Deerfield Beach Insurance Rates:

Deerfield Beach, FL homeowners insurance is roughly $1,026 to $1,396, about $85-$116/month. Our comprehensive research shows customers can save as much as $484 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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How to Save on Homeowners Insurance Rates in Deerfield Beach, FL

The average cost of home insurance in Deerfield Beach, FL, is $2252. Homeowners insurance safeguards you and your home against covered perils, such as fire and wind damage. The price of a homeowners insurance policy depends on the value of your dwelling, the value of your personal belongings, deductible type, the materials used to construct the home, claims history, and more.

VHome, through its research, has examined these factors in detail.

Cost of insurance based on the coverage level in Deerfield Beach, FL

When choosing homeowners insurance coverage, homeowners can decide on their limits for each item. These include coverage for your residence and personal belongings, such as jewelry, electronic devices, and other valuables. You also can adjust the limits on liability and medical payments. For example, homeowners paying a coverage of $100K pay $801 on home insurance in Deerfield Beach, FL. Typically homeowners choose to pay coverage of $200K to $300K, which comes to $1575 and $3113, respectively, in Deerfield Beach, FL.


Cost of insurance based on the deductibles in Deerfield Beach, FL

Your home’s insurance deductible is the amount you agree to pay towards a claim in the event of an incident. Your deductible comes into play whenever you file a claim. The higher the deductible opted by the homeowner, the lower the premium on homeowners insurance in Deerfield Beach, FL. For example, homeowners who have opted for a low deductible of $500 pay $2225 on homeowners insurance in Deerfield Beach, FL. In contrast, homeowners who opted for a high deductible of $2500 pay $1617 on home insurance in Deerfield Beach, FL.

Cost of insurance based on the age of the home in Deerfield Beach, FL

As our homes age, they become more susceptible to damage and eventually may become dilapidated. The age of a building tells much about its condition and affects the coverage amount that an insurance company can provide. If an applicant lives in an existing building that is old and has already been renovated, it may be eligible for a specified amount of coverage with the policy designed for older homes. For example, homes older than 40 and 50 years pay $2311 and $2338, respectively, on home insurance in Deerfield Beach, FL. On the other hand, newly constructed homes are less prone to damage, and home insurance providers offer significant discounts to newly built homes. For instance, newly built homes in Deerfield Beach, FL, can get lower insurance of $1802.

Deerfield Beach, FL Homeowners Insurance By Home Value

Deerfield Beach, FL Home Value Total Homes % of Total Average Deerfield Beach, FL Homeowners Insurance
Less than $50,000 4,747 12.0% $121
$50,000 to $59,999 1,435 3.0% $266
$60,000 to $69,999 1,231 3.0% $326
$70,000 to $79,999 1,552 4.0% $387
$80,000 to $89,999 1,335 3.0% $435
$90,000 to $99,999 1,367 3.0% $484
$100,000 to $124,999 2,904 7.0% $568
$125,000 to $149,999 1,497 4.0% $701
$150,000 to $174,999 2,480 6.0% $834
$175,000 to $199,999 2,040 5.0% $968
$200,000 to $249,999 4,999 13.0% $1161
$250,000 to $299,999 4,613 12.0% $1427
$300,000 to $399,999 6,842 18.0% $1815

Top Home Insurance Agents Near Deerfield Beach, FL

Home Insurance Company Near Deerfield Beach, FL Homeowners Insurance Agency Near Deerfield Beach, FL Address
NA Pmh Insurance & Financial Services, Inc. 801 Northpoint Pkwy Ste 30 West Palm Beach, West Palm Beach, FL, 33407
NA We Insure Florida, Inc. 15200 Jog Rd Ste D1 , Delray Beach, FL, 33446
Liberty Mutual Independent Bogani & Christiano Llc 9100 BELVEDERE RD STE 207, ROYAL PALM BEACH, FL, 33411
Allstate Deborah Marcus 13802 N Kendall Dr, Miami, FL, 33186
Allstate Maritza Arce 15295 Nw 60Th Ave Ste 100, Miami Lakes, FL, 33014

Deerfield Beach, FL Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Deerfield Beach, FL

