Homeowners Choice Property And Casualty ratings and coverages

How much does Homeowners Choice Property and Casualty homeowners insurance cost?

Florida is a unique state for homeowners insurance because homes in most areas of Florida are at a high risk of flooding and other damage caused by hurricanes and tropical storms. In addition to the added risk, many other things affect your cost of homeowners insurance including your home's condition and age, the size and type of home, the crime rate in your area, your claim history, and your credit score. In the graph below, you can see the average cost of Homeowners Choice Property and Casualty homeowners insurance compared to the average cost of homeowners insurance in Florida. The graph is split into two categories: a home worth $200,000 and a home worth $400,000.

The average Homeowners Choice homeowners insurance rates for both the $200K home and $400K home are higher than the average homeowners insurance cost in Florida. Please note that these are average homeowners insurance rates based on specific profiles and your rate could be higher or lower based on your unique characteristics that affect homeowners insurance rates.

More about Homeowners Choice Property and Casualty

Homeowners Choice offers PrivateMarket Flood Insurance, an alternative to the National Flood Insurance Program. In some states, Homeowners Choice offers flood insurance under TypTap, a technology-focused company owned by Homeowners Choice.

Homeowners' choice does not have an online claim reporting feature. To report a claim contact them by phone 24 hours a day at 866-324-3138, or send an email at FNOL@hcpci.com.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, "What is the best coverage plan for me/my family/my situation?" "What are the minimum coverage requirements in my state and what form of coverage do you recommend?" "Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?" and "What is the average rate of insurance quotes you guys offer?"

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It's simple, just plug in your zip code and we'll do the rest!