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Home Insurance

Save Money On Your Three Lakes Home Insurance.

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Florida's Leading Home Insurance Providers

How We Save You More Money In Three Lakes.

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Provide information about the property you want to insure. We’ll assign you a licensed professional to personally review your home.

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We find the best available rates in Three Lakes so you know you got the best price.

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Our team will help you select the best option for your needs.

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Best Insurance Provider in Three Lakes, FL

Let's take Home Insurance off your to do list and on your got done list.

"I was having trouble getting insurance. A friend of mine told me to reach out to Alex Lopez, I'm glad I took my friends advice.

Alex worked miracles, he was very responsive, very professional. He even helped me after business hours since my closing was close. I could be a bit annoying and antsy at times,  he handled it very professional."

Arif T.

Royal Palm Beach, FL

Verified Customer
Lillian was very helpful and prompt in her responses to helping us secure a new homeowner's policy.

I definitely enjoyed working with her to get through this process.  

Insurance is never easy.  At least until now.
Thanks Lillian.

John B.

Pace, FL

Verified Customer
I had the pleasure of working with Lillian for my new home owners insurance.  

She got me the best quote out of four different agents!!

Worked very quickly too!! I'm giving her contact information to everyone I know! Thank you!!!

Erin L.

Jacksonville, FL

Verified Customer
Alex returned all my calls, answered all my questions and worked tirelessly to find homeowners’ insurance for our home in Florida.  

He earned my trust because of his honesty and his persistence.

Cindy B.

Bonita Springs, FL

Verified Customer
L'Oreal helped me step by step through the process of getting Homeowner's Insurance.

Being a first time home buyer, this was exactly what I needed. Her responsiveness, knowledge and diligence made it simple for me to get insured. Highly recommend!

Fernando S.

Inverness, FL

Verified Customer
Alex was very professional and extremely helpful!

He made the insurance process a breeze! Highly recommended!

Betsy C.

Verified Customer

Three Lakes's Favorite Insurance Provider

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Best Insurance Discounts in Three Lakes, FL

Our experienced team will help you navigate the markets and get the best home insurance rates in Three Lakes & surrounding areas. Three Lakes is home to 15367 people who enjoy the warm climate and location attractions. If your zip code is 12086, we are here to help you get the best home insurance rates in Florida!

Let Worth Insurance take care of your home insurance needs – and lock in your savings and discounts today. Take a look at some of the ways we can help you save:

Water Leak
Detection Credit
Burglar Alarm
Credit
Age of
Dwelling Credit
Actual Cash Value Roof Loss Settlement
Water Leak
Detection Credit
Burglar Alarm
Credit
Age of
Dwelling Credit
Actual Cash Value Roof Loss Settlement
Water Leak
Detection Credit
Burglar Alarm
Credit
Age of
Dwelling Credit
Actual Cash Value Roof Loss Settlement
Senior Citizen
Credit
Paperless
Discount
Fire Alarm
Credit
Hardiplank
Siding Credit
Senior Citizen
Credit
Paperless
Discount
Fire Alarm
Credit
Hardiplank
Siding Credit
Senior Citizen
Credit
Paperless
Discount
Fire Alarm
Credit
Hardiplank
Siding Credit
Secured
Community Credit
Water Damage Exclusion
Hurricane
Deductible Credit
Windstorm Loss Mitigation Credit
Secured
Community Credit
Water Damage Exclusion
Hurricane
Deductible Credit
Windstorm Loss Mitigation Credit
Secured
Community Credit
Water Damage Exclusion
Hurricane
Deductible Credit
Windstorm Loss Mitigation Credit

Get The Best Three Lakes Home Insurance Coverage Without The Stress

Quick & Easy
Application Process

No more spending hours browsing through quotes on comparison websites or filling out lengthy forms. With WorthInsurance, you can apply in under 60 seconds and let our agents handle the rest.

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about Costs

Our agents will find you competitive rates & discounts in Three Lakes so you can enjoy comprehensive coverage that doesn't break the bank.

Stay Ahead of Unexpected Disasters or Losses

Our modern technology enables us to move faster than other agencies, ensuring that we secure tailored coverage options for you as soon as possible. So you don't have to worry about facing unexpected disasters or losses.

