{"id":3306,"date":"2025-11-11T17:56:11","date_gmt":"2025-11-11T17:56:11","guid":{"rendered":"https:\/\/www.gethomeinsurancequotes.com\/blog\/?p=3306"},"modified":"2025-11-11T17:56:14","modified_gmt":"2025-11-11T17:56:14","slug":"florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look","status":"publish","type":"post","link":"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/","title":{"rendered":"Florida Homeowners Can Cut Insurance Bills \u2014Here\u2019s How, and Which Companies are Worth a Look"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

Florida homeowners have spent years paying some of the highest homeowner-insurance premiums in the nation. But the market is slowly stabilizing and there are concrete, immediate steps homeowners can take to shrink premiums \u2014 from simple paperwork to Florida\u2019s \u201cMy Safe Florida Home\u201d program \u2014 while shopping smarter for companies that combine strong service with competitive pricing.<\/p>\n\n\n\n

How much are Floridians paying \u2014 and why it varies so much<\/h2>\n\n\n\n

Estimates vary depending on the data source, the sample home used and where the house sits. A recent analysis puts Florida\u2019s statewide average among the most expensive in the U.S. (roughly\u00a0$5,700\u2013$5,800 per year<\/strong>\u00a0using a broad national dataset), while consumer-site sampling that uses a specific $300,000 dwelling example shows a lower state average closer to\u00a0$2,600 per year<\/strong>\u00a0\u2014 with big city-to-city swings (Miami and other coastal cities commonly exceed $5,000 annually; inland cities like Gainesville and Ocala can be much lower). This wide range reflects major differences in coverage amount, deductible, flood risk, roof age and ZIP-code hurricane exposure.<\/p>\n\n\n\n

Top 6 Best Ways to Save Money on Florida Homeowners Insurance<\/h2>\n\n\n\n
    \n
  1. Get a wind-mitigation inspection and claim credits.<\/strong>
    Florida law and regulators require insurers to offer discounts for wind-mitigation features (impact windows\/doors, roof straps, secondary water barriers, etc.). A certified wind-mitigation inspection (OIR-B1-1802 form) documents qualifying features so insurers must apply the credit. Many homeowners save hundreds per year; deeper upgrades can produce larger reductions. The state\u2019s \u201cMy Safe Florida Home\u201d program also offers inspections and matching grants to help pay for qualifying upgrades.<\/li>\n\n\n\n
  2. Fix or certify your roof \u2014 quickly.<\/strong>
    Insurers are increasingly strict about roof age and condition. Replacing an old roof with a code-compliant or Class-4 impact-rated roof often produces both eligibility and price benefits; conversely, an older roof can trigger nonrenewal. Get documentation to show the insurer.<\/li>\n\n\n\n
  3. Raise your deductible or tweak coverages (carefully).<\/strong>
    Increasing your hurricane or all-peril deductible lowers premium. Also review optional endorsements (e.g., personal property riders, ordinance & law coverage) \u2014 remove or lower limits you don\u2019t need, but keep rebuilding limits sufficient for today\u2019s construction costs.<\/li>\n\n\n\n
  4. Bundle policies and ask about discounts.<\/strong>
    Bundling home and auto, maintaining a claims-free history, paying annual rather than monthly, installing monitored alarms, and maintaining good credit can all reduce premiums. Different companies weight discounts<\/a> differently \u2014 ask for a full list.<\/li>\n\n\n\n
  5. Shop and compare every renewal (and use state tools).<\/strong>
    Rates vary greatly by company and ZIP code. Florida\u2019s Office of Insurance Regulation offers the CHOICES rate-comparison tool to help consumers compare sample rates \u2014 use it or get multiple competitive quotes from independent agents or online marketplaces. The market is becoming more competitive, so shopping can pay off.     Let us shop multiple rates for you all-in-one place!<\/a><\/li>\n\n\n\n
  6. Consider moving from Citizens only if the private market is comparable.<\/strong>
    Citizens Property Insurance is the state insurer of last resort. Legislative reforms and private carriers\u2019 return to Florida have pushed many homeowners off Citizens and into the private market; in some areas that\u2019s producing comparable or lower rates, but always compare coverages and price before you switch.<\/li>\n<\/ol>\n\n\n\n

    Which companies are currently best (service + value) \u2014 and what to expect to pay<\/h3>\n\n\n\n

    No single \u201cbest\u201d company fits every homeowner in Florida \u2014 availability varies by ZIP, roof age and claims history \u2014 but recent consumer analyses and industry studies highlight a few names:<\/p>\n\n\n\n

