The 30-Second Verdict
Both Allstate and State Farm have significantly reduced their Florida homeowners insurance footprint due to the state's insurance crisis. State Farm stopped writing new policies in Florida; Allstate's Florida subsidiary has limited availability. For most Florida homeowners, Citizens or newer state-backed insurers may be the primary option.
Head-to-Head Breakdown
Allstate
Pros
- Allstate brand recognition and claims history
- MillerLight app for policy management
- Bundling discounts available
- Claims satisfaction generally above industry average
Cons
- Limited new policy availability in FL
- Pricing high where available
- Florida subsidiary (Allstate Floridian) has own rating
- Hurricane deductibles can be steep
State Farm
Pros
- Largest auto insurer (bundling potential)
- Strong financial strength ratings (A++)
- Local agent network throughout FL
- Claims reputation generally solid
Cons
- Stopped writing new FL homeowners policies (2023)
- Existing policies being non-renewed in some areas
- Florida market exit ongoing
- Renewal availability uncertain
Side-by-Side Comparison
| Allstate | State Farm | |
|---|---|---|
| New Policies in FL | Limited / varies by county | Not writing new policies (2023+) |
| Financial Strength | A+ (A.M. Best) | A++ (A.M. Best) |
| Hurricane Deductible | 1–5% of dwelling coverage | 1–5% of dwelling coverage |
| Avg Annual FL Premium | $3,800–$7,500 (est.) | N/A (not writing new) |
| Citizens Alternative | May not qualify as Citizens alternative | May force Citizens if non-renewed |
| Claims Process | App-based, local adjusters | Local agents, strong claims team |
| Bundle Discount | Yes (auto + home) | Yes (auto + home) |
Frequently Asked Questions
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