Our editorial team analyzed regional and national auto insurance companies that sell policies in Florida to assess which offer the best rates, coverage options, customer service, and savings to customers. We prioritized competitive rates, homeownership discounts or bundling options, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, and specialty or supplemental coverages.
Bundling home and auto insurance can make managing your insurance needs much easier. For starters, bundling coverages can earn you a discount, which might make it easier to fit your insurance costs into your budget. Beyond the savings, working with a single insurer creates less paperwork to keep up with.
In Florida, it’s especially important to have sufficient coverage for your vehicle and home, due to the state’s climate risks.
Here’s what you should know about bundling home and auto insurance in Florida.
Best home and auto insurance companies in Florida
Not all insurance companies offer the same opportunities to drivers and homeowners. While the right company for you varies based on your situation, the companies highlighted below consistently offer a worthwhile bundling option for drivers.
State Farm: Best overall
Allstate: Best for low auto rates
Travelers: Best for low homeowners rates
Progressive: Best for discount opportunities
Mile Auto: Best for low-mileage drivers
How bundling saves Florida drivers money
Many insurance companies offer a discount when you buy more than one type of insurance product. For example, buying your home and auto insurance policies through the same insurer can lead to a discount. Other types of insurance products with potential bundling discounts include life insurance, renters insurance, boat insurance, and more.1
Should you bundle your home and auto insurance?
The potential to save money is the main advantage of bundling your home and auto insurance policies. Beyond helping you save on coverage, bundling can also make managing your insurance policies easier. Dealing with bundle coverage through a single company can simplify and streamline your insurance needs.
But bundling isn’t always the right fit. For example, you may find more affordable options by keeping your policies separate. In that case, bundling won’t lead to savings.
More auto insurance discounts for Florida drivers
Bundling discounts aren’t the only way to save money. Many insurers offer Florida drivers multiple ways to save, including:
You should always confirm with your insurer what discounts you qualify for before finalizing your policy. If you aren’t sure, don’t hesitate to ask about your eligibility for a discount.
More homeowners insurance discounts for Florida drivers
Beyond bundling discounts, some insurance companies offer the following discounts to help you save on your home insurance premiums:
Retiree: Some insurance companies offer a discount to retirees.
Security system: Installing a security system can help protect your home and lead to a discount.
Claims free: If you avoid making a claim for several years, you might earn a discount on your premiums.
Payment method: Some insurers offer a discount when you pay for the policy in full or sign up for automatic payments.
Loyalty: If you stick with the same insurer for years, you might receive a discount.
New home buyer: Buying a relatively new house can earn you a discount on your insurance premiums.
Finding discounts could help you tap into significant savings for your home insurance policy.
Best home and auto insurance in Florida FAQs
The following answers may help answer your remaining questions as you explore your home and auto insurance options in Florida.
What is the best home and auto insurance in Florida?
Some of the companies offering the best home and auto insurance in Florida include State Farm, Travelers, Allstate, and Progressive. But the right insurer for you will vary based on your situation and insurance needs.
What is the cheapest home and auto insurance bundle in Florida?
Although rates vary based on your situation, many Floridians find the cheapest auto and home insurance options through Travelers, GEICO, and State Farm.
Why is my home insurance so high in Florida?
Compared to the national average, home insurance costs in Florida are very expensive. Some reasons for these elevated rates include a higher frequency of natural disasters and the state’s legal system.2
How much is home insurance on a $300,000 house in Florida?
Home insurance with $300,000 in dwelling coverage and a $1,000 deductible costs an average of $10,996 per year in Florida.
Is it really cheaper to bundle home and auto insurance?
It depends. In some cases, it’s cheaper to bundle your home and auto insurance. But it’s not always cheaper. You’ll need to shop around to find the most affordable rates for your unique situation.
Which home insurance company has the highest customer satisfaction in Florida?
Chubb earned the highest customer satisfaction rating in Florida in the J.D. Power 2024 U.S. Home Insurance Study.3
)
Insurance Writer
)
)
){kind=small}
){kind=small}