Homeowner's insurance does not have to be a barrier to buying your ideal home. In today's market, buyers can find ways to make associated costs easier on the wallet. The average insurance cost for a Florida homeowner is $2,385 a year, or about $199 a month, according to NerdWallet. In Miami, the average annual rate was $4,740, in Fort Lauderdale it was $3,985 and in Boca Raton it was $2,945, as of September. Here are some ways that real estate buyers have been finding savings: