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Any Home, Anywhere

We work for you not the insurance company. We are here to help you find the best coverage for your home. We have access to many different insurance companies and can find the best coverage for your home.

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Recent Quotes

*Rates as low as:
Miami-Dade County, FL
$1,500/year
Broward County, FL
$1,300/year
Palm Beach County, FL
$1,100/year
Convenience

Exclusive Customer Portal

Our innovative and exclusive customer portal will empower you to manage your policy, process payments, access 24/7 live support, and much more—all at your fingertips.

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Technology

Simple Processes,
Advanced Technology...

While not only reducing the time for you to get insured from days to minutes, our technology is also working behind the scenes to ensure you are getting the best coverage throughout the lifetime of your policy.

That said, we understand that sometimes you just want to talk to a human. We get it. You will be assigned a dedicated agent that will be there for you every step of the way.

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AI-Backed Technology
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An Agent For You
A+ Rated Carriers | 5-Star Rated Customer Service
We pride ourselves on providing the best customer service in the industry. We are here for you every step of the way.
4.7 out of 5 stars

from Over 600+ Reviews

Shelly Griffith

Harvest Insurance got us the lowest rate (by far) than the 5 other companies that we received quotes from.

Todd Jenkins

This was hands down the best experience I've ever had purchasing a homeowners policy.

Ryan Crownover

I recently had the pleasure of working with Harvest Insurance, and I have to say, it was a fantastic experience.

Helpful answers

Florida homeowners insurance rates are the product of a perfect storm of factors, including pricey real estate, flooding, thunderstorms, tornadoes, wildfire, and, of course, hurricanes and tropical storms. Not surprisingly, there is no such thing as cheap home insurance in Florida.

The most common homeowners insurance policy is called an HO-3 policy, and it covers your home for all perils except those specifically excluded. Flood and earthquake insurance are not covered by an HO-3 policy. Other types of homeowners insurance policies include:

1. HO-1: A limited policy that offers varied coverage for 10 specific perils.
2. HO-2: A basic policy that protects against 16 perils.
3. HO-3: The most common form of homeowners insurance, which covers all perils except those specifically excluded.
4. HO-4: For renters, this policy protects against damage to the contents of the home and personal liability for injuries sustained on the premises.
5. HO-5: An upgraded version of an HO-3 policy that offers increased coverage for valuables.
6. HO-6: For condo owners, this policy protects against damage to the unit that extends beyond what the condo association's insurance covers.
7. HO-7: Similar to an HO-3 policy, but for mobile homes.
8. HO-8: A policy specifically for older homes, which covers the same perils as an HO-3 policy but pays out based on repair costs or the market value of the home, whichever is less.

Homeowners insurance covers the cost of repairing or replacing your home and personal property when they are damaged by events such as fire, theft, natural disasters, or vandalism. Personal property coverage, a standard part of homeowners insurance policies, can help cover the cost of replacing these items if they are lost, stolen, or damaged as a result of a covered event.

Our customer portal is a great way to manage your insurance policies online. You can view your policy documents, make payments, report a claim, and more! If you haven't already, register for an account today!

The average cost of homeowners insurance in Florida is $1,951 per year, according to our analysis. That's the third highest rate in the U.S. Every home is different! Request a quote for your home now!

Our customer portal is a great way to manage your insurance policies online. You can view your policy documents, make payments, report a claim, and more! If you haven't already, register for an account today!

Florida's home insurance market is in crisis. The state's largest insurer, state-run Citizens Property Insurance Corp., is raising rates by an average of 7.2% this year, and private insurers are following suit. The average cost of homeowners insurance in Florida is $1,951 per year, according to our analysis. That's the third highest rate in the U.S.

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