Most home buyers embark into the home buying process not even knowing what the cost of Homeowners' insurance is. In Florida, the rates and costs fluctuate from year to year. It's important to know going in what costs may be associated with purchasing a new home. The Homeowners' Insurance Affordability Index compares premiums to household income for that particular county. In Florida it shows that Sumter County has the most affordable homeowners' insurance while Miami-Dade has the least affordable homeowners' insurance.Visit and look under business climate & Competitiveness button, and then click on Homeowners' Insurance Affordability heat map to see how different counties throughout Florida compare.