Deerfield Beach, FL Home Insurance - Analysis On Quotes, Rates & Agents
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.
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
| Place | Savings 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
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Deerfield Beach, FL | 4.8% | 18.3% |
| Coconut Creek | 5.47% | 15.62% |
| Lighthouse Point | 4.03% | 14.38% |
| Watergate | 7.05% | 33.69% |
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 Deductible | High Deductible | |
|---|---|---|
| Deductible | $900 | $3,900 |
| 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 | Allstate | Liberty Mutual | Chubb Group of Insurance |
| Monthly Premium | 190 | 423 | 755 |
| Year Built | 1973 | 2009 | 1982 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 3 Baths | 5 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
NationwideI would recommend them because after years of having the, each year we notice our bill becomes lower. They value their customers.
State FarmI 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 InsuranceI 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.
UsaaI recommend my home insurance to the masses because i believe in them to keep my home safe. they are the best
Farmer's InsuranceHonestly from what I can tell in the area that I live in, there aren't many differences as far as things offered
Allstatethe policy is average. I cannot give an answer to this unless I have reviewed other policies, which I have not.
UsaaDue 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 HartfordHartford 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 FarmI think the policy offerings at my particular company are actually similar to other companies. They offer the same range of products and services.
ProgressiveI chose the deductible that I wanted. There were a few different options that was available. I chose the best fit for myself.
Allstatecompared to other insurance company i think my insurance company was good and they also having minimum dedection charges
State FarmThey 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 FarmWould like to see lower insurance premiums. it is a monthly bill we except and budget, but would be nice to see more discounts.
State FarmOne thing i really enjoy about state farm is the fact that the agents are all local people in the community.
UsaaWe 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 FarmOnly 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 InsuranceTheir 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 PropertyTO be honest, I don't know enough about how much is a good price. Not sure what is high or low.
Tower Hill InsuranceThey 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 InsuranceI 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.
UsaaThey 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 InsuranceI appreciate being able to pay premiums in installments which is an improvement from the previous company I was with.
UsaaIt is very easy and convenient to communicate with the company either by phone, online or via the mobile app.
UsaaI 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 FarmWell 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 InsuranceI haven't had much interaction at all with the company other than receiving monthly emails for a bill.
State FarmI 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.
UsaaI 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.
UsaaI 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 PropertyI'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 InsuranceI 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.
ProgressiveI would definitely recommend them, for their great rates, and how they treat their customers. Always polite and friendly in person or on the phone.
ProgressiveSomething 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.
TravelersIf 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.