{"id":1278,"date":"2013-06-15T09:12:44","date_gmt":"2013-06-15T13:12:44","guid":{"rendered":"http:\/\/rtcinsuranceadvisors.com\/blog\/?p=1278"},"modified":"2026-07-29T07:29:06","modified_gmt":"2026-07-29T11:29:06","slug":"compare-homeowners-insurance-florida","status":"publish","type":"post","link":"https:\/\/rtcinsuranceadvisors.com\/blog\/compare-homeowners-insurance-florida\/","title":{"rendered":"Compare Homeowners Insurance Florida"},"content":{"rendered":"<p style=\"text-align:justify;\"><img decoding=\"async\" src=\"https:\/\/www.robertcolucci.com\/wp-content\/uploads\/2026\/05\/florida-home-insurance.avif\" alt=\"St. Augustine Beach roof shape home insurance\" loading=\"lazy\" width=\"350\" height=\"auto\" style=\"float:left;width:280px;margin:0 20px 20px 0;border-radius:6px\">If you\u2019re just starting to decide which Florida homeowners insurance company to choose, it can feel overwhelming because many policies look similar at first glance. The best way to make a confident decision is to <em>compare homeowners insurance Florida<\/em>. Review several companies, look at their coverage options, and take your time researching online to find a provider that meets your needs without overpricing you.<\/p>\n<p style=\"text-align:justify;\">You can begin by using online resources. The Florida Department of Insurance provides lists of licensed insurance companies along with customer complaint data and ratings. Always make sure the company you\u2019re considering is properly licensed and has a solid reputation.<\/p>\n<p style=\"text-align:justify;\">Most insurers also offer sample quotes and policy details on their websites. Policies can be adjusted based on your needs, so when comparing companies, gather information from at least three providers to see how their pricing and coverage differ.<\/p>\n<p style=\"text-align:justify;\">Discounts play a major role when you <strong><a href=\"https:\/\/rtcinsuranceadvisors.com\/florida_home_insurance_quote.htm\" target=\"_blank\">compare homeowners insurance Florida<\/a><\/strong>. The more policies you bundle, the more you may save. Combining home, auto, or even life insurance with the same company often results in better pricing.<\/p>\n<p style=\"text-align:justify;\">When comparing companies, make sure you collect all the information that will help you decide whether a provider is right for you. If you\u2019re unsure about policy terms or coverage options, speak with someone knowledgeable about homeowners insurance. I can explain what you need to know and help you understand the options and quotes available for your home.<\/p>\n<p style=\"text-align:justify;\">Use your comparison notes to narrow down your choices and select the company that fits your needs best. Get started now by answering the questions below.<\/p>\n<div id=\"rtci-wrapper\" style=\"display:block;width:100%;box-sizing:border-box;\">\r\n\r\n<!-- Badges \/ Tumble -->\r\n<div style=\"text-align:center;margin:30px 0;\">\r\n  <div class=\"tumble\" style=\"display:inline-flex;gap:12px;flex-wrap:wrap;align-items:center;\">\r\n    <a href=\"https:\/\/www.robertcolucci.com\/reviews\/\" target=\"_blank\" rel=\"noopener\">\r\n      <img decoding=\"async\" src=\"https:\/\/www.robertcolucci.com\/wp-content\/uploads\/2026\/08\/google-rating-5-star.webp\" alt=\"Google 5-Star Rating\" style=\"height:50px;width:auto;\">\r\n    <\/a>\r\n\t\t<div style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px\">Licensed Florida Insurance Agent<\/div>\r\n    \t<div style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px\">Serving Florida Since 2008<\/div>\r\n    \t<div style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px\">Trusted by Realtors & Loan Officers<\/div>    \r\n    \t<a href=\"tel:3522002066\" style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px;color:#000;text-decoration:none;\">Call: 352\u2011200\u20112066<\/a>\r\n  <\/div>\r\n<\/div>\r\n\r\n<!