evidence: A report from the Insurance Information Institute confirms what many Florida homeowners have suspected: Their insurance premiums are some of the highest in the nation. The annual cost of a Florida homeowners policy this year will jump to $4,231 – almost three times the U.S. average, the Institute said in a new analysis. "Floridians pay the highest homeowners insurance premiums in the nation for reasons having little to do with their exposure to hurricanes," Sean Kevelighan, CEO of the Institute, said in a news release. "Floridians are seeing homeowners insurance become costlier and scarcer because for years the state has been the home of too much litigation and too many fraudulent roof replacement schemes."