TL;DR Florida home insurance 2026 — key facts: Statewide average premium: $5,533/year for $300,000 dwelling coverage (≈3× the US average of $1,900) Miami-Dade averages $10,800/year; Florida Keys (Monroe) average $13,200/year; inland North Florida around $3,200/year Top 10 carriers still writing new business: Citizens, State Farm, Universal P&C, Tower Hill, People’s Trust, Heritage, HomeownersChoice, Slide, Kin, … Read more