Stuart, FL Home Insurance - Analysis On Quotes, Rates & Agents

Stuart, FL Insurance Rates:

Homeowners need to compare different quotes to find the best home insurer suitable for their needs. The following analysis by vHome Insurance in Stuart, FL helps consumers in making better choices. Enter your Zip Code in the banner below to get home insurance quotes. vHome Insurance undertook a detailed analysis of the cost of insurance inStuart, FL.

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Average Home Insurance Premium in Stuart, FL

National Average Premium State Average Premium Stuart Average Premium
$1,438 $1,605 $1,485

Top Home Insurance Companies in Stuart, FL | Back to Top

It is essential to find home insurers that provide the best insurance quotes. vHomeInsurance has rounded up the top home insurance companies in Stuart, FL.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Universal Property & Casualty Insurance Company $1,334 $1,601 $2,082 $2,872
Tower Hill $1,494 $1,793 $2,330 $3,216
USAA $3,490 $4,188 $5,445 $7,514
Chubb $1,336 $1,603 $2,084 $2,875

Stuart, FL Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 637.73
$150,000 To $174,999 998.62
$175,000 To $199,999 1,066.78
$200,000 To $249,999 1,282.63
$250,000 To $299,999 1,923.07
$300,000 To $399,999 2,412.65
$400,000 To $499,999 3,083.54
$500,000 To $749,999 3,946.93
$750,000 To $999,999 4,563.63
$1000,000 To $1499,999 5,026.16
$1500,000 To $2000,000 5,396.19

Visual Guide for Stuart, FL Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Stuart, FL | Back to Top

Home Insurance Company Near Stuart, FL Homeowners Insurance Agency Near Stuart, FL Address
Travelers Best Of Florida Insurance Corp 10546 S Federal Highway Port St. Lucie, Port St. Lucie, FL, 34952
Liberty Mutual Independent Evergreen Insurance 583 105TH AVE N STE 2, ROYAL PALM BEACH, FL, 33411
Travelers Rivard Insurance Agency Inc 1014 GATEWAY BLVD STE 107, BOYNTON BEACH, FL, 33426

List of Stuart, FL Home Insurance Agents by Companies

Stuart, FL Homeowners Insurance Rates Based on Claims Filed | Back to Top

Stuart, FL homeowners who have no previous history of filing for claims are eligible for a discount of $178.2. Stuart, FL homeowners who have filed one claim previously have to pay an additional home insurance premium of $89, while homeowners who have filed 2 claims previously have to pay an additional $208 on their home insurance rate.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -178 1,307
One Claim +89 1,574
Two Claim +208 1,693

Stuart, FL Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
34996 202,400 1,503
34997 195,200 1,504
34994 138,700 1,506

Factors Affecting Home Insurance Premiums in Stuart, FL

The average home insurance premium in Stuart, FL is $1485. There are multiple factors that affect home insurance rates in Stuart, FL. vHome Insurance lists the factors that could help homeowners in Stuart, FL reduce their homeowners insurance rates.

Stuart, FL Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 644
3 Bedroom 1,208
4 Bedroom 2,577
5 Bedroom 2,738

Stuart, FL Home Insurance Premiums for Different Deductibles | Back to Top

Homeowners in Stuart, FL who pay a low deductible of $500 pay a higher rate on their home insurance premium, while Stuart, FL homeowners who pay a deductible rate as high as $2500 pay a lower rate on their home insurance premium, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 1,467
$1000 Deductible 1,327
$1500 Deductible 1,249
$2000 Deductible 1,134
$2500 Deductible 1,066

Stuart, FL Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Stuart, FL pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 1,188
Year 30 Old 1,507
Year 40 Old 1,524
Year 50 Old 1,541
Above Year 50 1,556

Stuart, FL Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 178 1,307
Masonry 74 1,411
Brick 74 1,411
Superior 149 1,337
Hail Resistant Roof 30 1,455

Top Saving Tips on Stuart, FL Homeowners Insurance | Back to Top

Home insurance companies tend to provide discounts to homeowners based on the construction type of the home. Stuart, FL homes that are resistant to damage attract more discounts from home insurers. Stuart, FL homeowners who have bundled their auto insurance and home insurance policies pay lower home insurance premiums. Senior citizens also receive additional discounts from home insurers, in addition to standard discounts. Stuart, FL homes equipped with safety devices earn substantial discounts, as they are less prone to burglaries.

The tables below contain the complete list of discounts that Stuart, FL homeowners can take advantage of to increase their savings.

Stuart, FL Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 238 1,247
Retiree Discount (Senior Citizen Discount) 208 1,693
Newly Constructed Home 297 1,188

Stuart, FL Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 119 1,366
Fire Extinguishers 134 1,351
Smoke Detectors 134 1,351
Sprinkler System 134 1,351
Fire Alarm 119 1,366
Burglar Alarm 134 1,351
Lightning Protection 59 1,426

Latest Home Insurance Reviews

I chose Allstate because they offer a wide range of products and easy to take care of all my needs online and offline. I have been with them for years. They need to give some discounts for loyal customers.
State Farm
I would recommend State Farm insurance to anyone who wants an affordable insurance company. You can save even more money with them if you add your auto insurance through them.
Assurant Specialty Property
On top of basic insurance, they also provide various other extra protection if you so desire. some examples of these are; pet damage, sewer or drain backup and even identity fraud protection.
Liberty Mutual
the premium deductible is so convenience and i feel secured about it. i can pay at my convinience but surely i must pay
Good company overall. Have good rates and good customer service. They seem to be doing a good job with their clients.
Farmer's Insurance
The deductible was $500 which was an ok amount. Considering the amount of damage.
I believe our home insurance company policy is very generous because it is an exclusive company catering to the military--active and retirees.Our coverage is lower as compared to other companies for the aforementioned information.
My home insurance policy also offers renters insurance. So if my food goes spoiled in the event of a power outage or a hurricane they replace ir right away. I would give it a 5.
I like my insurance agent in general. she is very nice and takes her personal time to follow up with any unanswered questions.
State Farm
As if now i am not making a steady income, so they're rates are a little high for me as of right now.
Assurant Specialty Property
Customer service is awful! They don't care and they tell you to read this and that. They could for sure do better training with people or find a new crew.
Honestly, I am not sure how it compares to other companies. We have had USAA for so long that I haven't bothered to check other companies.
USAA's website is pretty easy to operate through and doesn't have a lot of distractions in it. It doesn't try to get us to sign up for other services but provides what we ask for.
Farmer's Insurance
I have no issues with the customer service that Farmers provides. Anytime I have a question or issue I contact my agent and he takes care of me.
State Farm
Just like other insurance companies, they rip me off based on my credit score. I cannot get a good rate.
It is wise for anyone to have homeowners or renters insurance. For what we needed and the prices quoted, Progressive was where we chose to do business.
I would highly recommend Travelers for your home insurance needs. The customer service was excellent, the cost was very affordable, and the coverage is top rate.
Farmer's Insurance
I would definitely recommend this company to anyone looking for coverage. They have always been honest and fair with me and kept me happy as customer.