      \n
    • Chubb, Amica and USAA (highly rated for service and claims handling).<\/strong>
      These carriers routinely top customer-satisfaction lists for homeowners claims and policyholder service; they tend to cater to higher-value homes (Chubb) or specific member groups (USAA: military families). They may be pricier in many markets but deliver lower complaint rates and broader coverages.<\/li>\n\n\n\n
    • State Farm (often a more affordable mainstream option).<\/strong>
      In sample analyses used by consumer sites, State Farm frequently appears as one of the more affordable large writers in Florida (example sample average shown \u2248\u00a0$2,520\/year<\/strong>\u00a0under NerdWallet\u2019s modeled scenario), though real quotes will vary dramatically by ZIP and dwelling value.<\/li>\n\n\n\n
    • Regional Florida writers (e.g., Security First, Florida Peninsula, Universal, Tower Hill, etc.).<\/strong>
      Several Florida-based and specialty writers have expanded or adjusted underwriting \u2014 some have filed rate decreases in 2024\u20132025 as the market stabilized. That trend has delivered real savings for some policyholders and increased options for homeowners leaving Citizens. If available for your property, these regional carriers can be competitive, but underwriting differences matter.<\/li>\n<\/ul>\n\n\n\n

      Typical price expectations (very approximate):<\/strong><\/h3>\n\n\n\n
        \n
      • Lower end (inland, newer roof, low flood risk, high deductible):\u00a0~$1,700\u2013$3,000\/yr<\/strong>\u00a0(some cities much lower).<\/li>\n\n\n\n
      • Mid range (many Florida suburbs, average roof\/credits):\u00a0~$2,500\u2013$4,500\/yr<\/strong>.<\/li>\n\n\n\n
      • High end (coastal, older roof, low mitigation):\u00a0$5,000\u2013$10,000+\/yr<\/strong>\u00a0in expensive ZIPs like Miami, Hialeah or certain barrier-island locations.
        These brackets are illustrative \u2014 get local quotes. (See cited consumer analyses and county-level data for specifics.)<\/li>\n<\/ul>\n\n\n\n

        How to approach your next renewal \u2014 a 7-step checklist<\/h4>\n\n\n\n
          \n
        1. Run CHOICES<\/strong>\u00a0or get 3+ quotes from independent agents.<\/li>\n\n\n\n
        2. Order a wind-mitigation inspection<\/strong>\u00a0(and apply for My Safe Florida Home help if eligible).<\/li>\n\n\n\n
        3. Document roof age\/condition<\/strong>\u00a0and any recent upgrades \u2014 send paperwork to prospective carriers.<\/li>\n\n\n\n
        4. Compare total out-of-pocket exposure<\/strong>\u00a0(deductible + premiums) \u2014 not just sticker price.<\/li>\n\n\n\n
        5. Ask about underwriting rules<\/strong>\u00a0(does the insurer decline homes with roofs >15 years? do they exclude certain hurricane damage?).<\/li>\n\n\n\n
        6. Consider bundling<\/strong>\u00a0with auto or umbrella liability for discounts.<\/li>\n\n\n\n
        7. If on Citizens<\/strong>, compare private market offers carefully before transferring; Citizens can remain backup if private rates jump later.<\/li>\n<\/ol>\n\n\n\n

          Save more by focusing on these 2 things:<\/h4>\n\n\n\n
            \n
          • Location and roof matter more than brand.<\/strong>\u00a0ZIP code, flood zone and roof construction are the two biggest price drivers in Florida. Investing in mitigation can pay back for years.<\/li>\n\n\n\n
          • The market is improving but unevenly.<\/strong>\u00a0Some carriers have filed rate decreases and private capacity is returning, but not every homeowner will see immediate cuts \u2014 outcomes depend on local flood, wind exposure and individual underwriting.<\/li>\n<\/ul>\n\n\n\n

            <\/p>\n","protected":false},"excerpt":{"rendered":"

