Vero Beach Insurance Rates:

Vero 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 Vero 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 Vero Beach, FL is $1982. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Vero Beach, FL: Customer-Reviewed Options

 

Vero Beach, FL Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Vero Beach, FL. VHome Insurance will help you navigate the world of homeowners insurance coverages in Vero Beach, FL.

Coverage Level Average Annual Premium
$100,000 $793
$200,000 $1,348
$300,000 $1,665
$400,000 $2,537
$500,000 $3,191

 

Vero Beach, FL Homeowners Insurance Rates by ZIP Code

Home insurance costs in Vero Beach 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
032968 $1,917
32967 $1,912
32960 $1,836
32962 $1,817
32966 $1,845

 

Vero Beach, FL Homeowners Insurance Deductibles

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 Vero Beach, FL, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $2,032
$1000 Deductible $1,817
$1500 Deductible $1,714
$2500 Deductible $1,546
$5000 Deductible $1,308

 

 


Top Home Insurance Agents Near Vero Beach, FL

Home Insurance Company Near Vero Beach, FL Homeowners Insurance Agency Near Vero Beach, FL Address
NA Hub International- Florida 6767 North Wickham Rd 400Y , Melbourne, FL, 32940
NA Aaa Insurance Agency 1971 S Us Highway 1 , Fort Pierce, FL, 34950
Travelers Acg South Insurance Agency Llc 6650 20TH ST, VERO BEACH, FL, 32966
Travelers Axxess Insurance 3270 SUNTREE BLVD STE 103, MELBOURNE, FL, 32940
Allstate Roy Childs 1707 NW Federal Hwy, Stuart, FL, 34994

Vero Beach, FL Home Insurance Agents for Top Companies

 

Vero Beach, 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
Winter Beach CDP, Florida $181 $241 $362
Indian River Shores town, Florida $220 $293 $440
Gifford CDP, Florida $181 $241 $362

 


Vero Beach, 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
Vero Beach, FL6.7%19.1%
Winter Beach6.15%16.12%
Indian River Shores3.61%12.21%
Gifford7.26%17.93%

Vero Beach Renters Insurance as a Percentage of Rent

Vero Beach Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 185 1.0% $786
$300 to $499 758 6.0% $1236
$500 to $749 2,920 24.0% $1911
$750 to $999 3,827 32.0% $2661
$1,000 to $1,499 2,792 23.0% $3786
$1,500 or more 1,151 9.0% $5436

Cost Of Homeowners Insurance By Street Near Vero Beach, FL

Streets in Vero Beach Area Homeowners Insurance Cost
109th Pl, Lake Rose Blvd, 38 Sq SW, 22nd Ave, Orangewood Ln, 56th Ave, Bridge Blvd, Port Royal Ct, 79th Ct, Greenleaf Cir$1,158
N Savannah Pl, Stophan Dr, Orchid Point Way, W Sandpointe Ln, Salazar Ln, 18th Ave SW, 55th St, Southwinds Blvd, Spire Ave, Treasure Coast Plz$1,489
Bay Oak Cir, Barber Ave, Potomac Ave, Acorn Ter, Seaway Ct, Kendall Ave, Browning Ter, 43 Ter SW, Wittington Ave, Dove Shell Ln$1,432
7th Ave, Coral Reef St, Surfside Ln, Airport Dr W, Fairfield Ln, 3rd Ln SW, Waterford Dr, 7th Ave SE, 42nd Ln, Monarch Way$1,167
S Maiden Ln, Jonathans Trl, 71st Ave, 7th Ln, Barbados Sq, Floraland Ave, Albany Ter SW, Arbor Ln, 4th Pl, Mainsail St$1,198
Westwind Ct, Coral Way S, Club Dr, Tides Rd, Cownie Ln, 56th St, Island Club Pl, Roland Miller Dr, 15th St SW, Kroegel Ave$1,479
Oswego Ave, Riverside Dr, Twining Ter, 17th Ave SW, Palmetto Ave, 45th St, Indian River Dr E, Oak Hammock Cir SW, Belvedere Trl, Streamlet Ave$1,486
67th Ave, Cordova Ave, Abbott Ln, Oak Harbor Blvd, 82nd St, 39th Ave SW, 133rd Sq, 81st Ave, Caprol Ln, 65th Ave$1,159
E Derry Dr, Brigadoon Dr, Abeto Ter, 130th St, 3rd Pl, 60th Dr, Joan Ln, Indian Ln, Cross Ct, 83rd St$1,126
44th Ct, Shady Oak Way, Indian Creek Blvd E, Balboa Ave, 46th Ln, Seaside Ter, 9th Trl SW, E Cam del Rio, Greytwig Rd, 23rd Pl SW$1,147

Vero Beach, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Vero Beach$175 to $178
Winter Beach$181
Indian River Shores$220
Gifford$180

Average Cost Of Home Insurance By Company In Areas Nearby Vero Beach For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Federated National Insurance $4,287
150,000 27 NO Florida Farm Bureau Casualty Insurance $4,603
150,000 27 NO Florida Peninsula Insurance $3,856
150,000 27 YES Castle Key Indemnity Company Insurance $1,806
150,000 27 YES Safeway Property Insurance $1,855
150,000 27 YES Security First Insurance $1,476
150,000 27 YES State Farm Florida Insurance $1,864
150,000 27 YES Tower Hill Prime Insurance $1,403
150,000 27 YES United Property & Casualty Insurance $1,637
300,000 12 NA Citizens Property Insurance $3,405
300,000 12 NA First Protective Insurance $2,268
300,000 12 NA Florida Family Insurance $3,261
300,000 12 NA Florida Peninsula Insurance $3,425
300,000 12 NA Security First Insurance $3,629
300,000 12 NA Southern Oak Insurance $3,812
300,000 12 NA Universal Insurance $4,624

 


Vero Beach, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,400$2,400
Yearly Vero Beach Homeowner Insurance Premium Example $7,300$7,100
Out of Pocket Expense During Claim$1,400$2,400
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $59,800$59,200
Net Savings to Vero Beach Home Owner from High Deductible Plan $600

 


Vero Beach, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Vero Beach, FL Home Replacement Value MORE than Home Value Vero Beach, FL Home Replacement Value LESS than Home Value
Replacement Value $160,000 $99,500
Insurance Premium based on Replacement Value $3,000 $1,875
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $38,500 Risk Exposure from Under Insuring Coverage is $22,000
Premium Impact Insurance cheaper by $400/year Insurance costlier by $725/year

 


Example Vero Beach Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceChubb Group of InsuranceLiberty Mutual
Monthly Premium 237226277
Year Built 201419852007
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $200000-$250000$200000-$250000$200000-$250000
Deductible $5000 to $10,000 Deductible> $10,000 Deductible$5000 to $10,000 Deductible