Renters and home insurance rates in Florida
The NAIC's published average premiums for Florida by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.
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Figures are published averages, never quotes; methodology at the foot of the page.
- average renters premium (HO-4), per year
- $181
- average homeowners premium (HO-3), per year
- $2,677
- renter households
- 2,794,102
By county
By county
| Miami-Dade County | 461,243 | $1,731 | $425,400 |
|---|---|---|---|
| Broward County | 275,320 | $1,804 | $380,400 |
| Hillsborough County | 221,932 | $1,543 | $333,300 |
| Orange County | 216,974 | $1,675 | $358,300 |
| Palm Beach County | 179,932 | $1,818 | $407,300 |
| Duval County | 169,894 | $1,385 | $274,900 |
| Pinellas County | 129,346 | $1,525 | $319,000 |
| Lee County | 83,155 | $1,597 | $326,300 |
| Polk County | 82,945 | $1,272 | $240,000 |
| Volusia County | 64,567 | $1,368 | $278,000 |
| Seminole County | 63,479 | $1,686 | $357,300 |
| Brevard County | 58,134 | $1,456 | $304,400 |
| Leon County | 58,101 | $1,230 | $279,800 |
| Pasco County | 56,307 | $1,372 | $265,800 |
| Alachua County | 51,802 | $1,255 | $266,800 |
| Sarasota County | 48,627 | $1,715 | $373,100 |
| Escambia County | 46,186 | $1,234 | $234,200 |
| Osceola County | 44,361 | $1,651 | $317,600 |
| Manatee County | 42,651 | $1,549 | $359,800 |
| Collier County | 38,642 | $1,752 | $486,800 |
| Marion County | 37,263 | $1,174 | $220,800 |
| Lake County | 37,241 | $1,468 | $287,900 |
| St. Lucie County | 29,415 | $1,489 | $305,800 |
| Okaloosa County | 27,126 | $1,475 | $324,800 |
| Bay County | 24,142 | $1,424 | $276,900 |
| St. Johns County | 19,525 | $1,775 | $457,600 |
| Clay County | 19,422 | $1,464 | $281,500 |
| Charlotte County | 14,706 | $1,289 | $291,000 |
| Hernando County | 14,639 | $1,209 | $240,700 |
| Santa Rosa County | 14,264 | $1,445 | $302,100 |
| Indian River County | 14,199 | $1,284 | $314,700 |
| Martin County | 13,492 | $1,499 | $386,500 |
| Monroe County | 12,678 | $1,959 | $723,800 |
| Citrus County | 10,572 | $1,069 | $223,200 |
| Highlands County | 9,686 | $980 | $177,900 |
| Flagler County | 9,293 | $1,687 | $333,400 |
| Putnam County | 8,394 | $902 | $147,300 |
| Sumter County | 7,963 | $1,225 | $356,000 |
| Columbia County | 7,782 | $915 | $186,400 |
| Walton County | 7,461 | $1,674 | $376,400 |
| Nassau County | 6,485 | $1,335 | $351,100 |
| Gadsden County | 4,462 | $792 | $154,700 |
| Jackson County | 4,340 | $846 | $113,900 |
| Suwannee County | 3,967 | $849 | $160,900 |
| Okeechobee County | 3,864 | $974 | $179,000 |
| Hendry County | 3,853 | $958 | $189,700 |
| DeSoto County | 3,631 | $910 | $151,500 |
| Levy County | 3,623 | $826 | $171,400 |
| Bradford County | 2,653 | $838 | $180,300 |
| Hardee County | 2,327 | $954 | $129,400 |
| Taylor County | 2,072 | $878 | $100,200 |
| Wakulla County | 1,970 | $1,155 | $216,300 |
| Madison County | 1,954 | $819 | $105,900 |
| Washington County | 1,875 | $884 | $156,000 |
| Holmes County | 1,649 | $823 | $101,400 |
| Baker County | 1,514 | $1,011 | $225,000 |
| Jefferson County | 1,413 | $790 | $198,800 |
| Gulf County | 1,145 | $1,161 | $235,700 |
| Gilchrist County | 1,126 | $855 | $191,000 |
| Franklin County | 1,120 | $1,044 | $254,300 |
| Union County | 1,107 | $846 | $160,400 |
| Hamilton County | 1,095 | $819 | $110,400 |
| Calhoun County | 1,069 | $680 | $134,000 |
| Dixie County | 991 | $792 | $96,900 |
| Glades County | 926 | $927 | $114,800 |
| Liberty County | 523 | $968 | $117,600 |
| Lafayette County | 487 | $880 | $131,600 |
Download the Florida county-level dataset (CSV), free to reuse with citation.
Sources, citation and related pages
Cite or embed this figure
The average annual renters insurance premium in Florida was $181 in 2022, across 2,794,102 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).
Cite as: "HomeCover HQ Rates Index: Florida", updated 2026-08-17, https://homecoverhq.com/rates/florida/.