Palm Beach Gardens, FL Home Insurance - Analysis On Quotes, Rates & Agents
Palm Beach Gardens Insurance Rates:
Palm Beach Gardens, FL homeowners insurance is approximately $1,056 to $1,444, about $88-$120/month. Our comprehensive research indicates shoppers can save as much as $500 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
Liberty MutualI like my home insurance company called liberty mutual. they offer a lot of protection on my home for equal or lower cost than other name brand insurance companies.
UsaaWhich all insurance companies so i guess so i try to take it in stride. but i shouldn't have to. no one should have to. insurance can be quite the scam and they know we know that.
Citizens Property InsuranceI like that citizens insurance will actually insure my house. our house is older, so most companies won't insure anything older than 25 years.
Assurant Specialty PropertyThey do not harass me. I will get a few emails and rarely a piece of mail. I really enjoy that.
Assurant Specialty PropertyI like that it's pretty user-friendly as far as the website goes, but I don't really care about the mobile app because I honestly don't use it.
ProgressiveI find the site rather user-friendly; however, some of the details concerning coverage are difficult to get to and usually involve having to call a specialist in order to clarify any specific questions.
Citizens Property InsuranceI found the company's mobile website to be difficult to use and not very user-friendly. I would like to be able to file a claim online through my phone.
UsaaMy insurance agent regularly checks on a variety of available home insurance policies. While I wish our premiums were lower, I think they are competitive.
Palm Beach Gardens, FL Homeowners Insurance By Home Value
| Palm Beach Gardens, FL Home Value | Total Homes | % of Total | Average Palm Beach Gardens, FL Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 358 | 3.0% | $100 |
| $60,000 to $69,999 | 133 | 1.0% | $262 |
| $70,000 to $79,999 | 202 | 1.0% | $312 |
| $80,000 to $89,999 | 141 | 1.0% | $350 |
| $90,000 to $99,999 | 168 | 1.0% | $387 |
| $100,000 to $124,999 | 929 | 8.0% | $450 |
| $125,000 to $149,999 | 840 | 8.0% | $562 |
| $150,000 to $174,999 | 962 | 9.0% | $675 |
| $175,000 to $199,999 | 1,000 | 9.0% | $775 |
| $200,000 to $249,999 | 1,632 | 15.0% | $937 |
| $250,000 to $299,999 | 1,680 | 16.0% | $1137 |
| $300,000 to $399,999 | 2,381 | 22.0% | $1450 |
Top Home Insurance Agents Near Palm Beach Gardens, FL
| Home Insurance Company Near Palm Beach Gardens, FL | Homeowners Insurance Agency Near Palm Beach Gardens, FL | Address |
|---|---|---|
| Allstate | G. Robert (Bob) Sherry | 8864 S US Highway 1, Port Saint Lucie, FL, 34952 |
| Travelers | Gulfstream Insurance Inc | 4455 MILITARY TRL STE 100, JUPITER, FL, 33458 |
| Allstate | Jeff Cato | 10434 W Atlantic Blvd, Coral Springs, FL, 33071 |
| State Farm | Mike Mahovich | 2236 N Univ Dr, Coral Springs, FL, 33071-6184 |
| Liberty Mutual Independent | R V Johnson Agency | 2041 Se Ocean Blvd., Stuart, FL, 34996 |
Cost Of Homeowners Insurance By Street Near Palm Beach Gardens, FL
| Streets in Palm Beach Gardens Area | Homeowners Insurance Cost |
|---|---|
| Gardens East Dr, N Kay St, Nighthawk Way, Crestdale St, Lake House Dr S, Fonseca Way, Calla Lilly Ct, Selby Ln, Hudson Bay Dr, Pga Pass | $1,283 |
| Acapulco Ave, Milano Dr, Alcazar Pl, Pepperwood Cir, Sarento Pl, Marlin Rd, Ficus St, Via Jardin, Myrtle Oak Ct, Jardin Ct | $1,185 |
