Vero Beach Insurance Rates:

Vero Beach, FL home insurance is nearly $997 to $1,351, about $83-$112/month. Our complete research reveals consumers can save upto $469 by getting many quotes

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Vero Beach, Florida Homeowners Insurance Reviews reveal the good & the bad so that you can compare the cheapest quotes from the best

Vero Beach Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Chubb Group of Insurance
Home Insurance Rate of $3140/5 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $515,000

5 Beds, 5 Baths 4590 sqft Primary Residence Constructed In 1993 with Ceramic Tile Flooring, Shingles Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Deadbolt Locks, Swimming Pool, Fireplace, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Married Male who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $2860/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $255,000

4 Beds, 4 Baths 2550 sqft Vacation Property Constructed In 1986 with Linoleum, Slate Shingles Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

27 Years old Married Female who has a Full Time Job with household income of more than $150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $3570/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $270,000

5 Beds, 5 Bath 2390 sqft Vacation Property Constructed In 1992 with Hardwood Flooring, Wood Shake Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Indoor Sprinklers, Smoke Alarm, Swimming Pool, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $1320/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $170,000

5 Beds, 5 Baths 1740 sqft Seasonal Residence Constructed In 1985 with Wood Flooring, Metal Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Fireplace, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Single Male who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Non-Smoker

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

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $2880/10 months for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $145,000

3 Beds, 3 Baths 1985 sqft Rental Property Constructed In 1988 with Stone Flooring, Wood Shake Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Vero Beach, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
32968 $196,000 $1,200
32967 $182,200 $1,190
32960 $144,700 $1,170
32962 $114,600 $1,150
32966 $110,900 $1,140

Vero Beach Rates & Quotes Analysis:

Vero Beach Area Estimated House Insurance
109th Pl, Lake Rose Blvd, 38 Sq SW, 22nd Ave, Orangewood Ln, 56th Ave, Bridge Blvd, Port Royal Ct, 79th Ct, Greenleaf Cir$1,158
N Savannah Pl, Stophan Dr, Orchid Point Way, W Sandpointe Ln, Salazar Ln, 18th Ave SW, 55th St, Southwinds Blvd, Spire Ave, Treasure Coast Plz$1,489
Bay Oak Cir, Barber Ave, Potomac Ave, Acorn Ter, Seaway Ct, Kendall Ave, Browning Ter, 43 Ter SW, Wittington Ave, Dove Shell Ln$1,432
7th Ave, Coral Reef St, Surfside Ln, Airport Dr W, Fairfield Ln, 3rd Ln SW, Waterford Dr, 7th Ave SE, 42nd Ln, Monarch Way$1,167
S Maiden Ln, Jonathans Trl, 71st Ave, 7th Ln, Barbados Sq, Floraland Ave, Albany Ter SW, Arbor Ln, 4th Pl, Mainsail St$1,198
Westwind Ct, Coral Way S, Club Dr, Tides Rd, Cownie Ln, 56th St, Island Club Pl, Roland Miller Dr, 15th St SW, Kroegel Ave$1,479
Oswego Ave, Riverside Dr, Twining Ter, 17th Ave SW, Palmetto Ave, 45th St, Indian River Dr E, Oak Hammock Cir SW, Belvedere Trl, Streamlet Ave$1,486
67th Ave, Cordova Ave, Abbott Ln, Oak Harbor Blvd, 82nd St, 39th Ave SW, 133rd Sq, 81st Ave, Caprol Ln, 65th Ave$1,159
E Derry Dr, Brigadoon Dr, Abeto Ter, 130th St, 3rd Pl, 60th Dr, Joan Ln, Indian Ln, Cross Ct, 83rd St$1,126
44th Ct, Shady Oak Way, Indian Creek Blvd E, Balboa Ave, 46th Ln, Seaside Ter, 9th Trl SW, E Cam del Rio, Greytwig Rd, 23rd Pl SW$1,147

Insurance rates are influenced by a number of factors including:

