Palm City Insurance Rates:

Palm City, FL homeowners insurance is about $1,049 to $1,436, about $87-$119/month. Our in depth guide shows customers can save upto $496 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

Allstate
My home insurance company has an extremely easy website to use and offers paperless communication, which i prefer over regular mail.
Allstate
They did not apply our payment to our account when they should have, thus making our account appear to be in default. they did, however, fix the issue.
Assurant Specialty Property
Their website is updated and extremely easy to navigate. the font is the perfect size and type to be able to easily read. their navigation menu nicely pulls up on the side and is very clear.
Usaa
Sometimes I think that the premium is a little too high for the amount coverage they offer. Another thing is to reach a representative on the phone takes a little too long.
Tower Hill Insurance
Customer service only happened when we called for the price estimation but nothing was followed up on, no calls, no email or form of communication after we enrolled in home insurance. I wish there are more customer service like sending educational brochures on how we can take care of our home and such.
Usaa
The claim representative was very helpful, she seemed very supportive and ready to help we get as much money back as possible.
Geico
I feel my premium is too high. My home is considered a manufactured home which makes the rate higher. However, we have a home with a normal pitch roof, 3/8" wood wrap on the outside of the home, 2 x 6 walls, and complete drywall. The only thing that makes it manufactured is it has a metal frame under it. That does not make the home more dangerous.
Usaa
It is very easy to review my policy and make changes right from the app. I use the app more than the website. It is also nice to pay my bills directly to them.

Palm City, FL Homeowners Insurance By Home Value

Palm City, FL Home Value Total Homes % of Total Average Palm City, FL Homeowners Insurance
Less than $50,000 162 2.0% $99
$90,000 to $99,999 177 3.0% $409
$100,000 to $124,999 303 5.0% $471
$125,000 to $149,999 483 8.0% $583
$150,000 to $174,999 689 11.0% $695
$175,000 to $199,999 490 8.0% $807
$200,000 to $249,999 913 15.0% $968
$250,000 to $299,999 869 15.0% $1192
$300,000 to $399,999 1,506 26.0% $1515

Top Home Insurance Agents Near Palm City, FL

Home Insurance Company Near Palm City, FL Homeowners Insurance Agency Near Palm City, FL Address
NA Jones Insurance Advisors, Inc. 2801 Flight Safety Dr Vero Beach, Vero Beach, FL, 32960
State Farm Dan Cavin 3650 Fst Hl Blvd Ste 3, West Palm Bch, FL, 33406-5662
Allstate David Ginsberg 543 N State Road 7 Ste 106, Royal Palm Beach, FL, 33411
Travelers First Florida Insurance Llc 825 Parkway Plaza Ste 31, Jupiter, FL, 33477
Travelers Rick Carroll Insurance 2160 NE DIXIE HWY, JENSEN BEACH, FL, 34957

Cost Of Homeowners Insurance By Street Near Palm City, FL

Streets in Palm City Area Homeowners Insurance Cost
SW Thurber Pl, SW Albatross Way, SW Cassine Ct, SW Spring Aster Ct, SW Conch Cove Ln, SW 29th Ter, SW Monarch Club Dr, SW Bimini Cir N, SW Sailfish Dr, SW Bermuda Way$1,271
Leeward Ln, SW Oakhill Way, Richards Cir, SW Gull Harbor Ln, SW Grapevine Ln, SW Mariposa Cir, SW Edwards Ave, SW Woodland Trl, SW Pitch Way, SW Thornhill Ln$1,245
SW Inverness Ct, SW 35th St, SW Gardens Blvd, SW Goldshine Ct, SW Rio Vista Way, SW Knollwood Dr, SW Ellsworth Ave, SW Hidden Pond Way, SW St Andrews Dr, SW Boatswain Pl$1,284
SW Elk River Ct, SW Habitat Ln, SW Palm Cove Dr, SW Whitemarsh Way, SW Egret Pond Cir, SW York Ln, SW Sand Ave, SW Seagull Way, SW Sutton Pl, SW Leather Fern Way$1,250
SW Lauren Way, Waterfall Trce, SW Anhinga Ln, SW Sun Cir, SW Gray Fox Pl, SW Cherry Blossom Ln, SW Scrub Oak Ave, Captains Creek Way, SW Willowbend Ln, SW Hammock Creek Dr$1,307

Palm City, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Palm City$184 to $187
North River Shores$181
Rio$174
Stuart$180

Palm City, 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
North River Shores CDP, Florida $151 $201 $302
Rio CDP, Florida $146 $194 $291
Stuart CCD, Martin County, Florida $150 $200 $300

Palm City, 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
Palm City, FL4.5%17.1%
North River Shores3.35%19.81%
Rio7.56%17.62%
Stuart5.32%18.58%

Palm City Renters Insurance as a Percentage of Rent

Palm City Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 89 7.0% $1893
$750 to $999 178 15.0% $2643
$1,000 to $1,499 659 56.0% $3768
$1,500 or more 243 20.0% $5418

