Fort Pierce Insurance Rates:

Fort Pierce, FL home insurance is roughly $960 to $1,303, about $80-$108/month. Our comprehensive guide indicates shoppers can save as much as $452 by comparing many quotes

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Fort Pierce Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $280/2 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $95,000

3 Beds, 3 Baths 1200 sqft Primary Residence Constructed In 1996 with Wood Flooring, Slate Shingles Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Copper Water Pipes, Swimming Pool, Deadbolt Locks, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

27 Years old Single Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $510/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $145,000

4 Beds, 4 Baths 1750 sqft Rental Property Constructed In 2012 with Ceramic Tile Flooring, Metal Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Deadbolt Locks, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1490/5 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $175,000

4 Beds, 4 Baths 2200 sqft Rental Property Constructed In 2013 with Ceramic Tile Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Fireplace, Central Air Conditioning, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Divorced Male who has a Full Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $2850/10 months for $175,000-$200,000 Coverage
Policy Holder Home Details :

Home Value : $150,000

2 Beds, 2 Bath 2524 sqft Primary Residence Constructed In 2007 with Carpet Flooring, Metal Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Single Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Seniors staying at home

Fort Pierce, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
34951 $90,000 $1,130
34947 $87,500 $1,130
34946 $82,400 $1,130
34950 $73,500 $1,120
34949 $257,300 $1,240
34981 $194,400 $1,190
34945 $124,300 $1,160
34982 $100,600 $1,130

Fort Pierce Rates & Quotes Analysis:

Fort Pierce Area Estimated House Insurance
Dickinson Ter, N 44th St, Alhambra S, S 17th St, Vernon St, NW Rainbow St, NW Fairfax Ave, S 32nd St, S 27th St, Millwood Dr$1,114
Lakes End Dr, Old Dixie Hwy, NW Brookhaven Cir, la Salle St, Kelly Ct, NW Scepter Dr, Captains Walk, NW Forlano St, Sarasota Ave, Blossom Ct$1,159
Short St, Wild Orchid Ln, Grand Club Pl, NE Granduer Ave, NW Manville Dr, NE Midvale St, NW Selvitz Rd, Sherwood Ln, Lee Blvd, NW Placid Ave$1,178
NW Abadan St, Nekoma St, Nogales Way, Jenkins Park Ave, Pirate Cove Ln, Bromeliad Cir, E Sanderling Ln, U Vista Ct, Paso Robles Blvd, Kentucky Ave$1,175
SE Montilla Way, N Park Dr, Sun Pointe Dr, W White City Rd, Buckeye Dr, SE Brashford St, NE Purple Martin Pl, Abbott St, Timberview Dr, NE St James Dr$1,175
Elm Ave, Old Edwards Rd, SE Walton Lakes Dr, W Angle Rd, Olive St, Soltman Ave, Pruitt Research Center Rd, S 41st St, Lake Shore Blvd, Devine Rd$1,132
NW Elaine St, NE Ardsley Dr, Pines Knoll Dr, NW Viscaya St, River Dr, Yacht View Ln, Manor Dr, Place Lake Dr, Warbler Ln, Cashew Ln$1,119
SE Brandon Cir, Juanita Ave, Baysinger Ave, Rosita, Worlington Ter, Red Tailed Hawk Dr, Noa St, NE Turtleback Trl, Poinsettia Ave, Silverstream Cir$1,131
McClintock Way, Happiness St, S 24th St, Osceola Ave, Sweetwater Dr, Driftwood Ln, Sharon Ter, Bermuda Beach Dr, Savannah St, Peters Rd$1,134
Bobcat Run, N 16th St, S 28th St, Edwards Rd, NW Ever Rd, NE Armory Cir, Paleo Pines Cir, Ale Ct, Sabal Way, Anglefish Dr$1,179

