Port Saint Lucie, FL Home Insurance Quotes!

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Port Saint Lucie, FL homeowners are now shopping online to conveniently discover new ways to compare home insurance prices. At GetHomeInsuranceQuotes.com, we enjoy providing top notch customer service to local homeowners that are in need of clear and accurate coverage for their beautiful Port Saint Lucie home. We understand that you don't have a ton of time to shop every home insurance company that can provide a competitive rate. That's our job! We work with you and help you compare the best coverage options available and it only takes a few minutes for you to complete the online quoting application. Since 2012, our focus has been to put the needs and the customer first. We have been able to service thousands of homeowners in Port Saint Lucie and throughout the state of Florida. We can usually provide up to 12 quotes and we can pick the best coverage options for you. In most cases, the best home insurance policy is not always the cheapest. And our FL licensed specialists are here to help you find the protection you need for you and your family.

For a quick homeowners insurance quotes for your home in Port Saint Lucie, FL, please enter your zip code. The process only takes 1 minute to complete. Start your home insurance quote today or give us a call now at 888-685-4704!

Port Saint Lucie, FL Homeowners Insurance Resources

Below are some additional resources to help you understand your home insurance coverage and policy details for a home located in Port Saint Lucie, FL.

  • What is the average Port Saint Lucie, FL home insurance rate per year? $1,665 / yr.
  • What is the monthly cost of home insurance in Port Saint Lucie on avereage? $139 per month
  • What is the cost of home insurance in Port Saint Lucie for a $275,000 home? $1,415 / yr.
  • What is the cost of homeowners insurance in Port Saint Lucie for a 3,000 square foot home? $1,965 / yr.
  • What the national average in the United States? $1311.00

The average home insurance rate for Port Saint Lucie displayed above is an accumlative average based on a standard homeowners insurance policy. We can help you compare up to 12 rates and review all the discounts and credits that may apply to help you save up to 40% or more.

Top 5 Helpful Saving Resources

Below are helpful saving tips when purchasing or shopping for home insurance.

  1. FAQ: What is a Port Saint Lucie, FL Homeowners Insurance Policy?
  2. FAQ: What does a replacement cost coverage and actual cash value mean for my home in Port Saint Lucie, FL?
  3. This home insurance calculator will calculate your dwelling coverage for your home in Port Saint Lucie, FL so you know what type of home insurance coverage you need to cover your replacement cost.
  4. Here are the top five homeowners insurance discounts that you may not be aware of in Florida
  5. Here are the top 3 home insurance credits available to homeowners.


Compare Homeowners Insurance Rates in Port Saint Lucie, FL!

Enter your Zip Code:    

Get up to 12 competitive Port Saint Lucie, FL homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Port Saint Lucie, FL rates all in one place!

Our Service in Florida

You can feel confident that our experience, integrity and service will help you find the best insurance policy at a price you can afford. We work with a wide variety of insurers in Port Saint Lucie, Florida and all of them are top rated "A+" by A.M. Best Rating and have been in business for several decades.

Just a few of the insurers we work include American Integrity Insurance Group, Anchor Insurance, ASI, Bankers Insurance Group, Centauri Insurance, Chubb, Edison Insurance Company, Florida Peninsula Insurance Company, Heritage Insurance, Lexington Insurance, Olympus Insurance, People's Trust Insurance Company, St. Johns Insurance Company and many more.

Average Rates Nearby Port Saint Lucie

Are you looking for homeowners insurance in a city near Port Saint Lucie? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Port Saint Lucie, FL

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Port Saint Lucie.

34952,     34953,     34983,     34984,     34986,     34987,     

Port Saint Lucie, FL Home Insurance Average Premiums

Local Port Saint Lucie, FL home insurance quotes comparison

$1415 /yr.

Shows Port Saint Lucie's lowest average rates with discounts applied.

For the city of Port Saint Lucie, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$1415 /yr.
Average Coverage:$1665 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1965 /yr.

What is the average home insurance cost for a home in Port Saint Lucie, FL?

  • • The average homeowners insurance premium paid annually for a home in Port Saint Lucie is around $1665 per year.

What does it cost on average per month for home insurance in Port Saint Lucie, FL?

  • • Homeowners in Port Saint Lucie pay an average cost per month around $139.00 for insurance coverage.

Port Saint Lucie, FL - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $386,790 $347,641
February $384,075 $355,719
March $382,102 $364,717
April $380,808 $373,024

Homeowners insurance will help cover the cost to repair or replace your Port Saint Lucie home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Port Saint Lucie
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive Port Saint Lucie, FL homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Port Saint Lucie, FL rates all in one place!

Saving Money Tips on Port Saint Lucie Home Insurance

A great way to save money on Port Saint Lucie homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Port Saint Lucie area? Check out what homeowners are paying on average for Florida homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
19 ft. This is the average home elevation in Port Saint Lucie, FL

Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Florida flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Port Saint Lucie, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Saint Lucie County.

Florida Homeowners Insurance News & Information

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

  • Florida Lawmakers May Allow Takeout Offers to Citizens’ Policyholders Posted on Wednesday 13th March, 2024

    Lawmakers in Florida are moving closer to allowing specific insurer types to make offers to policyholders currently with Citizen’s Property to insure their vacation or second home.  SB 1716 this week cleared the Senate’s Fiscal Policy Committee for the takeout offers after the Senate’s Banking and Insurance Committee approved the measure earlier this month.  This […]

  • Florida has 7 New Home Insurance Companies Entering the Market Posted on Friday 1st March, 2024

    Recently, Florida has seen seven new insurance companies enter the market for homeowners coverage. Currently, the average premium for homeowners coverage is $6,000 a year in the Sunshine state compared to a nationwide average of just $1,700 a year, according to the Insurance Information Institute.  The Insurance Information Institute is hopeful that the new insurance […]

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • Florida Homeowners Advance From Citizens into Private Companies Posted on Tuesday 5th December, 2023

    Homeowners Choice Property and Casualty Insurance Co. has assumed approximately 53,750 policies from Citizens Property Insurance Corp., Florida’s state-backed insurance company, the parent company says in a Tuesday news release. Homeowners Choice is owned by HCI Group Inc., a holding company with operations in homeowners insurance, information technology services, real estate and reinsurance. Homeowners Choice […]

Port Saint Lucie, FL Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Port Saint Lucie so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Port Saint Lucie, FL?

- The average square footage in Port Saint Lucie is around 1,306 Sq. Ft. which would cost you around $218,096 to replace the home if you base the home on the price to build per square foot of $167.

Minimum Replacement Cost Total: $218,096

Location: Port Saint Lucie, Florida (Saint Lucie County)

Average Building Cost Per Square Foot in Port Saint Lucie: $167 (low end)

Average Square Footage in Port Saint Lucie: 1,306 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$167$218,096
Some Additional Upgrades$209$272,620
Major Home Updates or Advancements$251$327,144

The dwelling coverage is calculated by the average cost per square foot ($167) in Port Saint Lucie, Florida times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $521,875 (Media price to build of $209 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.