Port Saint Lucie, FL Home Insurance Quotes!

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It's not uncommon to hear that homeowners living in Port Saint Lucie are paying too much for homeowners insurance. At GetHomeInsuranceQuotes.com, we can help you reduce your annual home insurance cost! Did you know that the average Florida homeowner is paying round $2,165 per year? Let us help you shop multiple rates and consider every home insurance discount available to help you get better coverage for a lower price. Port Saint Lucie homeowners that shop with us can see annual premiums for homeowners insurance for an HO-3 policy as low as $1,415 per year.

Port Saint Lucie Demographics

In the town of Port Saint Lucie Florida, roughly 803,092 are living in families that average 3 in size. There are 11,600 housing units in the city of Port Saint Lucie, but currently only of them are occupied.

One of the things that makes living in Port Saint Lucie fabulous is the fact that most households are earning roughly $61,999, which is the average household income in our area. House prices are also extremely affordable in our little slice of paradise with the average home being priced around $218,096.

Very Affordable Homeowners Insurance in Port Saint Lucie

Within Port Saint Lucie, we are very lucky to offer extremely affordable homeowners insurance rates and coverage options. The average premium for homeowners insurance in Port Saint Lucie, FL is around $1,415 per year. Homeowners living in homes in the 2,000 square foot range are paying around $1665 for a standard HO-3 policy. Larger homes with more replacement cost coverage because they are larger in heated square footage and cost more to replace are paying around $1965 per year. Request quotes online now or Call us now for free quotes: 888-685-4704! We look forward to working with you!

What are the different policy types for homes in Port Saint Lucie?

There are a number of different homeowners insurance policy types for homeowners living in Port Saint Lucie. Each different policy type is designed especially for a certain kind of home. This will give you a great overview of the different types of policies that are available:

  • HO-3: The most common type of homeowners insurance being sold in Port Saint Lucie is the HO-3 policy. This is the policy that most people purchase for their home. It will protect you if your home is damaged by any peril, except ones that are specifically excluded by the policy details. All HO-3 policies exclude flooding and earthquake damage, other exclusions usually apply so read the policy carefully.
  • HO-4: This policy was designed with renters in mind. It covers all of the personal property that you have in your apartment, it also offers liability coverage to protect you if someone is injured in your apartment. Liability protection will cover the cost of a person's medical bills if they are injured in your apartment. If they decide to sue you, this coverage will pay for the cost of your legal defense as well as any settlements or judgments that come out of the lawsuit.
  • HO-5: This is an upgrade from the HO-3 policy and tends to offer more comprehensive coverage but it also costs more. These policies are usually available on newer, more upscale houses.

The big difference is that your personal property is covered from all perils except those excluded in the policy while an HO-3 only covers personal property against the perils named in the policy. It also offers replacement cost coverage as standard while an HO-3 will usually have fair market value as standard coverage.

Compare Homeowners Insurance Rates in Port Saint Lucie, FL!

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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 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 […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • Fall 2023: Florida Homeowners Insurance Premium Update Posted on Tuesday 24th October, 2023

    Despite the fact that the Florida legislation finally passed a couple of bills to deal with the ever-increasing cost of homeowners insurance, it seems unlikely that premiums will start to fall anytime soon according to a report put out by Karen Clark & Company (KCC), a risk modelling firm. The recent report, titled “Managing Expectations: […]

  • Citizens Property Insurance Corporation Citizens Property Sends Out Letters Posted on Wednesday 27th September, 2023

    Soon, hundreds of thousands of Citizens Property Insurance Company policyholders will be getting a letter in their mailbox asking them to move their policy to a private insurance company and away from Citizens, the state-backed insurer of last resort. Citizens Property is using the letters as part of its “Depopulation” effort that was approved by […]

  • 5 New Homeowners Insurance Companies Step into the Florida Insurance Market Posted on Wednesday 27th September, 2023

    Florida’s property insurance disaster may be taking baby steps in the right direction as five new insurers step into the Florida market, taking over hundreds of thousands from Citizens Property, Florida’s insurer of last resort. This could lead to more insurance options for residents of the Sunshine State soon. The five companies in the mix […]

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.