Fort Pierce ,FL Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Fort Pierce, FL homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Fort Pierce, FL is $1918. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Fort Pierce, FL. VHome Insurance will help you navigate the world of homeowners insurance coverages in Fort Pierce, FL.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $767 |
| $200,000 | $1,304 |
| $300,000 | $1,611 |
| $400,000 | $2,455 |
| $500,000 | $3,088 |
Home insurance costs in Fort Pierce can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 034951 | $1,812 |
| 34947 | $1,805 |
| 34946 | $1,772 |
| 34950 | $1,779 |
| 34949 | $1,934 |
| 34981 | $1,893 |
| 34945 | $1,858 |
| 34982 | $1,817 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Fort Pierce, FL, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,967 |
| $1000 Deductible | $1,759 |
| $1500 Deductible | $1,659 |
| $2500 Deductible | $1,496 |
| $5000 Deductible | $1,266 |
| Home Insurance Company Near Fort Pierce, FL | Homeowners Insurance Agency Near Fort Pierce, FL | Address |
|---|---|---|
| NA | Abacoa Insurance Group, Inc. | 4362 Northlake Blvd Ste 212 , Palm Beach Gardens, FL, 33410 |
| NA | Gatzke Insurance Agency | 3790Th Ter Ste 201 Vero Beach, Vero Beach, FL, 32960 |
| Liberty Mutual Independent | James E Holmes Inc | 1215 E NEW HAVEN AVE, MELBOURNE, FL, 32901 |
| Liberty Mutual Independent | James E Holmes Inc | 1215 E. New Haven Avenue, Melbourne, FL, 32901 |
| Travelers | Robinson Insurance Inc | 202 FOURTH AVE, INDIALANTIC, FL, 32903 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Fort Pierce North CDP, Florida | $168 | $224 | $336 |
| Fort Pierce South CDP, Florida | $168 | $224 | $336 |
| St. Lucie Village town, Florida | $187 | $249 | $374 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Fort Pierce, FL | 7.1% | 22.4% |
| Fort Pierce North | 8.55% | 27.78% |
| Fort Pierce South | 7.84% | 31.48% |
| St. Lucie Village | 6.47% | 12.21% |
| Fort Pierce Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 188 | 1.0% | $347 |
| $200 to $299 | 218 | 1.0% | $797 |
| $300 to $499 | 903 | 6.0% | $1247 |
| $500 to $749 | 2,961 | 22.0% | $1922 |
| $750 to $999 | 4,447 | 33.0% | $2672 |
| $1,000 to $1,499 | 3,780 | 28.0% | $3797 |
| $1,500 or more | 648 | 4.0% | $5447 |
| Streets in Fort Pierce Area | Homeowners Insurance Cost |
|---|---|
| Dickinson Ter, N 44th St, Alhambra S, S 17th St, Vernon St, NW Rainbow St, NW Fairfax Ave, S 32nd St, S 27th St, Millwood Dr | $1,114 |
| Lakes End Dr, Old Dixie Hwy, NW Brookhaven Cir, la Salle St, Kelly Ct, NW Scepter Dr, Captains Walk, NW Forlano St, Sarasota Ave, Blossom Ct | $1,159 |
| Short St, Wild Orchid Ln, Grand Club Pl, NE Granduer Ave, NW Manville Dr, NE Midvale St, NW Selvitz Rd, Sherwood Ln, Lee Blvd, NW Placid Ave | $1,178 |
| NW Abadan St, Nekoma St, Nogales Way, Jenkins Park Ave, Pirate Cove Ln, Bromeliad Cir, E Sanderling Ln, U Vista Ct, Paso Robles Blvd, Kentucky Ave | $1,175 |
| SE Montilla Way, N Park Dr, Sun Pointe Dr, W White City Rd, Buckeye Dr, SE Brashford St, NE Purple Martin Pl, Abbott St, Timberview Dr, NE St James Dr | $1,175 |
| Elm Ave, Old Edwards Rd, SE Walton Lakes Dr, W Angle Rd, Olive St, Soltman Ave, Pruitt Research Center Rd, S 41st St, Lake Shore Blvd, Devine Rd | $1,132 |
