With a Farmers® home policy, you have the freedom to create a policy that reflects how you live and what matters most to you.

Get a quote

Home Insurance Coverage Options in Florida

Farmers Smart Plan Home® in Florida gives you three highly customizable packages as a starting point:

  • Standard — Reduced coverage for a reduced price
  • Enhanced — Provides higher coverage limits and extra features 
  • Premier — Comes with the highest coverage limits and greatest choice of features

Within each package, you have the flexibility to adjust coverage types and limits so that your home is covered the way you want.

Typical home insurance policies offer coverage for damage caused by:

  • Windstorms
  • Hail
  • Lightning strikes 
  • Fire 
  • Vandalism and theft 
  • Explosion 
  • Falling objects 

Florida home insurance discounts

Farmers® builds value into every policy —but you may be eligible for even more savings.

We offer a variety of discounts for our home insurance customers based in Florida. For example:

Protective devices

See a list of potential home insurance discounts. Not all listed discounts are available in Florida.

Smart home security that saves

Farmers is working with ADT Security Services to bring you the best of both businesses – ADT industry-leading smart home security, and outstanding coverage with a Farmers home policy. Farmers customers and prospective customers receive special ADT pricing.

View more coverage options in Florida


Auto insurance

Find out minimum state requirements for auto insurance in Florida, available discounts, information on our Signal app and more.

View car insurance details and discounts for Florida

Learn From Experience

Expand your knowledge base with articles relevant to you.

A Home Addition Can Mean Extra Income, More Room for Family — Or Even a Dream Home

A modern take on the granny flat, the ADU, or Accessory Dwelling Unit, is going viral. Building one can be arduous and expensive, but these homeowners say they’re glad they did it.

She Plays Drums, and the Downstairs Neighbors Have a New Baby: How Soundproofing Helped This Family (and Others) Restore Peace and Quiet

Adding carpets, replacing doors and windows, fortifying walls — small and big fixes add up when turning the volume down on everyday life.

If a Tree Falls on My Home, What Do I Do?

Strong winds took this customer’s home by surprise. Luckily no one was hurt.