Best and Worst Homeowners Insurance Companies in Florida (2024)

Every year I rank Homeowners Insurance companies based on my years of experience dealing with them on a daily basis with claims.

Here is the 2024 list of insurance companies that are either good or bad.

Want to see the 2023 list? See the link below for the video

My name is Mike Keeler, Licensed Public Adjuster in Florida

If you have a question or need help with claim, feel free to give me a call:

Phone : [phone]

[commonsense]

After paying for homeowner's insurance in FL for 33 years, and never even making a claim, it made sense to go bare, especially after rates went through the roof. But I'm careful to save the premium amount in a CD, so the repair funds will be readily available "just in case".

[dupagnem]

Thank you for the valuable information.

[richardsoto]

TY very good information more more more please

[eaopanama]

Thanks for the great information Mike! Have you heard of Open House home insurance, and what's your opinion?

[heathercross]

So what is the best pick? All the ones in the video you said were bad or so so.

[commonsense]

Where is State Farm on here? I still have it on a rental (investment) property in FL.

[jasondetreich]

I’ve had Universal for 19 years in Fl. I had a new roof in 2018 and the claim process was very easy and quick. They have recently raised my premium by $1, 000 a year and changed my $500 hurricane deductible to 2%. I’m skeptical of Kin and Slide which both have better rates. But I’ve been with the worst company all along 🤔🤷🏻‍♂️

[sandythermidor]

What’s your opinion on DR Horton home insurance

[TheSeangerber]

are Banks (mortgage writers) using there companies to write policies ? it used to be they were more than the private market but they are probably cheaper now

[RNoze]

KIN insurance was horrible for me. Premium went from $2400 to $7100 over 3 years. KIN is a virtual black whole. They have no real physical location that you can talk to someone. You just get pasted around on an automated phone system. I can NOT wait to switch

[mpg]

Wow have you opened our eyes brother. Florida sucks basically and maybe you just take your chances? We are still very confused as nationwide dropped us after zero claims in 20 years. Now, we keep getting quote from different insurance writers and they are seem to suck. They make it so confusing to homeowners. We get depressed as hell and loaded with stress everyday trying to pick one. Any suggestions, non flood zone, in Sarasota,

[kk-pzgn]

Universal No limitations on paper =equal bernie madoff papers

[melodystaub]

You also LIED about Kin Insurance water damage limits. They have FULL water damage coverage available dude! You ever actually read?!! Wow!

[melodystaub]

Lol not an agent. Won’t touch FL or MI because I am sick of listening to them whine and complain about basic math!

[melodystaub]

This guy is LYING to you. All insurance carriers writing homeowners insurance in Florida only made 150 million in profit in 2023. That is ALL insurance companies combined! In 2022 insurance companies paid out 1.53 Billion in claims. In 2021 they paid out 1.8 Billion. Source: Fortune Magazine, NOT insurance companies. The math doesn’t math dude! You lie!