What is the minimum amount of homeowners insurance you need on a home in Florida?

There actually is no legal requirement that says you must have homeowner's insurance. However, most mortgage companies will require you to have a policy that at a minimum covers the remaining amount of the mortgage.

This will depend on the regulations of each individual insurance company. Some specialize in low value dwelling policies. Others have rather high minimum coverage amounts. Be carefull and read the terms of the policy. Most all homeowners policies have penalties if you do not insure it for a certain percentage of either actual cash value or replacement cost depending on the policy.