Florida Home Insurance Costs Spiked 18% in 2025, New Report Finds | Insurify
Florida’s average annual cost of home insurance hit $8,292 in 2025, an 18% increase over 2024, according to Insurify’s 2026 Insuring the American Homeowner Report. Home insurance costs have risen by more than 14% in the state since 2023.
Rates are likely to increase by another 2%