  • Year Built: 10,252 Homes (15% of total homes ) built between 1970 to 1979 in Vero Beach are paying home insurance between $1,902-$1,920. Places close to Vero Beach, FL such as Winter Beach, Indian River Shores, Gifford are more expensive by $59, $477, $52 respectively while Vero Beach South and West Vero Corridor are cheaper by $19 and $92 respectively for similar homes.
  • Bedrooms: 24,436 2 bedrooms homes (37% of total homes ) in Vero Beach are paying about $681. Areas near to Vero Beach such as Winter Beach, Indian River Shores, Gifford are costlier by $21, $170, $18 respectively whereas Vero Beach South and West Vero Corridor are more economical by $7, $33 respectively for similar homes.
  • Auto Insurance Bundling: 17,110 Households (43% of all households) in Vero Beach have 2 vehicles available and when it is bundled with home insurance you can save $234. Discounts for similar bundling in close by locations such as Winter Beach, Indian River Shores, Gifford come to $241, $293, $241 respectively.
  • Senior Discounts: 26,556 seniors (more than 55 years) occupied housing units (68% of total) in Vero Beach get discounts between $175 to $178. The comparative concessions in proximate regions such as Winter Beach, Indian River Shores and Gifford are $181, $220 and $180 respectively.
  • New Homes discounts: New homes such as the 35,320 homes built between 2000 to 2009 in Vero Beach can save $234 and varies from Winter Beach ($241), Indian River Shores ($293), Gifford ($241).

Vero Beach Homeowners insurance Facts

  • Vero Beach, FL has 38,970 owner occupied houses which is 75.7% of all units whereas Winter Beach, Indian River Shores and Gifford have 87.87%, 95.76% and 52.58% respectively.
  • Vero Beach, FL homeowners yearly insurance price at $1,173 is 0.68% of the typical house value of $171,900 which is in contrast with 0.52% in Winter Beach, 0.22% at Indian River Shores & 0.54% in Gifford.
  • Homeowners in Vero Beach, FL pay 6.7% of their income ($15,000 to $19,999) in insurance whereas homeowners in Winter Beach, Indian River Shores and Gifford pay 6.91%, 8.38% and 6.89% respectively.
  • Vero Beach, FL’s insurance is 6.7% of monthly housing costs of $1,454/month, for owners with a mortgage compared to 6.15% in Winter Beach, 3.61% at Indian River Shores & 7.26% in Gifford. But, for households without a mortgage, insurance is 19.1% of costs ($512 in Vero Beach, FL) in contrast with 16.12% in Winter Beach, 12.21% at Indian River Shores & 17.93% in Gifford.

Vero Beach, FL Home Values & Insurance rates

For example, insurance for 3,860 Homes (11.0% of total homes ) valued between $200,000 to $249,999 in Vero Beach, FL is about $1,536. Rates in nearby areas in such as Winter Beach, Indian River Shores, Gifford are cheaper by $364, $1,052, $331 respectively while Vero Beach South and West Vero Corridor are costlier by $193 and $1,812 respectively for similar homes.

Vero Beach, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,306 7.0% $164
$50,000 to $59,999 1,027 3.0% $351
$60,000 to $69,999 1,308 4.0% $434
$70,000 to $79,999 1,185 3.0% $504
$80,000 to $89,999 1,839 5.0% $574
$90,000 to $99,999 1,467 4.0% $645
$100,000 to $124,999 3,568 11.0% $738
$125,000 to $149,999 3,119 9.0% $926
$150,000 to $174,999 4,176 12.0% $1102
$175,000 to $199,999 2,502 7.0% $1278
$200,000 to $249,999 3,860 11.0% $1536
$250,000 to $299,999 2,863 8.0% $1876
$300,000 to $399,999 3,063 9.0% $2381

Renters Insurance in Vero Beach

  • Average Renters Insurance in Vero Beach :  $146($12/month)

  • Median Gross Rent in Vero Beach :  $860

  • Vero Beach Renters Insurance to Median Rent Ratio:  1.4%

  • Renter occupied housing units in Vero Beach :  12,481

Vero Beach Renters Insurance as a Percentage of Rent

Vero Beach Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 185 1.0% $786
$300 to $499 758 6.0% $1236
$500 to $749 2,920 24.0% $1911
$750 to $999 3,827 32.0% $2661
$1,000 to $1,499 2,792 23.0% $3786
$1,500 or more 1,151 9.0% $5436

Rent Affordability in Vero Beach:

Approximately 57.0% (7,211) of households are spending more than 35% of their income on gross rent in Vero Beach

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 657 5.0%
15.0 to 19.9 percent 723 5.0%
20.0 to 24.9 percent 1,277 10.0%
25.0 to 29.9 percent 1,307 10.0%
30.0 to 34.9 percent 1,306 10.0%
35.0 percent or more 7,211 57.0%

Protective device discount in Vero Beach Up to :  $21

Claims-free discount in Vero Beach Up to :  $29