Homeowners Insurance in Palm Beach Gardens, FL

There is no single price. Your premium depends on the cost to rebuild your home, the roof's age and type, the year built and updates, construction, opening protection, distance from the coast, your claims history, and the deductibles you choose. Two homes on the same street can price very differently. We do not post average prices because they change often and rarely match a real home. A quote on your home is the only reliable number.

A few things add up. South Florida faces real hurricane risk. Building materials and labor cost more than they used to. Insurance companies also pay for their own backup coverage, called reinsurance, and Florida's claims history has pushed costs up. Higher home values mean higher limits, too. How much each of these matters depends on the home and the insurer.

The biggest factors are usually the roof, the age of the home and its systems, construction type, wind mitigation features, location and distance to the coast, claims history, and your deductible choices. Some you can change, like adding impact windows or choosing a different deductible. Others, like the year built, you cannot. Our guide on what affects home insurance prices in Florida goes into more detail.

Many Florida homeowners policies cover wind damage from a hurricane, usually with a separate hurricane deductible. Some policies exclude wind, and then a separate wind policy is needed. Homeowners policies generally do not cover flood or storm surge, even during a hurricane. Check your declarations page, or ask us to walk through it with you.

Usually, if your policy includes windstorm coverage. Wind damage from a regular storm typically falls under your all other perils deductible. Wind damage from a hurricane typically falls under your hurricane deductible. Damage from wear and tear or an old roof is generally not covered. The exact terms depend on your policy.

It depends on your home and your loan. Lenders usually require flood insurance for homes in high-risk flood zones with a federally backed mortgage, and a lender can require it in other zones too. Some HOAs or condo documents have their own rules. Even when it is not required, it is worth thinking about. All of Florida is in a flood zone. The only difference is high risk or lower risk.

Standard homeowners policies generally do not cover flood damage, including storm surge and rising water from heavy rain. Flood coverage comes from a separate policy through the NFIP or a private flood insurer. See our flood insurance page to learn how the options compare.

It is a separate deductible that applies to damage from a hurricane. It is usually a percentage of your dwelling limit. For example, a 2% hurricane deductible on a home insured for $500,000 is $10,000. A 5% deductible would be $25,000. Exactly when and how it applies depends on your policy wording.

Yes. It is one of the biggest factors in Florida. Roof age, material, and condition can affect your price, which companies will offer a policy, and how a roof claim is paid. Each insurer has its own rules, and some may ask for a roof inspection. If you have records of when the roof was replaced, keep them handy.

Often, yes. It depends on the condition of the home and when the roof, electrical, plumbing, and AC were last updated. Many insurers ask for a 4-point inspection on older homes, and some will not accept certain older electrical panels or plumbing types. Permits and receipts for past updates can help. Our inspection guide explains what to expect.

Generally, yes. Newer homes built to current Florida codes often have features underwriters like, such as impact windows and newer roofs. Your lender will usually want the policy in place before closing, so start early. Have your closing date, builder details, and lender information ready. If the home was covered by builder's risk insurance during construction, that coverage is not meant to replace a homeowners policy once you move in.

Yes. That is what we do. We hold appointments with more than 40 insurance companies. Not every company writes every home, so we focus on the ones likely to consider yours. Then we send you the most competitive option we find and explain how its coverage and deductibles compare with what you have now, not just the price.

Start with the address, year built, roof year and material, and the years major systems were updated. Your current declarations page, a wind mitigation report, a 4-point inspection for older homes, and an elevation certificate also help if you have them. If you are buying, include your lender and closing date. You can start your quote online with just the basics.

Put your current declarations page next to the new quote. Check that the dwelling, other structures, personal property, loss of use, and liability limits match. Then compare the hurricane deductible in dollars, the all other perils deductible, how the roof is paid, and any limits on water damage or screen enclosures. Look at price last. A lower premium can hide a much larger deductible or less coverage.

It varies a lot by policy. Fences and detached structures often fall under other structures coverage, subject to your hurricane deductible. Screen enclosures and pool cages are often limited or excluded for hurricane damage unless you add an endorsement. Pools, pool equipment, and landscaping are treated differently by different policies. Ask about these items before you buy, especially in a home with a large lanai or pool cage.

No. Our office is in Stuart, at 1239 SE Indian St., Suite 101. Most of our Palm Beach Gardens clients handle everything by phone, email, and e-signature. You can call us at (772) 530-5305 or contact us online.