Florida home insurance

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Affordable Florida home insurance customized to your needs

Need home insurance in Florida? Whether you live in the panhandle or the keys, Liberty Mutual can help you protect your investment with affordable home insurance. From insuring for property damage to covering your belongings, we customize your Florida homeowners insurance, so you only pay for what you need.

What does homeowner insurance in Florida cover?

Here’s what a typical home insurance policy covers in the Sunshine state.

Your belongings
  • The loss of your stuff
  • Replacement cost of your belongings
  • Your jewelry and other valuables
  • Injury or property damage to others
  • Property damage to your home
  • Fire, water, and weather damage
  • A place to stay if you've been displaced
  • Inflation protection

Discounts that help you save


Paperless Policy Discount

It's a win-win. Good for your wallet and the environment.1

Bundle and SaveLoading...

You could save $842 on customized auto and home insurance.2

Newly Purchased Home

Congrats on your new home! Enjoy some celebratory savings with your policy.1

Common questions about Florida home insurance

1Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
2Savings validated by 2019 countrywide survey of participating new customers who switched to Liberty Mutual and saved. Savings may vary. Comparison does not apply in MA.