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Best homeowners insurance in Florida of 2021 Bankrate 3/17/2021 Mariah Posey © John Coletti/Getty Images A home on the Florida coast with Spanish moss hanging off the tree branches. The Sunshine State may be a gorgeous place to live, but its residents also face several hazards each year. As a coastal state, Florida is susceptible to natural disasters, such as hurricanes and sinkholes, which drives premiums sky high. As recently as October 2020, Tropical Storm Eta caused more than 14 inches of rain in South Florida. Although Florida writes more flood insurance policies than any other state, flood coverage is usually not included with the average Florida homeowners insurance policy.

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