Consumer HomeOwners' Insurance Comparison Electronic System (CHOICES)
The Office of Insurance Regulation (Office) developed this tool to help consumers compare homeowners’ insurance rates among these companies. The system demonstrates the importance of shopping for the best policy to protect your home.
CHOICES provides average rates for a variety of companies writing insurance in each county, in addition to rates for Citizens Property Insurance Corporation. The rates quoted here are for illustrative purposes, and reflect the most recent rate filings approved by the Office. These rate quotes are for the two sample risks described below – premiums for your home will vary depending on individual circumstances. The Office recommends that you contact the insurance companies or agents of your choice to obtain an official premium quote.
To begin comparing homeowners’ insurance, select one of the examples below:
This risk is for a Florida masonry home built in 1990, with a current replacement value of $150,000, a $500 non-hurricane deductible, a 2% hurricane deductible, and no claims in the past three years. Premium examples are shown for both maximum wind mitigation features, and no wind mitigation features. [To learn more about wind mitigation features, see Form OIR-B1-1655.]
This risk is for a Florida masonry home built in 2005, with a current replacement value of $300,000, a $500 non-hurricane deductible, a 2% hurricane deductible, no claims in the past three years, and minimum premium discounts for limited wind mitigation features and no hip roof. [To learn more about wind mitigation features, see Form OIR-B1-1655.]