Florida’s home insurance market is always changing, especially with the state’s weather risks like hurricanes and floods. To help brokers and homeowners, here’s a clear look at the top ten home insurance companies in Florida for 2025. These companies have strong market shares and offer different options to protect your home and belongings.
At the top is Universal Insurance Holding Group, based in Fort Lauderdale. It holds the largest slice of the market with 9.61% and manages over 560,000 policies through its subsidiary. Though its average premium is a bit above the Florida state average—around $4,500 to $5,000 per year—it offers broad coverage, including unique add-ons like equipment breakdown and service line coverage. These extras mean it can cover things that many standard policies do not, such as repairs to essential home systems and underground utility lines.
Close behind is State Farm Group, holding 8.34% of the market and serving more than 640,000 Floridians. State Farm’s average annual premium aligns closely with the state average of roughly $4,419. The company is known for reliable claims service and offers several handy endorsements, including flood insurance through the National Flood Insurance Program and smart home electrical fire prevention via a partnership with Ting. Its Inflation Guard coverage automatically adjusts policy limits yearly to keep up with rising costs, which can be helpful in Florida’s pricey rebuild market.
Third on the list is Florida Peninsula Holdings Group, managing 7.59% of Florida’s home insurance market. Headquartered in Boca Raton, it has over 2,500 agents working across the state. The company recently asked regulators to lower its premiums by about 8.4%, which, if approved, would bring their rates closer to the state average. Florida Peninsula offers valuable extras such as identity theft protection and equipment breakdown coverage, making it a strong choice for homeowners wanting extra peace of mind.
Slide Insurance Holdings Group, a newer competitor based in Tampa, has quickly gained a 6.51% market share by focusing on Florida’s high-risk areas. Founded in 2021, Slide uses advanced technology for digital quoting and claims handling. It offers policy discounts for smart home devices like water leak detectors and allows customers to customize coverage through a digital platform, appealing to homeowners who prefer handling insurance online.
Tower Hill Insurance Group, with a 5.74% market share, is a well-established company based in Gainesville. It caters especially to high-value and hurricane-prone homes, offering builder’s risk insurance for homes under construction and solid flood insurance bundles. Tower Hill’s premiums, ranging from $4,000 to $4,500, match the state average, making it competitive for many homeowners.
USAA, occupying 5.45% of the market, stands out by serving military members, veterans, and their families. Its premiums are generally lower than the state average, around $3,500 to $4,000 yearly. USAA includes replacement cost coverage for personal belongings as a standard feature, along with unique add-ons such as military uniform coverage and home sharing insurance. For eligible members, USAA represents an affordable and reliable option.
Frontline Insurance Group, at 5.05% market share, specializes in coastal and high-risk properties and operates through independent agents. Frontline’s premiums tend to be slightly higher than average, between $4,200 and $4,600. It offers flexible options such as excess flood insurance with higher coverage limits and custom windstorm deductible choices. Their policies are also tailored for condos and high-value residences.
HCI Group Inc., holding 4.97% of the market, runs several subsidiaries including Homeowners Choice and TypTap Insurance. Based in Tampa, HCI focuses on tech-driven underwriting and a fully digital flood insurance product through TypTap. Premiums average slightly above the state norm, between $4,200 and $4,600, and customers benefit from integrated home and flood policy management.
American Integrity Insurance Corp. is a regional player with a 2.89% market share, focused solely on Florida. Founded in 2006, it stands out by offering coverage for vacant homes and golf carts—two options many others don’t provide. It also allows bundling of flood and excess flood insurance to make managing claims easier. Premiums align with the state average, approximately $4,000 to $4,500 annually.
Rounding out the list is Progressive Group with 2.85% market share. Known mainly for auto insurance, Progressive acts as a broker in Florida for home insurance, partnering with other carriers to underwrite policies. Its average premiums range from $4,200 to $4,600. Progressive offers unique benefits like a single deductible if a bundled home and auto policy experience a claim from the same event, and customizable personal property replacement options. They also provide a digital platform, HomeQuote Explorer, where customers can compare multiple home insurance quotes easily.
Choosing the right insurer depends on what fits a client’s specific home, risk, and budget. For example, military families may find USAA’s offerings ideal, while owners of high-value or coastal homes might prefer Tower Hill or Frontline. Homeowners who want a seamless online experience might go with Slide, whereas those looking for bundle discounts and flexible management could consider Progressive or State Farm. Overall, these top companies offer a range of competitive rates, reliable claims service, and tailored coverage suited for Florida’s unique risks.