Riviera Beach Insurance Rates:

Riviera Beach, FL home insurance is approximately $1,018 to $1,384, about $84-$115/month. Our detailed research reveals consumers can save upto $480 by getting multiple quotes

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Riviera Beach Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $4200/7 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $405,000

4 Beds, 4 Baths 3080 sqft Rental Property Constructed In 2008 with Wood Flooring, Metal Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Fire Extinguisher, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Divorced Male who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

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

  • 750-799 Credit Score

Home Insurance Rate of $5280/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $235,000

2 Beds, 2 Bath 1670 sqft Rental Property Constructed In 1971 with Carpet Flooring, Membrane Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Fire Extinguisher, Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Single Male who is Unemployed and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $1900/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $240,000

5 Beds, 5 Bath 2500 sqft Seasonal Residence Constructed In 1998 with Carpet Flooring, Slate Shingles Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Central Air Conditioning, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Single Female who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $420/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $235,000

2 Beds, 2 Bath 1740 sqft Rental Property Constructed In 2000 with Hardwood Flooring, Membrane Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Divorced Male who is a Freelancer with household income of $25-50,000 and has No Pets and is a Non-Smoker

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

  • 500-549 Credit Score

Home Insurance Rate of $3790/4 months for $600,000-$700,000 Coverage
Policy Holder Home Details :

Home Value : $800,000

4 Beds, 4 Baths 3378 sqft Primary Residence Constructed In 2002 with Carpet over wood flooring, Composition Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Married Female who has a Full Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

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

  • 700-749 Credit Score

  • Seniors staying at home

Riviera Beach, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
33404 $153,000 $1,180

Riviera Beach Rates & Quotes Analysis:

Riviera Beach Area Estimated House Insurance
Briar Ct, Marbella Dr, Dahlia Ave, Hunt Club Ln, Barbados Way E, Lake House Dr S, W Highland Pines Blvd, Canterbury Dr S, Lochmore Rd, Fairchild Gardens Ave$1,263
Maniki Dr, Iris Ave, Periwinkle Ct, Crocus Ct, W 13th St, Oakway Cir, Cypress St, Giralda Cir W, E Monet Cir, Poplar Ct$1,197
Ridge Rd, Ave T, Australian Cir, Ocean St, E 16th St, 92nd Ln N, Crescent Dr, Northpoint Pkwy, Sagewood Ct, Yacht Harbor Dr$1,180
Parke Ave, Lost Tree Way, Bermuda Rd, Peachtree Cir, Snug Harbor Dr, W Middle Rd, Ave F, Le Bateau Isle, Pin Oak Ct, Westchester Dr$1,357
W 23rd St, Colony Ave, Rj Hendley Ave, Foresteria Dr, Palm Bay Ter, Bimini Cir E, Riverwood Pl, Fathom Ct, Andros Dr, Wilsee Rd$1,209
Booker Dr, Sandy Point Ln, Coquina Way, W 26th St, S Suzanne Cir, Jack Nicklaus Dr, Ave T, E 27th St, S Bates Rd, W 17th St$1,146
Meadow Ln W, Ridge Rd, Grande Pkwy, Le Bateau Dr, Birmingham Dr, Northcorp Pkwy, Yacht Club Dr, Marine Way W, Shore Rd, Seminole Gardens Cir$1,185
Eadie Pl, Prosperity Bay Ct, Alamanda Way, Blakely Ct, Lake Arjaro Dr, Iris Ave, Osprey Way, Satinwood Ln, Native Dancer Rd S, Juno Rd$1,351
Premier Park Dr, Fairchild Gardens Ave, Brant Rd, Highpoint Dr, Kew Gardens Ave, W 3rd St, E Tall Oaks Cir, Emerald Ln, N Ocean Dr, Aspri Way$1,281
Greenway Dr, W 32nd St, W 24th Ct, Westchester Dr, Pine Lake Cir, Isle Dr, Islamorada Ct, W 19th St, W 8th St, Harbour Isle Ct$1,315

Insurance rates are influenced by a number of factors including:

