Vero Beach Insurance Rates:

Vero Beach, FL homeowners insurance is nearly $997 to $1,351, about $83-$112/month. Our complete research reveals consumers can save upto $469 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Usaa
I would recommend USAA to others, and I do often. Whenever the issue of home insurance comes up, I always mention the affordability and effectiveness of our plan with them.
State Farm
I 100% recommend State Farm for home insurance. The customer service is the best there is, making sure you know exactly what you're getting and working with you to determine that perfect price.
Citizens Property Insurance
I recommend this company 100% to insurance your home for complying with the terms of the contracts. Other companies do not comply with the terms,
Farmer's Insurance
I recommend them because they are always there for you. They are honest. They definitely want you as a customer
Usaa
They let your rental insurance apply towards a storage unit which is super convenient for when you're moving or transitioning between residences.
Progressive
With my home owner's insurance company's customer service I have always had a very good experience. They are always polite, friendly and helpful.
Usaa
They're stress free, quick to respond, and always make interactions pleasant. They're truly a customer first company. I wouldnt want to use anyone else.
Liberty Mutual
I would give my home insurance company a 4 on a 5-point scale, as I have never needed anything major from them, but day-to-day service has been great.
Usaa
I think my insurance company policy offerings are on the same level as other insurance companies. especially since they cater to military and prior military.
State Farm
Easy accessibility is a key factor for me, so i love customer service the fact that i can call any time of the day twenty-four seven.
Progressive
They are not always consistent with their policies. the pricing and details sometimes change based on where you live and your demographics which makes it sometimes misleading if you are referred by someone else.
Liberty Mutual
Liberty mutual offers competitive pricing when compared to others in the industry. their pricing will often match or outbid others while maintaining quality.
Nationwide
ANYTIME WE CALLED OUR INSURANCE COMPANY, WE GOT IMMEDIATE ACTION. WE HAD OUR ROOF REPLACED AND THE COMPANY GAVE US MORE MONEY THAN WE NEEDED
Allstate
I always check different insurance policies one a year and All State is the cheapest for me. They also bundle my car insurance
State Farm
Fortunately, I’ve never had to contact customer service with the insurance company. I believe my husband did once to see a cracked picture window, and they told him the deductible, but that was the only contact we've had.
Usaa
I dislike how they don't inform me of price changes within the policy. The lack of helpfulness they showed in resolving what I was told was a claim. Ultimately nothing was ever done about the break-in.
Frontline Insurance
The only thing I didn't like about the company is that they sent a random person out at a random day to confirm the insurance at the home.
Amica Mutual Insurance
They're easy to talk to once you get in touch with them. They don't have any way to reach them after business hours though so you're basically on your own.
Allstate
I have never had any problems with them I do feel my deductible is a bit high but maybe for the quality of service I get it makes it ok
Travelers
I like my insurance company I have had no problems over the years. The keep us current on changes in insurance laws for the country
State Farm
I have no complaints against the company, on the contrary, it seems to me that everything is very good, I hope it continues to be so.
Amica Mutual Insurance
They are a fine company. I don't have anything negative to say.
Gulfstream Property And Casualty Insurance Company
I currently do not have any dislikes about the insurance company.
Security First Home Insurance
Security first has low prices, friendly knowledgeable representatives that can help you understand your policy and your coverages. Highly recommended.
Kilbride Insurance
I have recommended my insurance company several times to my neighbors because the difficulty trying to find coverage on very old homes in Florida.
Tower Hill Insurance
Towerhill insurance seems to be like a good company. They have given me good home owners insurance rates and review my policy each year to see if any new policies would help me save money.
Citizens Property Insurance
I have been with them for 10 years and I have never had a problem. Plus my rates haven't gone up. Even after the last hurricane we had.
People's Trust Insurance
One time when I got a security system installed in my house I sent them my certificate to receive a discount that they offered but it never got applied to my account. That was the only thing that made me upset with them. They did finally get it applied to me.
Usaa
I like that they treat you like an actual person and not another number in line. They seem to care that you get what you need out of them as a company.
Usaa
They recently closed all of their offices so now everything is done completely online or over the phone. Can make some situations hard to manage.
State Farm
I would recommend State Farm because they are always offering options and are readily available for questions or concerns that their clients may have.