Streets in Deerfield Beach Area Homeowners Insurance Cost
Durham C, Westbury B, SE 13th Ct, 66th Ln, NW 60th Dr, Lakes Dr, NW 114th Dr, Pebblestone Ln, Harwood G, NW 43rd Way$1,108
NW 124th Way, NW 47th Way, SE 3rd Pl, Markham Ct, Deer Creek Edgewater Dr, Republic Dr, NW 105th Dr, NW 55th Dr, Harwood I, SE 13th Dr$1,151
NW 124th Ter, Ventnor K, Wyndham Lakes Blvd S, Holmberg Rd, Discovery Cir W, Orchid Ct, Hialeah Ln, The Winners Cir, SE 9th Ter, NW 53rd Ave$1,429
Cambridge F, NW 126th Dr, NW 123 Ter, Tilford X, SW Natura Blvd, N Shore Dr, Markham N, NW 64th St, NW 47th Dr, NW 57th Ave$1,108
NE 47th Pl, NW 47th Way, Yellowstone Ln, NW 96th Dr, NW 43rd Way, NW 40th Way, NW 78th Manor, Monarch Ln, Green Rd, 54th Pl$1,238
Parkside Dr, Upminster Dr, NW 77th Ct, Belmont Ln, Skylark Ln, Durham T, Woodlake Ln, NE 53rd St, Trotters Ln, Suffolk Ln$1,442
NW 67th Pl, NW 62nd Ct, Ginger Ct, Richmond D, 62nd Way, Farnham G, Cambridge G, NE River Dr, NW 47th Pl, Tilford Cres$1,106
Emerald Way N, Lake Tern Ln, NW 66th Pl, NE 36th Ct, Deer Creek Alba Way, NW 63rd Ct, Cresent Creek St, N Deerfield Ave, Lox Rd, NW 61st Driveee$1,139
Regency Lakes Dr, NW 70th Manor, Valencia Dr, SW 48th Ter, Ave of the Lakes, Jasmine Ln, NW 58th Way, NW 60th Ln, Newport A, SW 24th Ter$1,138
Lox Rd, NW 102nd Dr, Lob Lolly Ln, Swans Ter, Stratford Dr, S Woodridge Dr, Coral Point Way, Richmond Cres, NW 48th Dr, SW 10th Dr$1,435

Deerfield Beach, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Deerfield Beach$181 to $184
Coconut Creek$174
Hillsboro Pines$183
Lighthouse Point$192

Deerfield Beach, FL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Coconut Creek city, Florida $146 $194 $291
Hillsboro Pines CDP, Florida $153 $203 $305
Lighthouse Point city, Florida $161 $214 $321

Deerfield Beach, FL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Deerfield Beach, FL4.8%18.3%
Coconut Creek5.47%15.62%
Lighthouse Point4.03%14.38%

Deerfield Beach Renters Insurance as a Percentage of Rent

Deerfield Beach Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 330 1.0% $776
$300 to $499 450 2.0% $1226
$500 to $749 689 3.0% $1901
$750 to $999 2,711 15.0% $2651
$1,000 to $1,499 8,358 46.0% $3776
$1,500 or more 5,457 30.0% $5426

Average Cost Of Home Insurance By Company In Areas Nearby Deerfield Beach For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Florida Family Insurance $3,789
150,000 27 NO Tower Hill Preferred Insurance $5,490
150,000 27 NO Universal Insurance $6,883
150,000 27 NO Universal Property & Casualty Insurance $6,410
150,000 27 YES Liberty Mutual Fire Insurance $2,171
150,000 27 YES Security First Insurance $2,174
300,000 12 NA Citizens Property Insurance $3,176
300,000 12 NA Liberty Mutual Fire Insurance $5,115
300,000 12 NA St. Johns Insurance $4,437

Deerfield Beach, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Deerfield Beach Homeowner Insurance Premium Example $3,100$2,500
Out of Pocket Expense During Claim$900$3,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $25,700$23,900
Net Savings to Deerfield Beach Home Owner from High Deductible Plan $1,800

Deerfield Beach, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Deerfield Beach, FL Home Replacement Value MORE than Home Value Deerfield Beach, FL Home Replacement Value LESS than Home Value
Replacement Value $750,500 $490,500
Insurance Premium based on Replacement Value $15,450 $10,100
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $100,500 Risk Exposure from Under Insuring Coverage is $159,500
Premium Impact Insurance cheaper by $3,275/year Insurance costlier by $2,075/year