| William St, October St, Buttercup Cir S, Brenda Ln, Grande Corniche, Lexington Ln W, Edward Rd, Via Verona, Dogwood Cir, Springdale Ct | $1,358 |
| Nature Ct, 74th St N, Curry Dr, 73rd Rd N, Seaward Dr W, Indian Shore Dr, Woodruff Ln, Lake Shore Pl, Caladium Ln, Reed Dr | $1,177 |
| Eastwind Dr, Edenwood Ln, Quail Ridge N, Maison Ct, Calais Dr, Camero Way, Raintree Ln, Sun Ct, Orange Blossom Ct, Briarlake Dr | $1,359 |
| Eagleton Ln, Magdalena Rd, Willow Ln, Esperanza Way, Vine Cliff Way E, Fairchild Gardens Ave, E Tall Oaks Cir, 70th Ct N, Jack Nicklaus Dr, Square Lake Dr | $1,205 |
| Laurel Ct, Myrtlewood Dr, Somerset Dr, Rodgers St, 14th St, San Marco Cir, Laguna Dr, Omega Pl, Orange Hibiscus, Victoria Bay Ct | $1,142 |
| Travelers Way, W 30th St, Pelican Way, Country Club Ct, 70th Rd N, Jonquil Cir N, Danube Way, Crisa Dr, Seaward Dr E, Biarritz Dr | $1,333 |
| Via Mariposa, 18th Ln, Veronia Dr, Ironwood Rd, Satalite Ter, Isle Ct, Palm Harbor Dr, Oakway Cir, Augusta Pointe Dr, Cinnamon Rd | $1,182 |
| Munson Ct, Sunset Bay Dr, St James Dr, Uranus Ter, Eagleton Lake Blvd, Alegria Way, Magnolia Bay Dr, Ryder Cup Cir S, Cuillan Cir, Easterly Ave | $1,268 |
Palm Beach Gardens, FL Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Palm Beach Gardens | $186 to $188 |
| Cabana Colony | $174 |
| Royal Palm Beach-West Jupiter | $183 |
| Jupiter Farms | $188 |
Palm Beach Gardens, 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 |
|---|---|---|---|
| Cabana Colony CDP, Florida | $146 | $194 | $291 |
| Royal Palm Beach-West Jupiter CCD, Palm Beach County, Florida | $153 | $203 | $305 |
| Jupiter Farms CDP, Florida | $157 | $209 | $314 |
Palm Beach Gardens, 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 |
|---|---|---|
| Palm Beach Gardens, FL | 5.0% | 13.1% |
| Cabana Colony | 5.79% | 18.1% |
| Royal Palm Beach-West Jupiter | 4.89% | 14.89% |
| Jupiter Farms | 4.48% | 14.65% |
Palm Beach Gardens Renters Insurance as a Percentage of Rent
| Palm Beach Gardens Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $500 to $749 | 72 | 1.0% | $1891 |
| $750 to $999 | 514 | 9.0% | $2641 |
| $1,000 to $1,499 | 3,318 | 60.0% | $3766 |
| $1,500 or more | 1,519 | 27.0% | $5416 |
Average Cost Of Home Insurance By Company In Areas Nearby Palm Beach Gardens For Different Scenarios
| Home value ($) | Age of home (years) | Wind mitigation | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150,000 | 27 | NO | American Traditions Insurance | $5,836 |
| 150,000 | 27 | NO | Citizens Property Insurance | $4,976 |
| 150,000 | 27 | YES | Tower Hill Preferred Insurance | $2,301 |
| 300,000 | 12 | NA | American Integrity Insurance | $4,530 |
| 300,000 | 12 | NA | Citizens Property Insurance | $3,535 |
Palm Beach Gardens, FL Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $600 | $6,600 |
| Yearly Palm Beach Gardens Homeowner Insurance Premium Example | $2,500 | $1,500 |
| Out of Pocket Expense During Claim | $600 | $6,600 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $18,100 | $17,100 |
| Net Savings to Palm Beach Gardens Home Owner from High Deductible Plan | $1,000 | |
Palm Beach Gardens, FL Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Palm Beach Gardens, FL Home Replacement Value MORE than Home Value | Palm Beach Gardens, FL Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $443,500 | $320,000 |