Vero Beach, FL Homeowners Insurance By Home Value

Vero Beach, FL Home Value Total Homes % of Total Average Vero Beach, FL Homeowners Insurance
Less than $50,000 2,306 7.0% $164
$50,000 to $59,999 1,027 3.0% $351
$60,000 to $69,999 1,308 4.0% $434
$70,000 to $79,999 1,185 3.0% $504
$80,000 to $89,999 1,839 5.0% $574
$90,000 to $99,999 1,467 4.0% $645
$100,000 to $124,999 3,568 11.0% $738
$125,000 to $149,999 3,119 9.0% $926
$150,000 to $174,999 4,176 12.0% $1102
$175,000 to $199,999 2,502 7.0% $1278
$200,000 to $249,999 3,860 11.0% $1536
$250,000 to $299,999 2,863 8.0% $1876
$300,000 to $399,999 3,063 9.0% $2381

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


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

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

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

Sample Home Insurance Rates for Vero Beach, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1981 195,000 Membrane Roof 2,080 3 $500 Deductible 1640 7 Brick siding No
1988 345,000 Wood Shake Roof 3,200 4 $5000 to $10,000 Deductible 1110 3 Stucco siding No
1993 195,000 Asphalt Shingles Roof 1,890 3 $5000 to $10,000 Deductible 180 1 Stucco siding yes
2005 225,000 Asphalt Shingles Roof 2,340 4 $500 Deductible 4140 10 Vinyl siding yes
2011 300,000 Shingles Roof 3,190 4 > $10,000 Deductible 3610 12 Fiber-Cement Siding No
2010 255,000 Metal Roof 3,030 4 $1000-$2500 Deductible 4900 12 Wood siding No
2008 150,000 Slate Shingles Roof 1,540 3 $2500-$5000 Deductible 700 3 Stucco siding No
2011 160,000 Slate Shingles Roof 1,500 3 $2500-$5000 Deductible 2300 8 Fiber-Cement Siding yes
2014 175,000 Slate Shingles Roof 2,080 3 $500- $1000 Deductible 2650 7 Stone Siding yes
2009 285,000 Metal Roof 2,600 4 > $10,000 Deductible 840 3 Stone Siding No
1980 255,000 Slate Shingles Roof 2,170 5 > $10,000 Deductible 280 1 Vinyl siding No
1996 120,000 Composition Roof 1,270 3 $500 Deductible 760 5 Vinyl siding yes
2002 235,000 Composition Roof 2,180 4 $5000 to $10,000 Deductible 2390 9 Fiber-Cement Siding yes
2002 195,000 Tile Roof 1,660 4 $5000 to $10,000 Deductible 2600 10 Brick siding yes
2008 255,000 Metal Roof 2,950 4 $500 Deductible 660 2 Fiber-Cement Siding yes
2013 200,000 Slate Shingles Roof 1,670 4 $1000-$2500 Deductible 2770 8 Stucco siding yes
2011 225,000 Wood Shake Roof 1,960 4 $500 Deductible 2120 4 Brick siding No
1991 445,000 Wood Shake Roof 4,710 5 $1000-$2500 Deductible 970 2 Brick siding No
1991 245,000 Asphalt Shingles Roof 2,810 4 > $10,000 Deductible 1030 4 Stucco siding No
1998 325,000 Asphalt Shingles Roof 3,260 4 > $10,000 Deductible 1130 4 Fiber-Cement Siding yes
2000 220,000 Metal Roof 2,060 3 $1000-$2500 Deductible 1740 4 Vinyl siding yes
1985 220,000 Asphalt Shingles Roof 1,810 5 $500- $1000 Deductible 2020 6 Brick siding yes
2011 370,000 Metal Roof 4,290 5 $500- $1000 Deductible 7730 12 Stucco siding No
1987 265,000 Slate Shingles Roof 3,230 4 $1000-$2500 Deductible 1910 5 Brick siding No
1998 340,000 Shingles Roof 3,000 5 $5000 to $10,000 Deductible 3840 8 Brick siding yes
1998 465,000 Metal Roof 4,520 5 > $10,000 Deductible 5740 9 Stone Siding yes
1993 515,000 Shingles Roof 4,590 5 $1000-$2500 Deductible 3140 5 Fiber-Cement Siding No
1986 255,000 Slate Shingles Roof 2,550 4 $1000-$2500 Deductible 2860 8 Wood siding No
1992 270,000 Wood Shake Roof 2,390 5 $1000-$2500 Deductible 3570 9 Stone Siding No
1985 170,000 Metal Roof 1,740 5 $500 Deductible 1320 4 Stone Siding No
1988 145,000 Wood Shake Roof 1,985 3 $500- $1000 Deductible 2880 10 Stone Siding No

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