Example Deerfield Beach Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateLiberty MutualChubb Group of Insurance
Monthly Premium 190423755
Year Built 197320091982
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $150000-$175000$250000-$300000$400000-$500000
Deductible $2500-$5000 Deductible$500 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Deerfield Beach, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2005 580,000 Wood Shake Roof 4,450 5 $500- $1000 Deductible 9570 10 Brick siding No
1994 160,000 Membrane Roof 1,400 3 $5000 to $10,000 Deductible 450 2 Brick siding No
1978 105,000 Asphalt Shingles Roof 970 2 $500 Deductible 360 2 Fiber-Cement Siding No
2006 565,000 Shingles Roof 3,900 5 $500- $1000 Deductible 4430 6 Stone Siding No
2014 340,000 Asphalt Shingles Roof 2,850 4 $5000 to $10,000 Deductible 2000 6 Stucco siding No
1971 200,000 Slate Shingles Roof 1,650 2 $500 Deductible 3420 12 Stucco siding No
2001 605,000 Tile Roof 4,440 5 $500- $1000 Deductible 2350 2 Fiber-Cement Siding yes
1979 270,000 Metal Roof 1,870 3 $500 Deductible 2270 5 Fiber-Cement Siding No
1982 385,000 Membrane Roof 2,590 4 $1000-$2500 Deductible 3950 10 Brick siding yes
2000 370,000 Shingles Roof 3,620 5 $5000 to $10,000 Deductible 2800 8 Brick siding No
1973 120,000 Shingles Roof 980 2 $2500-$5000 Deductible 230 2 Wood siding No
2011 135,000 Slate Shingles Roof 1,270 2 $500- $1000 Deductible 1030 5 Stucco siding yes
2010 230,000 Membrane Roof 1,800 2 $2500-$5000 Deductible 710 2 Brick siding yes
1982 205,000 Tile Roof 1,460 3 $500 Deductible 3950 10 Wood siding No
1991 450,000 Tile Roof 3,180 5 > $10,000 Deductible 3590 12 Fiber-Cement Siding yes
1996 315,000 Shingles Roof 2,540 5 $5000 to $10,000 Deductible 2050 7 Wood siding No
1971 590,000 Wood Shake Roof 3,920 5 $5000 to $10,000 Deductible 1260 2 Wood siding yes
1998 160,000 Slate Shingles Roof 1,220 2 $2500-$5000 Deductible 1780 12 Stone Siding No
1980 230,000 Metal Roof 1,910 3 $1000-$2500 Deductible 1170 3 Fiber-Cement Siding No
2012 275,000 Shingles Roof 2,380 3 $5000 to $10,000 Deductible 2250 7 Stone Siding No
1984 260,000 Shingles Roof 1,910 3 > $10,000 Deductible 1270 5 Wood siding No
1986 480,000 Shingles Roof 3,570 5 > $10,000 Deductible 3980 8 Vinyl siding No
2001 225,000 Metal Roof 1,700 5 $2500-$5000 Deductible 1360 7 Fiber-Cement Siding No
1972 190,000 Composition Roof 1,260 3 $1000-$2500 Deductible 2010 9 Vinyl siding No
1982 335,000 Asphalt Shingles Roof 3,260 4 $2500-$5000 Deductible 1900 5 Brick siding No
1975 250,000 Wood Shake Roof 1,770 3 > $10,000 Deductible 1890 10 Vinyl siding No
2004 155,000 Membrane Roof 1,460 2 $5000 to $10,000 Deductible 420 3 Brick siding yes
1977 200,000 Membrane Roof 1,740 2 $2500-$5000 Deductible 1180 7 Fiber-Cement Siding No
2009 375,000 Metal Roof 2,740 4 > $10,000 Deductible 4030 8 Fiber-Cement Siding yes
1985 145,000 Wood Shake Roof 1,026 2 $500 Deductible 2030 10 Brick siding No