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,826 Homes (14% of total) built between 1990 to 1999 in Fort Pierce are paying home insurance between $1,633-$1,650 compared to White City (+$89), St. Lucie County (+$29), Florida Ridge (+$12), Fort Pierce North (-$17) and Fort Pierce South (-$14).
  • Bedrooms: 4,539 1 bedroom homes (8% of total homes ) in Fort Pierce are paying about $634 and differs from St. Lucie Village (+$51), White City (+$35), Indian River Estates (+$4), Fort Pierce North (-$18) and Fort Pierce South (-$5).
  • Auto Insurance Bundling: 10,291 Households (37% of all households) in Fort Pierce have 2 vehicles available and when it is bundled with home insurance you can save $226. Discounts for similar bundling in close by locations such as Fort Pierce North, Fort Pierce South, St. Lucie Village come to $224, $224, $249 respectively.
  • Senior Discounts: 18,166 seniors (more than 55 years) occupied housing units (65% of total) in Fort Pierce get discounts between $169 to $172. The comparative concessions in proximate regions such as Fort Pierce North, St. Lucie Village and White City are $168, $186 and $179 respectively.
  • New Homes discounts: New homes such as the 21,950 homes built between 2000 to 2009 in Fort Pierce can save $226 and similar new home insurance discounts in nearby towns and cities like Fort Pierce North, Fort Pierce South and St. Lucie Village are $224, $224 and $249 respectively.

Fort Pierce Homeowners insurance Facts

  • Fort Pierce, FL has 27,704 owner occupied houses which is 66.7% of all units whereas Fort Pierce North, Fort Pierce South and St. Lucie Village have 71.98%, 73.68% and 78.19% respectively.
  • Fort Pierce, FL homeowners yearly insurance price at $1,132 is 1.12% of the typical house value of $100,700 which is in contrast with 1.37% in Fort Pierce North, 1.32% at Fort Pierce South & 0.43% in St. Lucie Village.
  • Homeowners in Fort Pierce, FL pay 1.51% of their income ($75,000 or more) in insurance whereas homeowners in Fort Pierce North, Fort Pierce South and St. Lucie Village pay 1.49%, 1.5% and 1.66% respectively.
  • Fort Pierce, FL’s insurance is 7.1% of monthly housing costs of $1,327/month, for owners with a mortgage compared to 8.55% in Fort Pierce North, 7.84% at Fort Pierce South & 6.47% in St. Lucie Village. But, for households without a mortgage, insurance is 22.4% of costs ($422 in Fort Pierce, FL) in contrast with 27.78% in Fort Pierce North, 31.48% at Fort Pierce South & 12.21% in St. Lucie Village.

Fort Pierce, FL Home Values & Insurance rates

For example, insurance for 888 Homes (3.0% of total homes ) valued between $300,000 to $399,999 in Fort Pierce, FL is about $3,928. Rates in nearby areas in such as St. Lucie Village, White City, Indian River Estates are cheaper by $2,434, $1,887, $344 respectively while Fort Pierce South and River Park are costlier by $672 and $966 respectively for similar homes.

Fort Pierce, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 5,426 20.0% $271
$50,000 to $59,999 1,449 5.0% $588
$60,000 to $69,999 1,774 6.0% $724
$70,000 to $79,999 1,727 6.0% $837
$80,000 to $89,999 2,043 7.0% $950
$90,000 to $99,999 1,345 5.0% $1064
$100,000 to $124,999 3,194 12.0% $1233
$125,000 to $149,999 2,074 7.0% $1539
$150,000 to $174,999 2,525 9.0% $1822
$175,000 to $199,999 1,367 5.0% $2105
$200,000 to $249,999 1,771 6.0% $2524
$250,000 to $299,999 957 3.0% $3090
$300,000 to $399,999 888 3.0% $3928

Renters Insurance in Fort Pierce

  • Average Renters Insurance in Fort Pierce :  $191($15/month)

  • Median Gross Rent in Fort Pierce :  $880

  • Fort Pierce Renters Insurance to Median Rent Ratio:  1.7%

  • Average household size of renter-occupied unit :  2.75

Fort Pierce Renters Insurance as a Percentage of Rent

Fort Pierce Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 188 1.0% $347
$200 to $299 218 1.0% $797
$300 to $499 903 6.0% $1247
$500 to $749 2,961 22.0% $1922
$750 to $999 4,447 33.0% $2672
$1,000 to $1,499 3,780 28.0% $3797
$1,500 or more 648 4.0% $5447

Rent Affordability in Fort Pierce:

Approximately 60.0% (8,424) of households are spending more than 35% of their income on gross rent in Fort Pierce

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 604 4.0%
15.0 to 19.9 percent 946 6.0%
20.0 to 24.9 percent 1,288 9.0%
25.0 to 29.9 percent 1,372 9.0%
30.0 to 34.9 percent 1,215 8.0%
35.0 percent or more 8,424 60.0%

Protective device discount in Fort Pierce Up to :  $28

Claims-free discount in Fort Pierce Up to :  $38

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