance policy with excellent customer service and a range of coverage options, Liberty Mutual is a great option.
Frequently Asked Questions
What factors affect my insurance rates in Florida?
Several factors can affect your insurance rates in Florida, including your location, driving record, credit score, age, and the type of coverage you’re seeking. It’s a good idea to shop around and compare quotes from multiple insurance companies to find the best rates.
What types of insurance are required by law in Florida?
Florida requires drivers to carry Personal Injury Protection (PIP) and Property Damage Liability (PDL) insurance. Homeowners are not required by law to carry insurance, but it’s strongly recommended given the state’s vulnerability to natural disasters.
What should I look for when choosing an insurance company?
When choosing an insurance company, it’s important to consider factors like financial stability, customer service, coverage options, and discounts. You should also read reviews and compare quotes from multiple companies before making a decision.
What discounts are available for insurance in Florida?
Many insurance companies offer discounts for things like bundling policies, safe driving behavior, and installing safety features such as smoke detectors and deadbolt locks. Be sure to ask your insurance company about what discounts are available to you.
There are several ways to save money on your insurance premiums in Florida, including bundling policies, raising your deductible, and taking advantage of discounts. It’s also a good idea to shop around and compare quotes from multiple companies to ensure you’re getting the best rates.
Conclusion
Choosing the right insurance company is an important decision, as it can impact your financial stability and peace of mind. By considering factors like coverage options, discounts, and customer service, you can find an insurance company that meets your needs and fits your budget. Whether you’re in the market for home, auto, or other types of insurance, be sure to compare quotes from multiple companies and read reviews before making a decision.