We Make Shopping for Florida Home Insurance Simple & Stress-Free

Enjoy Peace of Mind

We take the stress out of shopping for home insurance  We make it easy to shop and save, so you don't have to worry.

Quality Coverage in Three Lakes, FL.

Protecting your home is our top priority, and we guarantee quality coverage from only the best-rated carriers on the market.

Save Time and Money

Our technology allows us to move quickly, so you don't have to wait months to get the necessary coverage. Our simple process makes getting the insurance you need easier than ever.

Get Help From A Licensed Professional

Our experienced team will help you navigate the markets and get the best home insurance rates in Three Lakes.

Easy Process

Apply in under 60 seconds, and let us take the stress out of comparing options and locking in your rate.

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Frequently Asked Questions

We get it. Home insurance is complicated. We're here to help clear things up.

What is the average cost of homeowners insurance in Three Lakes, FL?

The average cost of homeowners insurance in Florida for 2024 varies significantly across different sources, reflecting the state's challenging insurance market influenced by frequent natural disasters and litigation costs. According to MoneyGeek, the average annual premium is notably high at $8,770, which is substantially above the national average. This figure underscores the impact of the state's insurance market conditions, including the risks associated with hurricanes and the high costs of litigation that insurers often pass onto consumers

What homeowners insurance is required in Florida?

The state does not require home insurance. Most mortgage companies and home lenders require homeowners to carry homeowners insurance and wind or hurricane insurance. Additionally if the home is in a high risk flood zone, flood insurance may also be required by the lender.

Does Florida have high home insurance?

Florida's home insurance rates are among the highest in the U.S. due to its susceptibility to hurricanes, high reinsurance costs, strict building codes, frequent litigation, and a challenging insurance market. These factors collectively contribute to the increased insurance premiums for homeowners.

Who insures the most homes in Florida?

Citizens Property Insurance Corp. is currently the largest property insurer in Florida.

Why are homeowners insurance companies pulling out of Florida?

Homeowners insurance companies are pulling out of Florida primarily due to the high risk of natural disasters, notably hurricanes and floods, which lead to frequent and costly claims. The state's litigious environment, rising reinsurance costs, and market instability further exacerbate the financial challenges for insurers, making it difficult to sustainably operate within the region.

Which homeowners insurance companies are pulling out of Florida?

Homeowners insurance companies like Farmers, Progressive, and AAA are pulling out of Florida or scaling back due to the state's high risk for natural disasters, rampant litigation, and insurance fraud. These factors create a challenging environment, leading to increased costs and financial risks for insurers, prompting them to reduce their exposure or exit the market entirely to mitigate potential losses

Can you go without homeowners insurance in Florida?

In Florida, you can legally go without homeowners insurance if you own your home outright; there's no state law requiring it. However, if you have a mortgage, your lender will likely require it to protect their investment. Even without a mortgage, skipping insurance is risky, especially in a state prone to hurricanes, floods, and other damages, potentially leaving you to cover all repair or rebuild costs out-of-pocket.

How can I lower my home insurance in Three Lakes, FL?

To lower your home insurance costs in Florida, consider upgrading your home to meet hurricane safety standards, shop around for quotes from different insurers, raise your deductible, and take advantage of any available discounts, such as those for security systems or being claim-free. Additionally, regularly reviewing and adjusting your policy to fit your current needs can ensure you're not overpaying for coverage you don't need.

Why is home insurance so high in Florida?

Homeowners insurance is high in Florida primarily due to the state's high risk of natural disasters, such as hurricanes and floods, leading to frequent and costly claims. Additionally, the state's litigious environment and high rates of insurance fraud contribute to increased costs for insurers, which are then passed on to consumers as higher premiums.

What part of Florida is most protected from hurricanes?

The safest places in Florida from hurricanes, emphasizing avoidance of storm surge, flooding, and high winds, include Winter Springs, Minneola, Heathrow, Doctor Phillips, Wekiwa Springs, Oviedo, The Villages, and St Cloud. These areas were selected based on their higher elevation, distance from the coast, and overall quality of life