            Florida homeowners have spent years paying some of the highest homeowner-insurance premiums in the nation. But the market is slowly stabilizing and there are concrete, immediate steps homeowners can take to shrink premiums \u2014 from simple paperwork to Florida\u2019s \u201cMy Safe Florida Home\u201d program \u2014 while shopping smarter for companies that combine strong service with […]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[36],"tags":[282,227,80,1157,347],"class_list":["post-3306","post","type-post","status-publish","format-standard","hentry","category-florida","tag-coverages","tag-florida","tag-home-insurance-rates","tag-lowering-premiums","tag-saving-money"],"yoast_head":"\nFlorida Homeowners Can Cut Insurance Bills \u2014Here\u2019s How, and Which Companies are Worth a Look - Homeowners Insurance Blog<\/title>\n<meta name=\"description\" content=\"Florida homeowners have spent years paying some of the highest homeowner-insurance premiums in the nation. But the market is slowly stabilizing and there\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Florida Homeowners Can Cut Insurance Bills \u2014Here\u2019s How, and Which Companies are Worth a Look - Homeowners Insurance Blog\" \/>\n<meta property=\"og:description\" content=\"Florida homeowners have spent years paying some of the highest homeowner-insurance premiums in the nation. But the market is slowly stabilizing and there\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/\" \/>\n<meta property=\"og:site_name\" content=\"Homeowners Insurance Blog\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-11T17:56:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-11T17:56:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2025\/11\/cut-florida-home-insurance-rates.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"667\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mark Vallet\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mark Vallet\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/\"},\"author\":{\"name\":\"Mark Vallet\",\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/#\/schema\/person\/518325eb863e9298eb42f364afec45e8\"},\"headline\":\"Florida Homeowners Can Cut Insurance Bills \u2014Here\u2019s How, and Which Companies are Worth a Look\",\"datePublished\":\"2025-11-11T17:56:11+00:00\",\"dateModified\":\"2025-11-11T17:56:14+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/\"},\"wordCount\":969,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2025\/11\/cut-florida-home-insurance-rates.jpg\",\"keywords\":[\"coverages\",\"florida\",\"home insurance rates\",\"lowering premiums\",\"saving money\"],\"articleSection\":[\"Florida\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/\",\"url\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/\",\"name\":\"Florida Homeowners Can Cut Insurance Bills \u2014Here\u2019s How, and Which Companies are Worth a Look - Homeowners Insurance Blog\",\"isPartOf\":{\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2025\/11\/cut-florida-home-insurance-rates.jpg\",\"datePublished\":\"2025-11-11T17:56:11+00:00\",\"dateModified\":\"2025-11-11T17:56:14+00:00\",\"description\":\"Florida homeowners have spent years paying some of the highest homeowner-insurance premiums in the nation. But the market is slowly stabilizing and there\",\"breadcrumb\":{\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/#primaryimage\",\"url\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2025\/11\/cut-florida-home-insurance-rates.jpg\",\"contentUrl\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2025\/11\/cut-florida-home-insurance-rates.jpg\",\"width\":1000,\"height\":667},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Florida Homeowners Can Cut Insurance Bills \u2014Here\u2019s How, and Which Companies are Worth a Look\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/#website\",\"url\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/\",\"name\":\"Best Homeowners Insurance Blog\",\"description\":\"Your source for home insurance information, tips, and resources.\",\"publisher\":{\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/#organization\",\"name\":\"GetHomeInsuranceQuotes.com\",\"url\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2023\/09\/get-home-insurance-quotes-logo.png\",\"contentUrl\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2023\/09\/get-home-insurance-quotes-logo.png\",\"width\":200,\"height\":80,\"caption\":\"GetHomeInsuranceQuotes.com\"},\"image\":{\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/x.com\/HomeInsKing\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/#\/schema\/person\/518325eb863e9298eb42f364afec45e8\",\"name\":\"Mark Vallet\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/5b11ce9eb09ba7b8a35f0ba9ec696fed?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/5b11ce9eb09ba7b8a35f0ba9ec696fed?s=96&d=mm&r=g\",\"caption\":\"Mark Vallet\"},\"description\":\"Mark Vallet specializes in home insurance news, research and consumer supported information. Vallet is greatly admired and supported by both insurance professionals and homeowners looking for information to help them make wise decisions when it comes to buying a home or purchasing home insurance coverage.