West Palm Beach, FL Home Insurance Quotes!

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West Palm Beach, 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 West Palm Beach 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 West Palm Beach 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 West Palm Beach, 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!

West Palm Beach, FL (PALM BEACH County) Demographics

Did you know there are 99,919 residents living within the West Palm Beach city limits, which is roughly 10,448 households per zip code with 3 people per household. The average household income is $59,705, which is slightly above the national average. Homes are more expensive in the West Palm Beach area with the average house value to be around $216,280.

Total Occupied Households42912
Family Households (families)23068
Average Owner Occupied Household Size2.23
Average Family Size2.97
Total Housing Units54179

West Palm Beach, 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 West Palm Beach, FL.

  • What is the average West Palm Beach, FL home insurance rate per year? $1,651 / yr.
  • What is the monthly cost of home insurance in West Palm Beach on avereage? $138 per month
  • What is the cost of home insurance in West Palm Beach for a $275,000 home? $1,401 / yr.
  • What is the cost of homeowners insurance in West Palm Beach for a 3,000 square foot home? $1,951 / yr.
  • What the national average in the United States? $1311.00

The average home insurance rate for West Palm Beach 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 West Palm Beach, FL Homeowners Insurance Policy?
  2. FAQ: What does a replacement cost coverage and actual cash value mean for my home in West Palm Beach, FL?
  3. This home insurance calculator will calculate your dwelling coverage for your home in West Palm Beach, 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 West Palm Beach, FL!

Enter your Zip Code:    

Get up to 12 competitive West Palm Beach, FL homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive West Palm Beach, 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 West Palm Beach, 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 West Palm Beach

Are you looking for homeowners insurance in a city near West Palm Beach? 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 West Palm Beach, FL

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in West Palm Beach.

33401,     33403,     33404,     33405,     33406,     33407,     33409,     33411,     33412,     33413,     33415,     33417,     

West Palm Beach, FL Home Insurance Average Premiums

Local West Palm Beach, FL home insurance quotes comparison

$1401 /yr.

Shows West Palm Beach's lowest average rates with discounts applied.

For the city of West Palm Beach, 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)
$1401 /yr.
Average Coverage:$1651 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1951 /yr.

What is the average home insurance cost for a home in West Palm Beach, FL?

  • • The average homeowners insurance premium paid annually for a home in West Palm Beach is around $1651 per year.

What does it cost on average per month for home insurance in West Palm Beach, FL?

  • • Homeowners in West Palm Beach pay an average cost per month around $138.00 for insurance coverage.

West Palm Beach, FL Coastal Wind, Hail & Flood Information

West Palm Beach is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal city of West Palm Beach is know for it's beautiful beaches and waterways. Because Palm Beach County (FIPS: 12099) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in West Palm Beach, FL.

Coastal West Palm Beach, Florida Information: To obtain flood insurance coverage, the process usually takes more than 30 days to finalize, if you need flood insurance coverage now, please call us at 888-620-1954.
For more information about your area, please click Coastal Homeowners Insurance in Florida

West Palm Beach, FL - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $410,940 $350,840
February $410,630 $360,830
March $412,029 $372,213
April $413,538 $383,412

Homeowners insurance will help cover the cost to repair or replace your West Palm Beach 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 West Palm Beach
  • 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 West Palm Beach, FL homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive West Palm Beach, FL rates all in one place!

Saving Money Tips on West Palm Beach Home Insurance

A great way to save money on West Palm Beach 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 West Palm Beach 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
16 ft. This is the average home elevation in West Palm Beach, FL

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as West Palm Beach, Florida.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in West Palm Beach, 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 Palm Beach 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 […]

West Palm Beach, FL Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in West Palm Beach 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 West Palm Beach, FL?

- The average square footage in West Palm Beach is around 1,295 Sq. Ft. which would cost you around $216,280 to replace the home if you base the home on the price to build per square foot of $167.

Minimum Replacement Cost Total: $216,280

Location: West Palm Beach, Florida (Palm Beach County)

Average Building Cost Per Square Foot in West Palm Beach: $167 (low end)

Average Square Footage in West Palm Beach: 1,295 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$167$216,280
Some Additional Upgrades$209$270,350
Major Home Updates or Advancements$251$324,421

The dwelling coverage is calculated by the average cost per square foot ($167) in West Palm Beach, 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.