Average Home Insurance Rates in Navarre, Florida Homeowners insurance isn’t required by law in Navarre, but lenders require all borrowers to have a policy. This is because the lender wants to protect its investment in your house. The insurance provides a financial safety net to cover repairs or replacement in the event of damage or loss. Both you and your lender can recoup the money you’ve put down on your house through the insurance policy.
Key Takeaways
- The average cost of home insurance in Navarre, Florida, is about $4,164 yearly, which is 46% higher than Florida’s average rate.
- Mangrove Property and American Platinum had the cheapest home insurance in Navarre, according to our data.
- You should always compare several quotes when looking for homeowners insurance before you buy to ensure you’re getting the best deal.
How Much Is Home Insurance in Navarre, Florida?
On average, Navarre home insurance costs about $4,164 annually, which is about 46% more than Florida’s average rate of about $2,857 annually.
Home insurance rates in Florida are among the highest in the nation, and coastal communities like Navarre tend to have higher premiums than inland cities due to greater hurricane damage risk and higher property values.
However, many factors affect premiums, including the company you choose. Rates vary by provider. As an independent Florida insurance agency, we can list real, average premiums from our policyholders to help you understand what you may need to pay when seeking a policy in Navarre.
|
Company |
Average Premium |
|---|---|
|
Mangrove |
$3,363 |
|
American Platinum |
$4,025 |
|
Olympus |
$4,240 |
|
Swyfft |
$8,426 |
|
Average |
$4,164 |
It’s Time to Switch Your Homeowners Insurance
We partner with the nation’s top homeowners insurance companies so you can get a custom policy at an affordable price.
The Cheapest Homeowners Insurance in Navarre, Florida
Our policyholders found the cheapest home insurance in Navarre with Mangrove and American Platinum, although the exact cost of a policy depends on many factors. You may find cheap home insurance in Navarre from any of the providers above, as well as others with whom we partner.
Mangrove is one of several new companies that entered the Florida market in 2025 after legislative reforms helped the state emerge from an insurance crisis it was experiencing. American Platinum has been around for longer and is available exclusively through our team at Clovered in Florida and Georgia only.
While our list above is relatively short, we work with several companies and can help you quote with several in the Navarre area. We will work to find you the most affordable coverage possible.
The Best Homeowners Insurance Companies in Navarre, Florida
There’s no default best home insurance company in Navarre or anywhere, as every policyholder has different coverage needs and may value cost, company values, customer service, and other carrier details differently. We can present you with several options to help you find your match.
Average premiums are determined from our policyholder data. Financial strength is determined by each company’s ratings from Demotech, a leading insurance industry credit rating agency.
To gauge consumer satisfaction, we used the National Association of Insurance Commissioners’ complaint index, which compares a firm’s consumer complaint performance with other companies in the market. The default index number is 1.0, meaning a company with a complaint index of 2.0 has a complaint value twice as high as expected. So, for their scale, lower is better.
Mangrove Property Insurance
Demotech Rating
A
NAIC Complaint Index
0.00
Average Premium
$3,363
Mangrove Property Insurance Company was founded in 2025 in Florida and offers home insurance coverage only in the Sunshine State. It is distributed through independent agents.
American Platinum
Demotech Rating
A
NAIC Complaint Index
1.95
Average Premium
$4,025
American Platinum Insurance Company, founded in 2011, is a subsidiary of Universal Insurance Holdings, offering home insurance coverage in Florida and Georgia. Policies are available exclusively through independent agents at Clovered.
Olympus
Demotech Rating
NR
NAIC Complaint Index
0.90
Average Premium
$4,240
Olympus Insurance Company has offered home insurance solely in Florida since its founding in 2007, with a general focus on higher-value homes and a count of over 70,000 policyholders.
Swyfft
Demotech Rating
NR
NAIC Complaint Index
NR
Average Premium
$8,426
Swyfft is an insurance managing general agency founded in 2014, offering insurance products in several coastal states around the country.
It’s Time to Switch Your Homeowners Insurance
We partner with the nation’s top homeowners insurance companies so you can get a custom policy at an affordable price.
Navarre Homeowners Insurance Coverages
Shopping among companies will produce different rates, but the standard coverages in homeowners insurance won’t vary. The most common type of homeowners insurance policy is officially called the HO3 form. All HO3 policies include the same default protections at all carriers:
|
Coverage |
Definition |
|---|---|
|
Dwelling Coverage |
Dwelling coverage in homeowners insurance provides protection for your home’s structure and physical components, including the roof, walls, flooring, patios, foundation, wiring, pipes, and more. |
|
Other Structures Coverage |
Other structures coverage safeguards fixtures on your property that aren’t attached to your main house, such as sheds, gazebos, detached garages, fences, and more. |
|
Personal Property Coverage |
Personal property coverage financially protects your belongings in and around your home, including furniture, electronics, clothing, tools, jewelry, art, and more. |
|
Loss of Use Coverage |
Loss of use coverage kicks in if you must move out of your home after it suffers significant damage from a covered loss. Your insurer can cover temporary accommodation, groceries, fuel, and more. |
|
Liability Coverage |
Liability coverage helps cover expenses and damages if someone is injured on your property or you unintentionally damage someone else’s property. |
|
Medical Payments Coverage |
Medical payments coverage covers medical bills for minor injuries, regardless of who is at fault. |
How to Get Homeowners Insurance Quotes in Navarre
If you’re looking for a home insurance agency, look no further than us at Clovered. Headquartered in South Florida, we’re well-versed in the coverage needs of all state residents. Get homeowners insurance quotes in Navarre online or over the phone with one of our licensed agents.
Use our proprietary quoting platform to compare rates online at your own pace on your own time. Or, if you’d like to quote with the help of an agent, one of our team members would be happy to help. Feel free to give us a call at 833-255-4117 during business hours, or email us anytime at agent@clovered.com.
It’s Time to Switch Your Homeowners Insurance
We partner with the nation’s top homeowners insurance companies so you can get a custom policy at an affordable price.
Navarre Home Insurance FAQs
Is homeowners insurance required in Navarre, Florida?
What is wind mitigation in Navarre?
Wind mitigation involves installing storm-resistant features in your home, such as hurricane windows, roof straps, and more. In Florida, hurricanes are a major concern for insurers. Providers reward policyholders who proactively take measures to limit windstorm damage through wind mitigation with notable insurance discounts.
What factors affect Navarre home insurance rates?
Insurance companies weigh the risks of every property before insuring it. Riskier homes are more likely to result in an insurance claim. Insurers charge higher premiums to properties deemed more dangerous to offset the financial risk of covering them. The main factors that contribute to risk and insurance costs include house location, age, and materials, as well as personal and policy details like claims history, coverage amount, and deductibles.
Do you need flood insurance in Navarre, Florida?
You will only need flood insurance in Navarre if your lender requires it, which will occur if your house is in a federally designated high-risk flood zone. Homeowners insurance doesn’t cover flood damage. In a beach community like Navarre, where flooding and hurricane risk are high, you may want to look into flood insurance even if not required to fully protect your property.
Stay Above Water With Flood Insurance
Do you want to pay for costly and common flood damage yourself or have an insurance policy pick up the tab?
The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.
