Raymundo and the whole staff have been really resourceful with assisting me with my insurance services. I am beyond pleased with their hospitality thanks.
Florida Homeowners Insurance Quotes
Published October 25, 2026
Call or text 813-302-7151
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813-302-7151
813-302-7151
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We serve clients across Florida and work with multiple insurance carriers to help individuals, families, and business owners compare coverage options that fit their state and industry requirements.
We serve clients across Florida and work with multiple insurance carriers to help individuals, families, and business owners compare coverage options that fit their state and industry requirements.
a week ago
Excellent service and very professional staff. They made the process easy, answered all my questions, and helped me find the right coverage. Highly recommended!
4 months ago
Communication is great and process made sinple. Very educated and professional.
2 weeks ago
Great attention to detail with exceptional service, thanks for your help 👍 definitely will recommend your services to friends and family.
a month ago
Ray & His Team have been beyond helpful these past years and continuing! Easy to communicate with, guidance throughout the process big or small company, he’s got you covered!
3 months ago
Reviews reflect individual customer opinions and experiences. They do not guarantee specific coverage, pricing, service timing, or claim outcomes.
Covered by Guzman compares Florida homeowners insurance quotes for houses, condos, rental homes, mobile homes and renters. We are an independent agency based in Zephyrhills, so one request goes to the carriers available to us and you see their prices side by side.
Call or text 813-302-7151, or send a request anytime. Most home and flood quotes come back within 24 to 48 hours. The insurance company decides eligibility and price after underwriting.
Compare home insurance quotes from several carriers
You give us the details of your home once. We run them with the private carriers we work with, and with Citizens Property Insurance Corporation when the home qualifies, then send you what comes back. There is no fee to you for a quote, because the insurance company pays our commission.
Most of our clients live in Tampa Bay, but we quote homes anywhere in Florida. We help in English and Spanish, and we have an Arabic-speaking team member.
What homeowners insurance costs in Florida
In real quotes our agency has run for Florida homeowners, a homeowners policy has ranged from $1,900 to $9,900 a year (about $158 to $825 a month). By type of policy, the annual ranges look like this:
- Condo (HO-6): $800 to $5,200
- Landlord or rental home (DP-3): $1,500 to $6,000
- Mobile home: $1,000 to $4,700
- Renters: $100 to $400
By county, homeowners quotes have run:
- Polk: $1,700 to $5,700
- Pasco: $1,600 to $7,000
- Hillsborough: $2,000 to $9,900
- Osceola: $2,000 to $10,000
- Orange: $2,100 to $10,500
- Duval: $1,600 to $11,000
- Pinellas: $1,600 to $18,000
Each county is a separate group of quotes, so some of them go higher than the overall range. These are the details that move a quote:
- Roof age
- The year the home was built
- Wind mitigation features on the home
- The hurricane deductible you pick
- Location
- Claims history
Your real price depends on those details for your home and the coverage limits you choose. The insurance company sets the final price after underwriting.
Homes we insure
We write policies for most types of Florida homes. Each type uses its own policy form, and underwriters ask different questions for each one.
- Houses you live in, on a homeowners (HO-3) policy. We also quote older-home forms when a standard policy isn’t available.
- Condo insurance (HO-6) for unit owners. Florida law requires these policies to include at least $2,000 of loss assessment coverage (s. 627.714, Florida Statutes).
- Rental home insurance on a landlord (DP-3) policy for long-term rentals on monthly leases, including duplexes up to fourplexes and condos you rent out.
- Vacant homes. Tell us how long the home has been empty and what your plans are for it.
- Renters insurance for your belongings when you rent the place you live in.
- Mobile and manufactured homes, old ones included. The oldest mobile home we have quoted was built in 1935.
Older homes, older roofs and older plumbing
Homes or roofs past about 15 to 20 years usually need underwriter approval or an inspection before a carrier will write them. We still quote them. The oldest home in our homeowners quotes was built in 1860, and we have quoted rental homes built in 1900.
Florida law also limits how carriers use roof age on a homeowners policy. An insurer can’t refuse to write or renew only because the roof is under 15 years old. For a roof 15 years or older, it must let you get an inspection first, at your cost, and if the roof has at least 5 years of useful life left, it can’t refuse only because of age (s. 627.7011, Florida Statutes). This rule covers homeowners policies only, not landlord or mobile home policies. For more detail, see our pages on insurance for older homes, homes with an older roof and homes with polybutylene plumbing.
Citizens policyholders and takeout offers
We write Citizens homeowners, landlord and mobile home policies directly. A primary home is not eligible for Citizens when a private insurer offers comparable coverage at a premium no more than 20% higher than Citizens (s. 627.351, Florida Statutes). Because we quote both, you can see where your home lands.
Citizens has its own underwriting rules. It requires a 4-point inspection for homeowners, dwelling and mobile home applications on homes more than 20 years old (Citizens inspections). Shingle roofs over 25 years old, and tile, metal, slate or concrete roofs over 50 years old, must show at least 5 years of remaining life, or Citizens requires a full replacement.
If a takeout offer moves your Citizens policy to another carrier, we keep servicing it, so you keep the same agent. Get Citizens quotes or help reading a takeout letter on our Citizens page.
Flood is a separate policy
Flood coverage comes on its own policy, apart from your homeowners policy. We quote NFIP and private flood for homes. An NFIP policy usually has a 30-day wait before it starts, with no wait when you buy it as part of making, increasing, extending or renewing a mortgage loan (FloodSmart). Private flood waiting periods depend on the carrier. For a 1 to 4 family home, the NFIP covers up to $250,000 on the building and up to $100,000 on contents. It does not pay temporary living expenses. If your home is worth more than the NFIP limit, we can also quote excess flood above it.