\",\"url\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/author\/mark\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Florida Homeowners Can Cut Insurance Bills \u2014Here\u2019s How, and Which Companies are Worth a Look - Homeowners Insurance Blog","description":"Florida homeowners have spent years paying some of the highest homeowner-insurance premiums in the nation. But the market is slowly stabilizing and there","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/","og_locale":"en_US","og_type":"article","og_title":"Florida Homeowners Can Cut Insurance Bills \u2014Here\u2019s How, and Which Companies are Worth a Look - Homeowners Insurance Blog","og_description":"Florida homeowners have spent years paying some of the highest homeowner-insurance premiums in the nation. But the market is slowly stabilizing and there","og_url":"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/","og_site_name":"Homeowners Insurance Blog","article_published_time":"2025-11-11T17:56:11+00:00","article_modified_time":"2025-11-11T17:56:14+00:00","og_image":[{"width":1000,"height":667,"url":"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2025\/11\/cut-florida-home-insurance-rates.jpg","type":"image\/jpeg"}],"author":"Mark Vallet","twitter_misc":{"Written by":"Mark Vallet","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/#article","isPartOf":{"@id":"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/"},"author":{"name":"Mark Vallet","@id":"https:\/\/www.gethomeinsurancequotes.com\/blog\/#\/schema\/person\/518325eb863e9298eb42f364afec45e8"},"headline":"Florida Homeowners Can Cut Insurance Bills \u2014Here\u2019s How, and Which Companies are Worth a Look","datePublished":"2025-11-11T17:56:11+00:00","dateModified":"2025-11-11T17:56:14+00:00","mainEntityOfPage":{"@id":"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/"},"wordCount":969,"commentCount":0,"publisher":{"@id":"https:\/\/www.gethomeinsurancequotes.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/#primaryimage"},"thumbnailUrl":"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2025\/11\/cut-florida-home-insurance-rates.jpg","keywords":["coverages","florida","home insurance rates","lowering premiums","saving money"],"articleSection":["Florida"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/","url":"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/","name":"Florida Homeowners Can Cut Insurance Bills \u2014Here\u2019s How, and Which Companies are Worth a Look - Homeowners Insurance Blog","isPartOf":{"@id":"https:\/\/www.gethomeinsurancequotes.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/#primaryimage"},"image":{"@id":"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/#primaryimage"},"thumbnailUrl":"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2025\/11\/cut-florida-home-insurance-rates.jpg","datePublished":"2025-11-11T17:56:11+00:00","dateModified":"2025-11-11T17:56:14+00:00","description":"Florida homeowners have spent years paying some of the highest homeowner-insurance premiums in the nation. But the market is slowly stabilizing and there","breadcrumb":{"@id":"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/#primaryimage","url":"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2025\/11\/cut-florida-home-insurance-rates.jpg","contentUrl":"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2025\/11\/cut-florida-home-insurance-rates.jpg","width":1000,"height":667},{"@type":"BreadcrumbList","@id":"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-homeowners-can-cut-insurance-bills-heres-how-and-which-companies-are-worth-a-look\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.gethomeinsurancequotes.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Florida Homeowners Can Cut Insurance Bills \u2014Here\u2019s How, and Which Companies are Worth a Look"}]},{"@type":"WebSite","@id":"https:\/\/www.gethomeinsurancequotes.com\/blog\/#website","url":"https:\/\/www.gethomeinsurancequotes.com\/blog\/","name":"Best Homeowners Insurance Blog","description":"Your source for home insurance information, tips, and resources.","publisher":{"@id":"https:\/\/www.gethomeinsurancequotes.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.gethomeinsurancequotes.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.gethomeinsurancequotes.com\/blog\/#organization","name":"GetHomeInsuranceQuotes.com","url":"https:\/\/www.gethomeinsurancequotes.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.gethomeinsurancequotes.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2023\/09\/get-home-insurance-quotes-logo.png","contentUrl":"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2023\/09\/get-home-insurance-quotes-logo.png","width":200,"height":80,"caption":"GetHomeInsuranceQuotes.com"},"image":{"@id":"https:\/\/www.gethomeinsurancequotes.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/x.com\/HomeInsKing"]},{"@type":"Person","@id":"https:\/\/www.gethomeinsurancequotes.com\/blog\/#\/schema\/person\/518325eb863e9298eb42f364afec45e8","name":"Mark Vallet","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.gethomeinsurancequotes.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/5b11ce9eb09ba7b8a35f0ba9ec696fed?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/5b11ce9eb09ba7b8a35f0ba9ec696fed?s=96&d=mm&r=g","caption":"Mark Vallet"},"description":"Mark Vallet specializes in home insurance news, research and consumer supported information. Vallet is greatly admired and supported by both insurance professionals and homeowners looking for information to help them make wise decisions when it comes to buying a home or purchasing home insurance coverage.","url":"https:\/\/www.gethomeinsurancequotes.com\/blog\/author\/mark\/"}]}},"_links":{"self":[{"href":"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-json\/wp\/v2\/posts\/3306"}],"collection":[{"href":"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-json\/wp\/v2\/comments?post=3306"}],"version-history":[{"count":1,"href":"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-json\/wp\/v2\/posts\/3306\/revisions"}],"predecessor-version":[{"id":3308,"href":"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-json\/wp\/v2\/posts\/3306\/revisions\/3308"}],"wp:attachment":[{"href":"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-json\/wp\/v2\/media?parent=3306"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-json\/wp\/v2\/categories?post=3306"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-json\/wp\/v2\/tags?post=3306"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}