-- Unified Anchor -->\r\n<div id=\"quoteform\"><\/div>\r\n\r\n<style>\r\n.rtci-form {\r\n    max-width:650px;\r\n    margin:0 auto;\r\n    padding:30px;\r\n    border-radius:12px;\r\n    background:#fff;\r\n    box-shadow:\r\n        0 3px 6px rgba(0,0,0,0.08),\r\n        0 10px 20px rgba(0,0,0,0.06),\r\n        0 20px 40px rgba(0,0,0,0.05);\r\n    border:1px solid #e6e6e6;\r\n}\r\n\r\n.rtci-step{display:none}\r\n.rtci-step.rtci-active{display:block}\r\n\r\n.rtci-row{margin-bottom:15px}\r\n.rtci-row label{display:block;font-weight:700;margin-bottom:5px}\r\n\r\n.rtci-row input,\r\n.rtci-row select,\r\n.rtci-row textarea {\r\n    width:100%;\r\n    padding:10px;\r\n    font-size:16px;\r\n    border:1px solid #ccc;\r\n    border-radius:6px;\r\n}\r\n\r\ninput:focus,\r\ntextarea:focus,\r\nselect:focus {\r\n    outline:none!important;\r\n    border:2px solid #007bff!important;\r\n    box-shadow:0 0 4px rgba(0,123,255,0.4)!important;\r\n    transition:border-color .2s ease,box-shadow .2s ease;\r\n}\r\n\r\n.rtci-next,.rtci-prev,.rtci-submit{\r\n    padding:12px 20px;\r\n    font-size:16px;\r\n    margin-top:10px;\r\n    cursor:pointer;\r\n    border:none;\r\n    border-radius:6px;\r\n    background:#07c;\r\n    color:#fff;\r\n}\r\n.rtci-prev{background:#555}\r\n\r\n.rtci-progress{\r\n    width:100%;\r\n    height:8px;\r\n    background:#e5e5e5;\r\n    border-radius:4px;\r\n    margin-bottom:20px;\r\n    overflow:hidden\r\n}\r\n.rtci-progress-bar{\r\n    height:8px;\r\n    width:0;\r\n    background:#07c;\r\n    transition:width .3s ease\r\n}\r\n\r\ninput:-webkit-autofill,\r\ntextarea:-webkit-autofill,\r\nselect:-webkit-autofill {\r\n    -webkit-box-shadow:0 0 0px 1000px #fff inset!important;\r\n    box-shadow:0 0 0px 1000px #fff inset!important;\r\n    background-color:#fff!important;\r\n    color:#000!important;\r\n}\r\n\r\n.rtci-submit.processing {\r\n    background: #28a745 !important; \/* green *\/\r\n    cursor: not-allowed;\r\n    opacity: 0.85;\r\n}\r\n<\/style>\r\n\r\n<div class=\"flip\">\r\n<div class=\"rtci-form\">\r\n<h2>Get Florida Home Insurance Quotes<\/h2>\r\n\r\n<div class=\"rtci-progress\">\r\n    <div class=\"rtci-progress-bar\" id=\"rtci-progress-bar\"><\/div>\r\n<\/div>\r\n\r\n<form id=\"rtci-home-form\" action=\"\/blog\/forms\/send-homeowners.php\" method=\"POST\">\r\n<input type=\"text\" name=\"website\" style=\"display:none;\">\r\n\r\n<!-- STEP 1 -->\r\n<div class=\"rtci-step rtci-active\">\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"driver_first\">First Name:<\/label>\r\n    <input name=\"driver_first\" id=\"driver_first\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"driver_last\">Last Name:<\/label>\r\n    <input name=\"driver_last\" id=\"driver_last\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"phone\">Phone Number:<\/label>\r\n    <input name=\"phone\" id=\"phone\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"email\">Email Address:<\/label>\r\n    <input type=\"email\" name=\"email\" id=\"email\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"dob\">Date of Birth:<\/label>\r\n    <input type=\"date\" name=\"dob\" id=\"dob\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"address_street\">Street Address You Want Quoted:<\/label>\r\n    <input name=\"address_street\" id=\"address_street\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"address_city\">City:<\/label>\r\n    <input name=\"address_city\" id=\"address_city\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"address_state\">State:<\/label>\r\n    <input type=\"text\" name=\"address_state\" id=\"address_state\" value=\"Florida\" readonly required \r\n           style=\"width:100%;padding:10px;background:#f0f0f0;\">\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"address_zip\">ZIP Code:<\/label>\r\n    <input name=\"address_zip\" id=\"address_zip\" required>\r\n<\/div>\r\n\r\n  <button type=\"button\" class=\"rtci-next\">Next<\/button>\r\n<\/div>\r\n\r\n<!-- STEP 2 -->\r\n<div class=\"rtci-step\">\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"stories\">Number of Floors:<\/label>\r\n    <select name=\"stories\" id=\"stories\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"1\">1 Story<\/option>\r\n      <option value=\"2\">2 Stories<\/option>\r\n      <option value=\"3\">3 Stories<\/option>\r\n      <option value=\"4+\">4 or More Stories<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"square_feet\">Approx. Heated Square Footage: (Living Area)<\/label>\r\n    <input type=\"text\" name=\"square_feet\" id=\"square_feet\" required>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"construction\">Construction Type:<\/label>\r\n    <select