A home is the investment of a lifetime. By purchasing home insurance, you guarantee financial protection from losses due to fire, theft, vandalism and property-related accidents. To help you find a company offering the right kinds of coverage in South Florida, we researched the best homeowners insurance in West Palm Beach.
How to choose homeowners insurance in West Palm Beach
On most days, West Palm Beach is a tropical paradise and a perfect place to own your dream home. But Florida is vulnerable to powerful hurricanes and other destructive weather that puts houses at risk.
That, combined with above-average crime rates, is part of the reason having homeowners insurance in West Palm Beach is critical. It’s also usually required if you have a mortgage.
If your house is damaged or personal belongings are stolen, a homeowners policy compensates you for the loss. When shopping for homeowners insurance in Florida, you’ll likely see two main types of packages offered:
HO-2, or broad form policy, names the “perils,” or risks that might cause loss of your home or personal property.
HO-3, or special form policy, is the most popular, listing only specific exclusions from coverage.
Each policy comes standard with personal liability coverage, which protects you against a claim or lawsuit if you are found responsible for an injury on the property, or if you or a family member cause damage to someone else’s property.
How much is homeowners insurance in West Palm Beach?
Homeowners insurance in Florida costs more than in any other U.S. state. Your premiums depend on types and amounts of coverage, the age and building materials of the home, claims history, credit score and the deductible. Your location in or near West Palm Beach also matters.
Average home insurance rates in West Palm Beach
North Palm Beach (33403)
West Palm Beach (33401)
Lake Worth (33460)
Boynton Beach (33436)
Based on dwelling coverage above with a constant $1,000 deductible and $100,000 liability.
When purchasing homeowners insurance in West Palm Beach, be sure you’re taking advantage of all available discounts. You can save money by insuring a home and vehicle with the same company, having smoke detectors and a security system, using impact-resistant roofing materials or being a new homeowner.
Also, be sure to ask about purchasing flood insurance, which is excluded from most standard policies, and sinkhole coverage, which is different from the catastrophic ground cover collapse inclusion required in all policies.
Progressive is a popular choice nationwide for homeowners insurance. Customers can use the company’s HomeQuote Explorer, which lets you compare coverages and prices from multiple companies. Get a quote online or call for advice from one of Progressive’s agents. Discounts are available for bundling homeowners insurance with an auto policy and purchasing in advance. Reviewers say they feel safe with Progressive home insurance.
GEICO provides affordable homeowners insurance for residents of West Palm Beach and across the country. Get a quote online and learn about the many different ways to save, such as having smoke alarms, using home security systems or purchasing multiple policies. Customers appreciate GEICO’s competitive rates and fast claims processing.
State Farm is a one the leading home insurance companies in West Palm Beach. The company’s website has plenty of great resources to learn about coverage options and get answers to common questions. Get a quote online, or call to get more information about the many discounts, like for pairing auto insurance with a homeowners policy. According to reviews, many customers are satisfied with the pricing and the service from local State Farm agents.
Wiglesworth-Rindom Insurance Agency
As a full-service, local, independent insurance agency, Wiglesworth-Rindom specializes in finding the best prices and policies for each client. West Palm Beach residents get an educational coverage review from their own personal licensed agent, and the company handles claims on behalf of policyholders. Wiglesworth-Rindom gets near-perfect reviews from customers for its ability to find strong coverage at affordable prices.
Myers Insurance Agency
Myers Insurance Agency has been providing insurance solutions in South Florida since 1981. Open Monday through Saturday and available for appointments on Sundays, this company offers concierge service and top-rated homeowners policies at competitive prices. Get a quick quote by filling out information online and start to learn why residents in the West Palm Beach area speak so highly of Myers Insurance Agency.