| NW Elaine St, NE Ardsley Dr, Pines Knoll Dr, NW Viscaya St, River Dr, Yacht View Ln, Manor Dr, Place Lake Dr, Warbler Ln, Cashew Ln | $1,119 |
| SE Brandon Cir, Juanita Ave, Baysinger Ave, Rosita, Worlington Ter, Red Tailed Hawk Dr, Noa St, NE Turtleback Trl, Poinsettia Ave, Silverstream Cir | $1,131 |
| McClintock Way, Happiness St, S 24th St, Osceola Ave, Sweetwater Dr, Driftwood Ln, Sharon Ter, Bermuda Beach Dr, Savannah St, Peters Rd | $1,134 |
| Bobcat Run, N 16th St, S 28th St, Edwards Rd, NW Ever Rd, NE Armory Cir, Paleo Pines Cir, Ale Ct, Sabal Way, Anglefish Dr | $1,179 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Fort Pierce | $169 to $172 |
| Fort Pierce North | $168 |
| St. Lucie Village | $186 |
| White City | $179 |
| Home value ($) | Age of home (years) | Wind mitigation | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150,000 | 27 | NO | Florida Farm Bureau Casualty Insurance | $5,201 |
| 150,000 | 27 | NO | Southern Oak Insurance | $4,056 |
| 150,000 | 27 | NO | St. Johns Insurance | $4,180 |
| 150,000 | 27 | NO | Tower Hill Prime Insurance | $4,005 |
| 150,000 | 27 | NO | Tower Hill Select Insurance | $4,571 |
| 150,000 | 27 | NO | United Property & Casualty Insurance | $6,514 |
| 150,000 | 27 | YES | Asi Preferred Insurance | $1,881 |
| 150,000 | 27 | YES | First Community Insurance | $1,826 |
| 150,000 | 27 | YES | Liberty Mutual Fire Insurance | $2,196 |
| 150,000 | 27 | YES | Security First Insurance | $1,534 |
| 150,000 | 27 | YES | Southern Fidelity Insurance | $2,018 |
| 150,000 | 27 | YES | St. Johns Insurance | $1,705 |
| 150,000 | 27 | YES | State Farm Florida Insurance | $2,079 |
| 150,000 | 27 | YES | Universal Property & Casualty Insurance | $1,754 |
| 300,000 | 12 | NA | American Integrity Insurance | $3,395 |
| 300,000 | 12 | NA | Asi Preferred Insurance | $2,418 |
| 300,000 | 12 | NA | Federated National Insurance | $2,821 |
| 300,000 | 12 | NA | First Community Insurance | $3,242 |
| 300,000 | 12 | NA | Liberty Mutual Fire Insurance | $4,571 |
| 300,000 | 12 | NA | United Property & Casualty Insurance | $4,291 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,000 | $7,000 |
| Yearly Fort Pierce Homeowner Insurance Premium Example | $4,100 | $3,100 |
| Out of Pocket Expense During Claim | $1,000 | $7,000 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $29,700 | $28,700 |
| Net Savings to Fort Pierce Home Owner from High Deductible Plan | $1,000 | |
| Scenario | Fort Pierce, FL Home Replacement Value MORE than Home Value | Fort Pierce, FL Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $109,000 | $74,000 |
| Insurance Premium based on Replacement Value | $2,300 | $1,575 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $13,000 | Risk Exposure from Under Insuring Coverage is $22,000 |
| Premium Impact | Insurance cheaper by $450/year | Insurance costlier by $275/year |
| Insurance Company | Allstate | Travelers | Chubb Group of Insurance |
| Monthly Premium | 194 | 156 | 245 |
| Year Built | 1988 | 1971 | 2010 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 3 Baths | 3 Beds, 1 Baths |
| Coverage Amount | $125000-$150000 | $100000-$125000 | $125000-$150000 |
| Deductible | $1000-$2500 Deductible | $500- $1000 Deductible | $500 Deductible |