Cool Florida Annual Home Insurance Ideas. And homeowners in the state were already paying nearly triple the national average for insurance — $4,231 a year per policy, compared to a us average of $1,544, according to. Save with a fast & free online quote!

Ad new customers who save bundling their home & auto save 25% on average. Annual insurance premiums cost florida homeowners $4,200 on average, which is triple the national average rate. Home insurance protects your property and personal possessions in case of damage.