--- title: Florida Home Insurance Premiums Don’t Rise As Much As You Would Think | UCS description: Learn the common misconception of rising insurance premiums after filing a claim, as well as why your insurance provider shouldn’t be trying to use this against you. image: https://www.ucspa.com/hubfs/Imported_Blog_Media/AdobeStock_80435789-e1518548441208-4.jpeg --- - [![Phone Image](https://www.ucspa.com/hubfs/Home%20Page/Phone-WhiteIcon.png)855-321-LOSS(5677) ](tel:8553215677) - [![Mail Image](https://www.ucspa.com/hubfs/Home%20Page/Mail-WhiteICon.png) claims@ucspa.com ](mailto:claims@ucspa.com) - [![facebook-Green](https://www.ucspa.com/hubfs/Home%20Page/facebook-Green.png) ](https://www.facebook.com/UnitedClaimsSpecialistsFL) - [![Twitter-Green](https://www.ucspa.com/hubfs/Home%20Page/Twitter-Green.png) ](https://twitter.com/ucs_pa) - [![LinkedIn-Green](https://www.ucspa.com/hubfs/Home%20Page/LinkedIn-Green.png) ](https://www.linkedin.com/company/united-claims-specialists/) [![ucs-new-logo](https://www.ucspa.com/hs-fs/hubfs/Assets%20-%20UCSFL/ucs-new-logo.png?width=1500&height=250&name=ucs-new-logo.png) ](https://www.ucspa.com) [ Call Now ](tel:8553215677) [Insurance Claims](https://www.ucspa.com/blog/tag/insurance-claims), [Homeowners Insurance](https://www.ucspa.com/blog/tag/homeowners-insurance) | 3 mins # Florida Home Insurance Premiums Don’t Rise As Much As You Would Think Written by [JS](https://www.ucspa.com/blog/author/js) October 27, 2014 9 PM ![Featured Image](https://www.ucspa.com/hubfs/Imported_Blog_Media/AdobeStock_80435789-e1518548441208-4.jpeg) [![New call-to-action](https://no-cache.hubspot.com/cta/default/20198825/453d9b37-a353-43fe-b368-f863319e97fe.png)](https://cta-redirect.hubspot.com/cta/redirect/20198825/453d9b37-a353-43fe-b368-f863319e97fe) Filing a claim with home insurance providers is something that many South Florida homeowners are reluctant to do. According to [HomeInsurance.com](https://homeinsurance.com/rates-in-your-state/), Florida ranks number 4 on the list of states that pay the highest insurance premiums so it is no secret as to why some homeowners are weary of putting in a claim. ### Only A 3% Increase After A Claim Although Floridians pay some of the highest insurance premiums in the country, the trade off is that rates don’t rise significantly the year after filing a claim. [According to the Sun Sentinel](https://www.sun-sentinel.com/business/personal-finance/fl-florida-homeowners-insurance-20141020-story.html), Florida homeowners are subjected to a 3 percent increase which is much lower than the national average of 9 percent. Home owners in other states have paid increases over 30% after filing a claim. ### We Are Claims Specialists You won’t have to worry about a huge rate increase after filing a claim but you unfortunately still have to deal with a self-serving insurance company. At United Claims Specialists, we are experienced in dealing with the biggest insurance companies and getting our clients in Miami, Broward, and Palm Beach the proper compensation. Contact us for a free property inspection. ### GET HELP WITH YOUR CLAIM ## Related Articles [![A clipboard with the words ](https://www.ucspa.com/hs-fs/hubfs/Imported_Blog_Media/The-coinsurance-claus-blog-img.jpg?width=352&name=The-coinsurance-claus-blog-img.jpg) ](https://www.ucspa.com/blog/the-coinsurance-clause-in-a-home-insurance-policy) ### [The coinsurance clause in a home insurance policy](https://www.ucspa.com/blog/the-coinsurance-clause-in-a-home-insurance-policy) [Insurance Claims](https://www.ucspa.com/blog/tag/insurance-claims), [Homeowners Insurance](https://www.ucspa.com/blog/tag/homeowners-insurance) | 3 mins [![A perfectly maintained white kitchen with wood furnishings](https://www.ucspa.com/hs-fs/hubfs/How%20to%20file%20a%20homeowners%20insurance%20claim.jpg?width=352&name=How%20to%20file%20a%20homeowners%20insurance%20claim.jpg) ](https://www.ucspa.com/blog/file-homeowners-insurance-claim) ### [How To File a Homeowners Insurance Claim](https://www.ucspa.com/blog/file-homeowners-insurance-claim) [Insurance Claims](https://www.ucspa.com/blog/tag/insurance-claims), [Homeowners Insurance](https://www.ucspa.com/blog/tag/homeowners-insurance) | 3 mins [![denied homeowners insurance claim](https://www.ucspa.com/hs-fs/hubfs/ContactUs%20Page/homeblog-denied-claim.jpg?width=352&name=homeblog-denied-claim.jpg) ](https://www.ucspa.com/blog/how-to-manage-a-denied-homeowners-insurance-claim) ### [How To Manage A Denied Homeowners Insurance Claim](https://www.ucspa.com/blog/how-to-manage-a-denied-homeowners-insurance-claim) [Insurance Claims](https://www.ucspa.com/blog/tag/insurance-claims), [Homeowners Insurance](https://www.ucspa.com/blog/tag/homeowners-insurance) | 3 mins [![new logo (5)](https://www.ucspa.com/hubfs/new%20logo%20(5).jpg) ](https://www.ucspa.com) We help homeowners, building owners, property managers and contractors file property damage claims, get higher payouts,  and eliminate the headaches of dealing with insurance claims. Don't file another claim without us! ###### MENU - [Storm Damage](https://www.ucspa.com/storm-damage) - [Property Damage](https://www.ucspa.com/property-damage-claims) - [Residential Claims](https://www.ucspa.com/property-damage-claims) - [Commercial Claims](https://www.ucspa.com/commercial-public-adjuster) - [Denied Claims](https://www.ucspa.com/blog/how-to-manage-a-denied-homeowners-insurance-claim) - [Contractor Claim Services](https://www.ucspa.com/contractor-claim-services) - [ About Us ](https://www.ucspa.com/about-us) ###### LOCATIONS - [Florida](https://www.ucspa.com/public-adjuster-florida) - [Los Angeles](https://www.ucspa.com/public-adjuster-los-angeles) - [Texas](https://www.ucspa.com/public-adjuster-houston) - [Louisiana](https://www.ucspa.com/public-adjuster-louisiana) - [New York](https://www.ucspa.com/public-adjuster-new-york) - [New Jersey](https://www.ucspa.com/public-adjuster-new-jersey) - [Georgia](https://www.ucspa.com/public-adjuster-georgia) - [Pennsylvania](https://www.ucspa.com/public-adjuster-pennsylvania) FLORIDA LIC# W806268 - [![](https://www.ucspa.com/hubfs/Home%20Page/mail-footer.png) claims@ucspa.com](mailto:%20claims@ucspa.com) - [![](https://www.ucspa.com/hubfs/Home%20Page/mobile-icon.png) 855-321-LOSS(5677)](tel:8553215677) ###### Business Hours - ![](https://www.ucspa.com/hubfs/Home%20Page/clock.png) Mon-Fri: 9:00am-5:00pm ###### Schedule Free Inspection - - - - [ Privacy policy. ](https://www.ucspa.com/privacy-policy) - [ Terms & conditions. ](https://www.ucspa.com/terms-and-conditions) © 2009-2022 United Claims Specialists. 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