  • Year Built: 10,886 Homes (19% of total) built between 1960 to 1969 in Riviera Beach are paying home insurance between $2,106-$2,124 and differs from North Palm Beach (+$31), Palm Beach Shores (+$177), Juno Beach (+$111), Lake Park (-$65) and Cabana Colony (-$67).
  • Bedrooms: 6,086 4 bedrooms homes (10% of total homes ) in Riviera Beach are paying about $1,406. Areas near to Riviera Beach such as North Palm Beach, Palm Beach Shores, Juno Beach are costlier by $9, $105, $62 respectively whereas Lake Park and Cabana Colony are more economical by $43, $45 respectively for similar homes.
  • Auto Insurance Bundling: 3,404 Households (12% of all households) in Riviera Beach have 3 or more vehicles available and when it is bundled with home insurance you can save $300 compared to North Palm Beach ($305), Lake Park ($291), Juno Ridge ($291).
  • Senior Discounts: 17,680 seniors (more than 55 years) occupied housing units (64% of total) in Riviera Beach get discounts between $179 to $182 in contrast with North Palm Beach ($183), Lake Park ($174), Palm Beach Shores ($195).
  • New Homes discounts: New homes such as the 22,477 homes built between 2000 to 2009 in Riviera Beach can save $240 and differs from North Palm Beach ($244), Lake Park ($233), Juno Ridge ($233).

Riviera Beach Homeowners insurance Facts

  • Riviera Beach, FL has 27,311 owner occupied houses which is 64.1% of all units whereas North Palm Beach, Lake Park and Juno Ridge have 76.11%, 50.09% and 29.85% respectively.
  • Riviera Beach, FL homeowners yearly insurance price at $1,202 is 0.55% of the typical house value of $218,100 which is in contrast with 0.49% in North Palm Beach, 0.74% at Lake Park & 0.74% in Juno Ridge.
  • Homeowners in Riviera Beach, FL pay 3.21% of their income ($35,000 to $39,999) in insurance whereas homeowners in North Palm Beach, Lake Park and Juno Ridge pay 3.25%, 3.11% and 3.11% respectively.
  • Riviera Beach, FL’s insurance is 5.8% of monthly housing costs of $1,734/month, for owners with a mortgage compared to 5.08% in North Palm Beach, 6.8% at Lake Park & 7.06% in Juno Ridge. But, for households without a mortgage, insurance is 15.3% of costs ($653 in Riviera Beach, FL) in contrast with 14.36% in North Palm Beach, 20.66% at Lake Park & 21.06% in Juno Ridge.

Riviera Beach, FL Home Values & Insurance rates

For example, insurance for 3,328 Homes (15.0% of total homes ) valued between $200,000 to $249,999 in Riviera Beach, FL is about $1,238. Rates in nearby areas in such as North Palm Beach, Palm Beach Shores, Juno Beach are cheaper by $140, $483, $378 respectively while Lake Park and Cabana Colony are costlier by $427 and $449 respectively for similar homes.

Riviera Beach, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,446 6.0% $132
$50,000 to $59,999 488 2.0% $288
$60,000 to $69,999 477 2.0% $348
$70,000 to $79,999 730 3.0% $408
$80,000 to $89,999 771 3.0% $456
$90,000 to $99,999 744 3.0% $516
$100,000 to $124,999 1,859 8.0% $601
$125,000 to $149,999 1,779 8.0% $757
$150,000 to $174,999 2,383 11.0% $889
$175,000 to $199,999 1,787 8.0% $1021
$200,000 to $249,999 3,328 15.0% $1238
$250,000 to $299,999 2,405 11.0% $1514
$300,000 to $399,999 2,815 13.0% $1923

Renters Insurance in Riviera Beach

  • Average Renters Insurance in Riviera Beach :  $115($9/month)

  • Median Gross Rent in Riviera Beach :  $1,123

  • Riviera Beach Renters Insurance to Median Rent Ratio:  0.8%

  • Renter occupied housing units in Riviera Beach :  15,286

Riviera Beach Renters Insurance as a Percentage of Rent

Riviera Beach Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 155 1.0% $328
$200 to $299 219 1.0% $778
$300 to $499 336 2.0% $1228
$500 to $749 1,239 8.0% $1903
$750 to $999 3,302 22.0% $2653
$1,000 to $1,499 6,662 46.0% $3778
$1,500 or more 2,515 17.0% $5428

Rent Affordability in Riviera Beach:

Approximately 55.0% (8,514) of households are spending more than 35% of their income on gross rent in Riviera Beach

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,030 6.0%
15.0 to 19.9 percent 1,307 8.0%
20.0 to 24.9 percent 1,818 11.0%
25.0 to 29.9 percent 1,471 9.0%
30.0 to 34.9 percent 1,146 7.0%
35.0 percent or more 8,514 55.0%

Riviera Beach Renters Insurance Discounts:

Riviera Beach Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Riviera Beach, FL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 8,549 55.0% $11.5
2 vehicles available 3,665 23.0% $17.25
3 or more vehicles available 841 5.0% $23.0

Protective device discount in Riviera Beach Up to :  $17

Claims-free discount in Riviera Beach Up to :  $23