Latest Home Insurance Reviews

I would recommend them because after years of having the, each year we notice our bill becomes lower. They value their customers.
State Farm
I really have enjoyed my experience with State Farm; they are quick with claims, and my agent, Jennifer, has guided me to the best possible rates.
Farmer's Insurance
I believe our debuctiables were alittle high when we had to do our claim but I dont think there any different than the other companys around if you want to be able to afford your insurance.
I recommend my home insurance to the masses because i believe in them to keep my home safe. they are the best
Farmer's Insurance
Honestly from what I can tell in the area that I live in, there aren't many differences as far as things offered
the policy is average. I cannot give an answer to this unless I have reviewed other policies, which I have not.
Due to the fact that I have been a USAA member for almost twenty years I am able to receive substantial discounts on my insurance, making it next to impossible for other companies to match or beat USAA.
The Hartford
Hartford is good with supporting their customers and they are known to insure homes and are good at it. I will rate the 4/5
State Farm
I think the policy offerings at my particular company are actually similar to other companies. They offer the same range of products and services.
I chose the deductible that I wanted. There were a few different options that was available. I chose the best fit for myself.
compared to other insurance company i think my insurance company was good and they also having minimum dedection charges
State Farm
They are kind folks, some of which i know personally from my high school who offered and provided me a lower rate than my insurance company of many years.
State Farm
Would like to see lower insurance premiums. it is a monthly bill we except and budget, but would be nice to see more discounts.
State Farm
One thing i really enjoy about state farm is the fact that the agents are all local people in the community.
We have been with USAA for decades and will continue to be loyal customers. It is an excellent company and we have had nothing but good experiences working with them for our homeowner's insurance.
State Farm
Only few times I have used the website and it has been problem-free. I was able to find the information. That I was looking for without any issues and would be able to find info as needed in the future.
Security First Home Insurance
Their people are located in California. When I try to get call back the person in charge of my area has trouble even in getting the right name.
Assurant Specialty Property
TO be honest, I don't know enough about how much is a good price. Not sure what is high or low.
Tower Hill Insurance
They do not have an app, which would be nice for easy access. The website is ok, took some time to navigate the first couple times I logged in.
Centauri Insurance
I access my company through an exchange. It's difficult to find information like what is covered or how much my deductible is. I don't like the navigation of the page.
They let me take care of everything on their site. It's not just insurance; we can do our banking and everything. I can make changes, start/stop coverage, move money around, chat with the help desk, all from my phone, if need be, while on the road. They are a one-stop shop for all our needs.
American Integrity Insurance
I appreciate being able to pay premiums in installments which is an improvement from the previous company I was with.
It is very easy and convenient to communicate with the company either by phone, online or via the mobile app.
I hate that they are not local. Their phone service is great but sometimes doing things face to face has value. That is the only shortcoming that I have experienced. I think they do a good job compensating for the phone thing.
State Farm
Well if all the separate points are okay then it is obvious that the total is okay too. So I'm not looking at other companies, I'll stay for the next 20 or more years.
Tower Hill Insurance
I haven't had much interaction at all with the company other than receiving monthly emails for a bill.
State Farm
I recommend State Farm for home insurance coverage for several reasons. The customer service is available 24/7 and the agents try to resolve a situation in a professional manner. My insurance policy covers everything except flooding, and that I get through the government floor policy. Compared to their competitors, State Farm offers excellent coverage and is less expensive.
I would absolutely recommend my current home insurance company, USAA, to anyone else because they have a great track record of customer service and are relatively cheap compared to other providers.
I recommend them for home insurance because they have been able to satisfy my needs with little effort on my part. They are proactive and always ready to assist me when I call.
Assurant Specialty Property
I've had pleasant experiences when dealing with customer service for Assurant. I haven't had to contact them for any claims but feel like they would be able to service me efficiently when needed.
Frontline Insurance
I don't have any complaints, I wish our hurricane deductible was smaller, but I think that it is the industry standard so I'm not sure what else can be done about that.
I would definitely recommend them, for their great rates, and how they treat their customers. Always polite and friendly in person or on the phone.
Something I dislike about the company is whenever I speak with an actual person I don't get many answers and if I do get them they're often contradictory to other information I've received. Maybe better training would fix this.
If the cost of premium keeps rising, I will have to consider a change in insurance coverage and what is covered. These insurance coverages might be extended in my limited understanding, but I wish it was easier on my budget.

How To Make Your Deerfield Beach, FL Home Insurance Cheaper

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