Riviera Beach ,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 Riviera Beach, 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 Riviera Beach, FL is $2039. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Riviera Beach, FL. VHome Insurance will help you navigate the world of homeowners insurance coverages in Riviera Beach, FL.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $816 |
| $200,000 | $1,387 |
| $300,000 | $1,713 |
| $400,000 | $2,610 |
| $500,000 | $3,283 |
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 Riviera Beach, FL, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,091 |
| $1000 Deductible | $1,870 |
| $1500 Deductible | $1,764 |
| $2500 Deductible | $1,590 |
| $5000 Deductible | $1,346 |
| Home Insurance Company Near Riviera Beach, FL | Homeowners Insurance Agency Near Riviera Beach, FL | Address |
|---|---|---|
| NA | We Insure | 4203 W Atlantic Blvd Unit 218 , Coconut Creek, FL, 33066 |
| State Farm | Barnie Walker Jr | 1246 Royal Palm Beach Blvd, Royal Palm Beach, FL, 33411-1602 |
| Travelers | Coverage Solutions Inc | 7410 S US HIGHWAY 1 STE 101, PORT ST LUCIE, FL, 34952 |
| Liberty Mutual Independent | Evergreen Insurance | 583 105Th Ave North Ste 2 , Royal Palm Beach, FL, 33411 |
| State Farm | Marion Fazio | 836 SE 5th Ave, Delray Beach, FL, 33483-5107 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| North Palm Beach village, Florida | $153 | $203 | $305 |
| Lake Park town, Florida | $146 | $194 | $291 |
| Juno Ridge CDP, Florida | $146 | $194 | $291 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Riviera Beach, FL | 5.8% | 15.3% |
| North Palm Beach | 5.08% | 14.36% |
| Lake Park | 6.8% | 20.66% |
| Juno Ridge | 7.06% | 21.06% |
| Riviera Beach Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 155 | 1.0% | $328 |
| $200 to $299 | 219 | 1.0% | $778 |
| $300 to $499 | 336 | 2.0% | $1228 |
| $500 to $749 | 1,239 | 8.0% | $1903 |
| $750 to $999 | 3,302 | 22.0% | $2653 |
| $1,000 to $1,499 | 6,662 | 46.0% | $3778 |
| $1,500 or more | 2,515 | 17.0% | $5428 |
| Streets in Riviera Beach Area | Homeowners Insurance Cost |
|---|---|
| Briar Ct, Marbella Dr, Dahlia Ave, Hunt Club Ln, Barbados Way E, Lake House Dr S, W Highland Pines Blvd, Canterbury Dr S, Lochmore Rd, Fairchild Gardens Ave | $1,263 |
| Maniki Dr, Iris Ave, Periwinkle Ct, Crocus Ct, W 13th St, Oakway Cir, Cypress St, Giralda Cir W, E Monet Cir, Poplar Ct | $1,197 |
| Ridge Rd, Ave T, Australian Cir, Ocean St, E 16th St, 92nd Ln N, Crescent Dr, Northpoint Pkwy, Sagewood Ct, Yacht Harbor Dr | $1,180 |
| Parke Ave, Lost Tree Way, Bermuda Rd, Peachtree Cir, Snug Harbor Dr, W Middle Rd, Ave F, Le Bateau Isle, Pin Oak Ct, Westchester Dr | $1,357 |
| W 23rd St, Colony Ave, Rj Hendley Ave, Foresteria Dr, Palm Bay Ter, Bimini Cir E, Riverwood Pl, Fathom Ct, Andros Dr, Wilsee Rd | $1,209 |
| Booker Dr, Sandy Point Ln, Coquina Way, W 26th St, S Suzanne Cir, Jack Nicklaus Dr, Ave T, E 27th St, S Bates Rd, W 17th St | $1,146 |
| Meadow Ln W, Ridge Rd, Grande Pkwy, Le Bateau Dr, Birmingham Dr, Northcorp Pkwy, Yacht Club Dr, Marine Way W, Shore Rd, Seminole Gardens Cir | $1,185 |
| Eadie Pl, Prosperity Bay Ct, Alamanda Way, Blakely Ct, Lake Arjaro Dr, Iris Ave, Osprey Way, Satinwood Ln, Native Dancer Rd S, Juno Rd | $1,351 |
| Premier Park Dr, Fairchild Gardens Ave, Brant Rd, Highpoint Dr, Kew Gardens Ave, W 3rd St, E Tall Oaks Cir, Emerald Ln, N Ocean Dr, Aspri Way | $1,281 |
| Greenway Dr, W 32nd St, W 24th Ct, Westchester Dr, Pine Lake Cir, Isle Dr, Islamorada Ct, W 19th St, W 8th St, Harbour Isle Ct | $1,315 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Riviera Beach | $179 to $182 |
| North Palm Beach | $183 |
| Lake Park | $174 |
| Palm Beach Shores | $195 |
| Home value ($) | Age of home (years) | Wind mitigation | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150,000 | 27 | NO | American Traditions Insurance | $5,836 |
| 150,000 | 27 | NO | St. Johns Insurance | $6,465 |
| 150,000 | 27 | YES | Liberty Mutual Fire Insurance | $2,031 |
| 300,000 | 12 | NA | First Community Insurance | $4,782 |
| 300,000 | 12 | NA | Tower Hill Select Insurance | $3,567 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $800 | $2,800 |
| Yearly Riviera Beach Homeowner Insurance Premium Example | $2,900 | $2,400 |
| Out of Pocket Expense During Claim | $800 | $2,800 |
| Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim | $15,300 | $14,800 |
| Net Savings to Riviera Beach Home Owner from High Deductible Plan | $500 | |
| Scenario | Riviera Beach, FL Home Replacement Value MORE than Home Value | Riviera Beach, FL Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $140,000 | $95,500 |
| Insurance Premium based on Replacement Value | $2,550 | $1,750 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $21,000 | Risk Exposure from Under Insuring Coverage is $23,500 |
| Premium Impact | Insurance cheaper by $425/year | Insurance costlier by $375/year |
| Insurance Company | Travelers | Liberty Mutual | GEICO Insurance |
| Monthly Premium | 375 | 530 | 428 |
| Year Built | 2012 | 1999 | 2004 |
| Home Details | 5 Beds, 3 Baths | 4 Beds, 3 Baths | 3 Beds, 2 Baths |
| Coverage Amount | $200000-$250000 | $300000-$350000 | $250000-$300000 |
| Deductible | $500 Deductible | $500- $1000 Deductible | $500 Deductible |