If you are replacing an NFIP flood policy with a private flood policy, you could lose a discounted (subsidized) NFIP rate and may pay a higher full-risk rate if you go back to the NFIP later. Before we place a private flood policy, we will ask you to sign a notice that explains this (s. 627.715, Florida Statutes).
Citizens policyholders have a deadline. Citizens personal residential policies that include wind coverage must carry flood insurance, and from January 1, 2027, that covers all remaining policies with wind coverage at new business or renewal (Citizens flood requirement). Condo unit owner policies, renters policies and policies that exclude wind are exempt. Without proof of flood, Citizens may not renew the policy. Ask for flood insurance quotes on the same request as your home quote.
Got a nonrenewal or cancellation notice?
Send us the notice and the date your coverage ends. We start quoting right away so a new policy can begin before the old one stops. Florida generally requires at least 120 days’ written notice, with the reason, before a homeowners policy is nonrenewed or canceled. That gives you time to compare, and the stated reason tells us which carriers to try first (s. 627.4133, Florida Statutes).
Cancellation for nonpayment needs only 10 days’ notice, so call us the same day if that is your situation. If you got a nonrenewal notice, our nonrenewal page covers the notice rules and what to do next.
What to have ready for a quote
A quote moves faster when you send these with your request:
- The property address
- Your current declarations page, if you have one
- The year the home was built
- The roof year, or the roof permit
- 4-point and wind mitigation reports, if you have them
- Any claims in the last 5 years
The declarations page shows your current limits and deductibles, so we can quote the same coverage and you can compare price to price. If you’re buying the home, send the closing date instead. We review the 4-point, wind mitigation and roof reports you bring. We don’t do inspections ourselves, but we can recommend an inspector if you ask.
How getting a quote works
- Send your details. Call, text or use the form, and include what you have from the list above. If a report or the roof year is missing, we tell you what the carriers will ask for.
- We compare the carriers available to us. You get the quotes that come back, with the price, the hurricane deductible and the coverage limits for each one, so you can see the differences before you choose.
- You pick, and we set the start date. If you have a mortgage, we send proof of coverage to your lender.
Switching before your renewal date
You can change home insurance in the middle of your policy term. If you pay through escrow, we send the new declarations page to your lender and handle the escrow side, and you cancel the old policy yourself. Our guide, Can I change insurance before my renewal date?, walks through the timing. Pick the start date of the new policy before you cancel the old one, so there is no day without coverage.
Home and business insurance with one agency
We also write business coverage, including commercial auto, general liability and workers’ comp. If you own a business, you can keep your home and business policies with the same agent and call one number for both. See our commercial insurance page for the business side. If you own a building that you lease to a business, we also write lessor’s risk only liability for building owners.
Areas we serve
We insure homes throughout Florida from our office in Zephyrhills. Most of our home quotes are in Tampa Bay, across Hillsborough, Pasco, Pinellas and Polk counties. See our service areas, including Tampa, Wesley Chapel, Zephyrhills and Lakeland.
Related coverage and guides
How much is homeowners insurance in Florida?
In real quotes our agency has run, a Florida homeowners policy has ranged from $1,900 to $9,900 a year, or about $158 to $825 a month. Condo policies have run $800 to $5,200 and renters policies $100 to $400. Your price depends on the roof, the year built, wind mitigation, the hurricane deductible and where the home is.
Can I get a home insurance quote online?
Yes. Send the quote form anytime with your address and your current declarations page if you have one. We run it with the carriers available to us, and most quotes come back within 24 to 48 hours. If something is missing, we call or text you to fill it in.
How fast can a new home policy start?
It depends on the carrier and the home. Once you pick a quote and the insurance company accepts it after underwriting, we set the start date you need. Send your request early if the home may need an inspection. Flood is different, because an NFIP policy usually has a 30-day wait.
Do you charge a fee for a quote?
No. Getting a home insurance quote from us costs you nothing, whether you buy a policy or not. The insurance company pays our commission when a policy is written. You can compare the quotes and take your time deciding.
Can you insure a home that Citizens or another carrier is dropping?
Yes, we can quote it. Send the notice and its effective date, and we shop the carriers available to us before your coverage ends. The insurance company decides whether to accept the home. See our page on home insurance after a nonrenewal for the notice rules.
Do you insure older homes and homes with an older roof?
Yes. The oldest home in our homeowners quotes was built in 1860. Homes or roofs past about 15 to 20 years usually need underwriter approval or an inspection first. Our older roof page explains the Florida roof age rule.
Do you insure condos and rental homes?
Yes. We write condo unit owner policies (HO-6) and landlord policies (DP-3) for long-term rentals on monthly leases, including duplexes up to fourplexes and condos you rent out. In our quotes, landlord policies have run $1,500 to $6,000 a year. See landlord insurance for rental homes.
Can I switch home insurance before my renewal date?
Yes. You can change home insurance in the middle of the term. If you pay through escrow, we send the new declarations page to your lender and handle the escrow side. You cancel the old policy yourself. Our guide on changing insurance before renewal has more.
About the Author
Raymundo Guzman
I’m Raymundo Guzman, an independent insurance agent and the owner of Covered by Guzman. I help Florida homeowners, landlords and property owners compare home, condo, mobile home and flood insurance, along with the business coverage I write every day, using the carriers available to me rather than selling one company’s product.
Independent Insurance Agent · License #W512374 | NPN #18906048 · 813-302-7151
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Get Florida home insurance quotes from an agent who stays with you.
Send your address, your current declarations page if you have one and the date you need coverage. We compare the carriers available to us and send you the quotes.
