West Palm Beach Insurance Rates:

West Palm Beach, FL home insurance is roughly $985 to $1,337, about $82-$111/month. Our in depth guide shows customers can save upto $464 by comparing many quotes

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West Palm Beach Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $380/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $185,000

3 Beds, 3 Baths 1720 sqft Vacation Property Constructed In 1994 with Wood Flooring, Slate Shingles Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $1080/4 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $185,000

3 Beds, 3 Baths 2150 sqft Primary Residence Constructed In 1982 with Stone Flooring, Tile Roof, Slab Foundation, Stucco siding, Metal Frame Construction. Home Features Include Swimming Pool, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

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

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $620/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Bath 2090 sqft Vacation Property Constructed In 1960 with Carpet over wood flooring, Wood Shake Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $1200/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $175,000

4 Beds, 4 Baths 2100 sqft Rental Property Constructed In 1982 with Wood Flooring, Slate Shingles Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $710/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $150,000

2 Beds, 2 Bath 1730 sqft Primary Residence Constructed In 1967 with Carpet over wood flooring, Membrane Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Central Air Conditioning, Smoke Alarm, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

25 Years old Single Female who is a Freelancer with household income of $100-$150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $1060/7 months for $50,000-$75,000 Coverage
Policy Holder Home Details :

Home Value : $65,000

1 Bed, 1 Bath 656 sqft Rental Property Constructed In 2006 with Stone Flooring, Slate Shingles Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Fireplace, Indoor Sprinklers, Fire Extinguisher, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Divorced Female who has a Full Time Job with household income of $50-$75,000 and has 2 Pets and is a Smoker

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

  • 750-799 Credit Score

  • Seniors staying at home

West Palm Beach, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
33412 $321,000 $1,290
33414 $279,100 $1,240
33413 $203,400 $1,210
33405 $201,200 $1,200
33401 $173,600 $1,200
33407 $156,700 $1,170

West Palm Beach Rates & Quotes Analysis:

West Palm Beach Area Estimated House Insurance
Sheffield G, East Pkwy, 73rd Way, Ontario Pl, Lincoln St, Frank St, Pamela Ln, Hampton Rd, Primavera Way, Division Ave$1,143
Via Las Brisas, Briarwood Ave, 21st St, N Lake Way, Century Blvd, Dora Ln, Anthony Cir S, 19th St, Pine Cone Ln, Faith Ave$1,130
17th St, Fox Trce, Park Cir W, Henrietta Ave, Cheerful St, N Ware Dr, Chadbourne Ct, Essex Ln, Elwa Pl, N 62nd Dr$1,227
Hemstreet Pl, Tiffany Dr S, Eiffel Dr, Henrietta Ave, Southdale Rd, Cherry Ln, 30th Ct, Crescent Creek Way, Nottingham Blvd, Green St$1,146
Biscayne Blvd, Fair Green Rd, Worthington St, N Tamarind Ave, Fairway Dr, Mariesa Ave, Westwood Rd, Laken Dr, Corporate Way, Revere Rd$1,154
Marlene Ct, S Woods Rd, Hi Mount Rd, 12th St, Cezanne Rd, Latham Rd, 24th St, Sunrise Ave, Vallette Way, Sandpiper Dr$None
Buccaneer Trl, Donnell Rd, Vincent Rd, Spencer Dr, Upland Rd, North St, Ashworth St, Erie Pl, Haverhill Ct, Owl Pointe Cir$1,165
Huron Pl, Alexander Rd, N Narcissus Ave, Hunter St, 47th Pl N, Golf Rd, Velvet Pl S, Campanelli Cir, Quartz Ter, Plantation Rd$1,175
Elmhurst Rd, 63rd Trl N, Orange Ct, Clark St, Atlantic Ave, Eiffel Dr, Jody Rd, Garden Rd, E Ibis Isle Rd, List Rd$None
S Flagler Way, Edham Dr, S Lake Trl, 44th St, Emerald Ln, 53rd Ct N, Greenwood Ave, Cranesnest Way, Newton Woods Ln, Pinebreeze Ct$1,187

Insurance rates are influenced by a number of factors including:

  • Year Built: 17,984 Homes (22% of total) built between 1970 to 1979 in West Palm Beach are paying home insurance between $1,881-$1,899 and varies from Palm Beach (+$687), Glen Ridge (+$149), Lake Clarke Shores (+$126), Westgate (-$30) and Gun Club Estates (-$76).
  • Bedrooms: 19,712 3 bedrooms homes (25% of total homes ) in West Palm Beach are paying about $847. Areas near to West Palm Beach such as Palm Beach, Cloud Lake, Glen Ridge are costlier by $309, $25, $80 respectively whereas Gun Club Estates and Schall Circle are more economical by $23, $27 respectively for similar homes.
  • Auto Insurance Bundling: 4,273 Households (13% of all households) in West Palm Beach have 3 or more vehicles available and when it is bundled with home insurance you can save $290 compared to Palm Beach ($395), Cloud Lake ($294), Glen Ridge ($313).
  • Senior Discounts: 19,373 seniors (more than 55 years) occupied housing units (59% of total) in West Palm Beach get discounts between $173 to $176. The comparative concessions in proximate regions such as Palm Beach, Cloud Lake and Glen Ridge are $237, $176 and $187 respectively.
  • New Homes discounts: New homes such as the 26,532 homes built between 2000 to 2009 in West Palm Beach can save $232 in contrast with Palm Beach ($316), Cloud Lake ($235), Glen Ridge ($250).

West Palm Beach Homeowners insurance Facts

  • West Palm Beach, FL has 32,388 owner occupied houses which is 55.5% of all units whereas Palm Beach, Cloud Lake and Glen Ridge have 85.21%, 61.54% and 92.0% respectively.
  • West Palm Beach, FL homeowners yearly insurance price at $1,160 is 0.77% of the typical house value of $149,800 which is in contrast with 0.18% in Palm Beach, 0.66% at Cloud Lake & 0.41% in Glen Ridge.
  • Homeowners in West Palm Beach, FL pay 3.57% of their income ($30,000 to $34,999) in insurance whereas homeowners in Palm Beach, Cloud Lake and Glen Ridge pay 4.87%, 3.62% and 3.85% respectively.
  • West Palm Beach, FL’s insurance is 6.0% of monthly housing costs of $1,622/month, for owners with a mortgage compared to 3.3% in Palm Beach, 6.73% at Cloud Lake & 4.86% in Glen Ridge. But, for households without a mortgage, insurance is 18.1% of costs ($533 in West Palm Beach, FL) in contrast with 13.18% in Palm Beach, 27.27% at Cloud Lake & 16.05% in Glen Ridge.

West Palm Beach, FL Home Values & Insurance rates

For example, insurance for 3,142 Homes (11.0% of total homes ) valued between $150,000 to $174,999 in West Palm Beach, FL is about $1,252. Rates in nearby areas in such as Palm Beach, Glen Ridge, Lake Clarke Shores are cheaper by $968, $589, $534 respectively while Westgate and Gun Club Estates are costlier by $333 and $1,330 respectively for similar homes.

West Palm Beach, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 4,694 17.0% $185
$50,000 to $59,999 1,022 3.0% $406
$60,000 to $69,999 1,179 4.0% $498
$70,000 to $79,999 1,452 5.0% $580
$80,000 to $89,999 1,409 5.0% $649
$90,000 to $99,999 1,412 5.0% $730
$100,000 to $124,999 2,940 10.0% $846
$125,000 to $149,999 2,100 7.0% $1055
$150,000 to $174,999 3,142 11.0% $1252
$175,000 to $199,999 1,343 4.0% $1450
$200,000 to $249,999 3,015 10.0% $1740
$250,000 to $299,999 2,140 7.0% $2122
$300,000 to $399,999 1,599 5.0% $2702

Renters Insurance in West Palm Beach

  • Average Renters Insurance in West Palm Beach :  $160($13/month)

  • Median Gross Rent in West Palm Beach :  $1,007

  • West Palm Beach Renters Insurance to Median Rent Ratio:  1.29%

  • Renter occupied housing units in West Palm Beach :  25,950

West Palm Beach Renters Insurance as a Percentage of Rent

West Palm Beach Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 496 2.0% $340
$200 to $299 527 2.0% $790
$300 to $499 806 3.0% $1240
$500 to $749 3,452 14.0% $1915
$750 to $999 6,854 27.0% $2665
$1,000 to $1,499 9,152 37.0% $3790
$1,500 or more 3,353 13.0% $5440

Rent Affordability in West Palm Beach:

Approximately 55.0% (14,421) of households are spending more than 35% of their income on gross rent in West Palm Beach

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,924 7.0%
15.0 to 19.9 percent 2,331 8.0%
20.0 to 24.9 percent 2,328 8.0%
25.0 to 29.9 percent 2,673 10.0%
30.0 to 34.9 percent 2,273 8.0%
35.0 percent or more 14,421 55.0%

West Palm Beach Renters Insurance Discounts:

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

Number of Vehicles in West Palm Beach, FL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 14,074 54.0% $16.0
2 vehicles available 5,906 22.0% $24.0
3 or more vehicles available 1,058 4.0% $32.0

Protective device discount in West Palm Beach Up to :  $24

Claims-free discount in West Palm Beach Up to :  $32