Average Cost Of Home Insurance By Company In Areas Nearby Palm City For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO American Integrity Insurance $4,872
150,000 27 NO Stillwater Property And Casualty Insurance $4,096
150,000 27 NO Tower Hill Prime Insurance $4,281
150,000 27 YES Federated National Insurance $1,475
150,000 27 YES Florida Farm Bureau Casualty Insurance $1,544
150,000 27 YES Liberty Mutual Fire Insurance $2,294
150,000 27 YES Safeway Property Insurance $2,260
150,000 27 YES Southern Oak Insurance $2,565
150,000 27 YES St. Johns Insurance $1,774
150,000 27 YES Tower Hill Select Insurance $2,014
300,000 12 NA Citizens Property Insurance $4,846
300,000 12 NA Federated National Insurance $2,940
300,000 12 NA First Community Insurance $4,255
300,000 12 NA Florida Family Insurance $4,675
300,000 12 NA Florida Farm Bureau Casualty Insurance $3,389
300,000 12 NA Liberty Mutual Fire Insurance $4,776
300,000 12 NA Safeway Property Insurance $3,747
300,000 12 NA Tower Hill Prime Insurance $3,079
300,000 12 NA Tower Hill Select Insurance $2,866
300,000 12 NA Universal Property & Casualty Insurance $3,382

Palm City, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$1,900
Yearly Palm City Homeowner Insurance Premium Example $7,500$6,500
Out of Pocket Expense During Claim$900$1,900
Total Home Insurance Premium for 2 years + Out of Pocket Expense for Claim $15,900$14,900
Net Savings to Palm City Home Owner from High Deductible Plan $1,000

Palm City, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Palm City, FL Home Replacement Value MORE than Home Value Palm City, FL Home Replacement Value LESS than Home Value
Replacement Value $206,500 $145,000
Insurance Premium based on Replacement Value $3,750 $2,650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $25,500 Risk Exposure from Under Insuring Coverage is $36,000
Premium Impact Insurance cheaper by $650/year Insurance costlier by $450/year

Example Palm City Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceTravelersLiberty Mutual
Monthly Premium 419766748
Year Built 201120051994
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $300000-$350000$500000-$600000$400000-$500000
Deductible $500- $1000 Deductible$1000-$2500 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Palm City, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1996 435,000 Composition Roof 3,090 4 $500- $1000 Deductible 750 1 Stucco siding yes
1983 265,000 Membrane Roof 1,920 4 $500 Deductible 4650 9 Fiber-Cement Siding yes
2012 185,000 Metal Roof 1,330 3 $1000-$2500 Deductible 590 2 Wood siding No
2010 595,000 Membrane Roof 3,750 5 $500 Deductible 11040 12 Brick siding No
2010 805,000 Shingles Roof 4,630 5 > $10,000 Deductible 4510 5 Brick siding yes
2009 360,000 Membrane Roof 2,290 3 $2500-$5000 Deductible 2260 4 Brick siding yes
1996 220,000 Membrane Roof 1,340 3 > $10,000 Deductible 1610 6 Stucco siding yes
1980 240,000 Shingles Roof 1,710 3 $2500-$5000 Deductible 3000 9 Fiber-Cement Siding No
1995 375,000 Asphalt Shingles Roof 2,570 4 $2500-$5000 Deductible 1480 4 Brick siding No
2014 280,000 Metal Roof 1,980 3 $5000 to $10,000 Deductible 3130 10 Vinyl siding yes
1982 185,000 Tile Roof 1,300 3 $500- $1000 Deductible 890 4 Stone Siding yes
1993 315,000 Shingles Roof 2,370 3 $1000-$2500 Deductible 3770 7 Stone Siding No
2010 315,000 Metal Roof 2,030 3 $500 Deductible 2670 7 Brick siding No
2014 470,000 Composition Roof 2,820 4 $500 Deductible 5940 8 Stucco siding yes
1993 370,000 Metal Roof 2,090 5 > $10,000 Deductible 350 1 Wood siding No
1986 625,000 Membrane Roof 3,810 5 $5000 to $10,000 Deductible 1910 3 Brick siding yes
1997 600,000 Shingles Roof 4,300 5 > $10,000 Deductible 630 1 Fiber-Cement Siding No
2010 250,000 Slate Shingles Roof 1,560 3 $1000-$2500 Deductible 310 1 Vinyl siding No
2013 335,000 Asphalt Shingles Roof 2,280 4 $500- $1000 Deductible 1410 4 Stucco siding No
1989 240,000 Shingles Roof 1,760 5 $5000 to $10,000 Deductible 1320 5 Stone Siding yes
2001 250,000 Asphalt Shingles Roof 1,800 4 $5000 to $10,000 Deductible 2500 10 Stucco siding No
2008 295,000 Metal Roof 2,320 5 > $10,000 Deductible 1810 7 Vinyl siding yes
2013 200,000 Shingles Roof 1,370 3 $500 Deductible 3000 12 Wood siding No
1997 805,000 Wood Shake Roof 4,560 5 $2500-$5000 Deductible 7220 8 Fiber-Cement Siding No
1991 335,000 Wood Shake Roof 1,920 4 $500 Deductible 6120 10 Vinyl siding No
2013 530,000 Slate Shingles Roof 4,200 5 $1000-$2500 Deductible 3280 5 Vinyl siding yes
2011 530,000 Slate Shingles Roof 2,950 5 $500- $1000 Deductible 2830 4 Wood siding yes
2011 495,000 Shingles Roof 3,940 5 $1000-$2500 Deductible 2330 3 Stone Siding No
1991 235,000 Slate Shingles Roof 1,430 3 $500- $1000 Deductible 790 3 Fiber-Cement Siding yes
2010 215,000 Asphalt Shingles Roof 1,330 3 $1000-$2500 Deductible 740 2 Stucco siding No