name=\"construction\" id=\"construction\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"ConcreteBlock\">Concrete Block<\/option>\r\n      <option value=\"WoodFrame\">Wood Frame<\/option>\r\n      <option value=\"Brick Veneer\">Brick Veneer<\/option>\r\n      <option value=\"Mixed\">Mixed Block\/Frame<\/option>\r\n      <option value=\"SteelFrame\">Steel Frame<\/option>\r\n      <option value=\"Unsure\">Unsure<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"roof_year\">Roof Year:<\/label>\r\n    <input type=\"text\" name=\"roof_year\" id=\"roof_year\" required>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"policy_type\">What Type of Policy Do You Need?<\/label>\r\n    <select name=\"policy_type\" id=\"policy_type\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"Primary Home (HO-3)\">Primary Home (HO\u20113)<\/option>\r\n      <option value=\"Secondary Home (HO-3)\">Secondary Home (HO\u20113)<\/option>\r\n      <option value=\"Condo Unit-Owners (HO-6)\">Condo Unit\u2011Owners (HO\u20116)<\/option>\r\n      <option value=\"Tenant Occupied Home (DP-3)\">Tenant Occupied Home (DP\u20113)<\/option>\r\n      <option value=\"Flood Only\">Flood Only<\/option>\r\n      <option value=\"Flood + Homeowners\">Flood + Homeowners<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <button type=\"button\" class=\"rtci-prev\">Previous<\/button>\r\n  <button type=\"button\" class=\"rtci-next\">Next<\/button>\r\n<\/div>\r\n\r\n<!-- STEP 3 -->\r\n<div class=\"rtci-step\">\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"claims\">Number of home or flood claims\/losses in 5 years:<\/label>\r\n    <select name=\"claims\" id=\"claims\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"Zero\">Zero<\/option>\r\n      <option value=\"Yes - 1 claim\">Yes - 1 claim<\/option>\r\n      <option value=\"Yes - 2 claims\">Yes - 2 claims<\/option>\r\n      <option value=\"Yes - 3+ claims\">Yes - 3+ claims<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"current_insurance\">Do you have current insurance on home?<\/label>\r\n    <select name=\"current_insurance\" id=\"current_insurance\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"Yes\">Yes<\/option>\r\n      <option value=\"No\">No<\/option>\r\n      <option value=\"New Purchase\">Not Yet (New Purchase)<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <button type=\"button\" class=\"rtci-prev\">Previous<\/button>\r\n  <button type=\"button\" class=\"rtci-next\">Next<\/button>\r\n<\/div>\r\n\r\n<!-- STEP 4 -->\r\n<div class=\"rtci-step\">\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"dwelling_limit\">Dwelling Coverage: (What It Costs to Rebuild Your Home)<\/label>\r\n    <input type=\"text\" name=\"dwelling_limit\" id=\"dwelling_limit\" required>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"liability_limit\">Liability Limit:<\/label>\r\n    <select name=\"liability_limit\" id=\"liability_limit\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"$100,000\">$100,000<\/option>\r\n      <option value=\"$300,000\">$300,000<\/option>\r\n      <option value=\"$500,000\">$500,000<\/option>\r\n      <option value=\"Unsure\">Unsure - 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The best way to make a confident decision is to compare homeowners insurance Florida. Review several companies, look at their coverage options, and take your time researching online to find&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[3],"tags":[211,212],"class_list":["post-1278","post","type-post","status-publish","format-standard","hentry","category-homeowners-insurance","tag-compare-homeowners-insurance-florida","tag-florida-homeowners-insurance-company"],"_links":{"self":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/1278","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/comments?post=1278"}],"version-history":[{"count":5,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/1278\/revisions"}],"predecessor-version":[{"id":3488,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/1278\/revisions\/3488"}],"wp:attachment":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/media?parent=1278"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/categories?post=1278"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/tags?post=1278"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}