| Insurance Premium based on Replacement Value | $8,700 | $6,275 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $43,500 | Risk Exposure from Under Insuring Coverage is $80,000 |
| Premium Impact | Insurance cheaper by $1,575/year | Insurance costlier by $850/year |
Example Palm Beach Gardens Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Travelers | GEICO Insurance | Allstate |
| Monthly Premium | 237 | 403 | 470 |
| Year Built | 2010 | 2002 | 1984 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 1 Baths | 5 Beds, 1 Baths |
| Coverage Amount | $175000-$200000 | $300000-$350000 | $300000-$350000 |
| Deductible | $1000-$2500 Deductible | $2500-$5000 Deductible | $1000-$2500 Deductible |
Sample Home Insurance Rates for Palm Beach Gardens, FL from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1982 | 635,000 | Slate Shingles Roof | 3,970 | 5 | $500- $1000 Deductible | 3400 | 4 | Stone Siding | No |
| 2003 | 295,000 | Asphalt Shingles Roof | 2,300 | 4 | $1000-$2500 Deductible | 1450 | 4 | Vinyl siding | yes |
| 2000 | 760,000 | Tile Roof | 4,150 | 5 | $500 Deductible | 10120 | 10 | Wood siding | No |
| 1999 | 260,000 | Membrane Roof | 1,480 | 3 | > $10,000 Deductible | 730 | 3 | Stone Siding | yes |
| 2012 | 360,000 | Asphalt Shingles Roof | 2,830 | 4 | $500- $1000 Deductible | 4780 | 6 | Stone Siding | No |
| 1984 | 195,000 | Composition Roof | 1,350 | 3 | $2500-$5000 Deductible | 2740 | 9 | Wood siding | No |
| 1986 | 395,000 | Asphalt Shingles Roof | 2,180 | 3 | $2500-$5000 Deductible | 4750 | 12 | Vinyl siding | No |
| 1999 | 350,000 | Shingles Roof | 2,240 | 4 | $2500-$5000 Deductible | 3840 | 7 | Wood siding | yes |
| 2005 | 495,000 | Asphalt Shingles Roof | 2,930 | 4 | $500- $1000 Deductible | 1840 | 3 | Brick siding | No |
| 1990 | 280,000 | Asphalt Shingles Roof | 2,170 | 3 | $500- $1000 Deductible | 2600 | 5 | Stucco siding | No |
| 2013 | 335,000 | Asphalt Shingles Roof | 1,890 | 3 | $500- $1000 Deductible | 480 | 1 | Stucco siding | yes |
| 2009 | 420,000 | Shingles Roof | 2,600 | 4 | $1000-$2500 Deductible | 5260 | 9 | Fiber-Cement Siding | No |
| 1983 | 505,000 | Tile Roof | 3,790 | 5 | $1000-$2500 Deductible | 4430 | 8 | Wood siding | yes |
| 1999 | 540,000 | Slate Shingles Roof | 4,050 | 5 | $500- $1000 Deductible | 6060 | 8 | Stucco siding | No |
| 1989 | 255,000 | Tile Roof | 1,870 | 4 | $5000 to $10,000 Deductible | 2260 | 8 | Vinyl siding | yes |
| 1985 | 590,000 | Composition Roof | 4,650 | 5 | > $10,000 Deductible | 5200 | 10 | Stucco siding | No |
| 2010 | 370,000 | Slate Shingles Roof | 2,390 | 5 | $500 Deductible | 620 | 1 | Wood siding | yes |
| 2012 | 465,000 | Wood Shake Roof | 2,930 | 5 | $500 Deductible | 1330 | 2 | Vinyl siding | No |
| 1988 | 210,000 | Tile Roof | 1,610 | 3 | $1000-$2500 Deductible | 1670 | 6 | Fiber-Cement Siding | No |
| 2012 | 345,000 | Composition Roof | 1,890 | 3 | $1000-$2500 Deductible | 1980 | 4 | Wood siding | No |
| 2012 | 810,000 | Asphalt Shingles Roof | 4,510 | 5 | $5000 to $10,000 Deductible | 5050 | 6 | Vinyl siding | No |
| 2007 | 320,000 | Shingles Roof | 2,370 | 4 | $1000-$2500 Deductible | 2440 | 7 | Stone Siding | yes |
| 1994 | 425,000 | Metal Roof | 2,960 | 5 | $2500-$5000 Deductible | 4010 | 6 | Stone Siding | yes |
| 1982 | 165,000 | Slate Shingles Roof | 1,220 | 3 | $1000-$2500 Deductible | 1390 | 6 | Vinyl siding | No |
| 2001 | 520,000 | Tile Roof | 3,120 | 5 | $5000 to $10,000 Deductible | 1770 | 3 | Stone Siding | yes |