Top 5 Home Insurance Companies in Vero Beach, FL
Check out the most popular Home Insurance agencies & companies in Vero Beach, FL & compare the best quotes from them.
The Average Cost of Homeowners Insurance in Vero Beach, FL
The average cost of homeowners insurance in Vero Beach, FL, is $1459.8. Homeowners insurance protects you in the event of a fire, vandalism, or other property damage. The main reason for home damage in the United States is due to the abysmal weather conditions. An influx of moisture can cause the wood and metal components to swell, resulting in water damage. Therefore, it is vital to consider standard home insurance and content specialty insurance in Vero Beach, FL.
Homeowners should compare the advantages and losses covered by different companies before purchasing home insurance in Vero Beach, FL. Homeowners can refer to the homeowner's insurance reviews to notice what companies offer the best pricing and coverage. The top companies that provide homeowners insurance in Vero Beach, FL, are listed below.
Factors affecting home insurance in Vero Beach, FL:
1. Home insurance rates by coverage levels
2. Home insurance rates by deductibles
3. Home insurance rates by materials used
4. Home insurance rates by the number of claims
Homeowners insurance in Vero Beach - Rates by coverage levels
As a homeowner, you are accountable for the damage to your house, inside and out. Coverage includes protection from earthquakes and hurricanes, protection from losses due to theft or vandalism, property damage protection that pays for repair costs to the home, other buildings on the property, and property contents such as furniture and rugs. Each category has a specific limit for each type of coverage a homeowner chooses. For instance, homeowners opting for $100K coverage pay $661 on home insurance in Vero Beach, FL.
Below is the cost of home insurance in Vero Beach, FL, based on the coverage limit opted by the homeowners.
Homeowners insurance in Vero Beach- Rates by deductibles
How much would you pay every month if a fire destroyed your home? What if your car was stolen from the driveway, and someone stole the other vehicle parked in the alley? The answer: It depends since your deductible plays a vital role in paying these claims. Your home insurance deductible is the amount you agree to pay towards a claim before your insurance company will step in and pay the rest.
For instance, homeowners in Vero Beach who opted for a deductible of 1500 pay $1229 towards their home insurance in Vero Beach. Homeowners who choose to pay a low deductible have to pay a higher premium. For instance, homeowners who opted for a deductible of 500 pay $1443 towards their home insurance in Vero Beach, FL.
Homeowners insurance in Vero Beach - Rates by the materials used
Durable materials such as steel, brick, and concrete are used in building houses because they are strong to withstand extreme weather conditions. This also gives the house a long lifespan and durability of the structure. Home insurance providers determine the rate of insurance based on the materials used while constructing your home. For instance, homeowners who use Masonry and Superior brick materials to construct their homes pay $1387 and $1329, respectively, on homeowners insurance in Vero Beach, FL.
Homeowners insurance in Vero Beach - Rates by the number of claims
Those with experience in the insurance industry know that rates decrease significantly when you have no previous claims. But what many don't realize is that your history can help you get that premium lower. For instance, policyholders with zero claims can purchase their policy for as low as $1285 in Vero Beach, FL. The premium is higher for policyholders with one or two claims. Homeowners pay around $1562 and $1650, respectively, on their homeowner insurance in Vero Beach, FL.
Top Home Insurance Companies in Vero Beach, FL
| Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
|---|---|---|
| Erie | A+ | 7.02% |
| State Farm | A | 6.9% |
| Allstate | A+ | 4.9% |
| Liberty Mutual | A | 3.2% |
| Travelers | A++ | 3.1% |
Top State Farm Home Insurance Agents in Vero Beach, FL
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Juan Gonzalez | 1971 US HWY 1 S www.jgonzalezinsurance.com 34950 |
800-891-4222 | |
| Georgann Hoffman | 1802 S Parrott Ave www.georgannhoffman.com 34974 |
(863) 763-7711 | |
| Juan Jimenez | 955 S FEDERAL HWY STE 101 34994 |
772-283-2933 | |
| Jef Saragena | 605 17TH ST www.saragena.com 32960 |
772-978-0900 | |
| Pam Mowatt | 780 S APOLLO BLVD STE 102 www.pammowatt.com 32901 |
(321) 733-6253 | |
| Tom Nagel | 645 Classic Ct Ste 104 32940 |
||
| Lona Mauk | 800 S PARROTT AVE www.lonamauk.com 33472 |
863-763-6411 | |
| Shannon Surholt | 10546 S Federal Highway Port\u00a0St.\u00a0Lucie www.shannonsurholt.com 34952 |
(772) 408-9567 | |
| Jack Lewis | 2440 Se Federal Hwy #701 34994 |
||
| Mike Petronella | 2041 SE OCEAN BLVD www.mikepetronella.com 34996 |
(772) 287-3366 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Mosby Insurance | 1215 E NEW HAVEN AVE 32901 |
(321) 723-7441 | |
| Vanvleet Insurance Agency | 10306 S Federal Hwy Port\u00a0Saint\u00a0Lucie www.vanvleetinsurance.com 34952 |
||
| Skinner Insurance Agency Llc | 1680 Sw St Lucie W Blvd Ste 104 Port\u00a0St.\u00a0Lucie 34986 |
||
| Culnan Insurance Agency Llc | 4865 N Wickham Rd 3.www.culnanagency.com 32940 |
321-775-1000 | |
| The Yorke Agency Inc | 4285 Sw Martin Highway www.yorkeagency.com 34990 |
||
| Brian Ruscello Agency Llc | 700 E Merritt Cswy Ste 7 www.ruscelloagency.com 32952-3553 |
321-456-5760 | |
| Hodges Insurance Agency Inc. | 2090 MEADOWLANE AVE 32904 |
321-725-2584 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Dan Hart | 7350 Shoppes Drive Ste 101 32940-6076 |
321-868-2676 | |
| Jeannine J. Izzo | 146 NW CENTRAL PARK PLAZA STE 102 34986 |
772-878-8184 | |
| Wes Barnes | 2801 Ocean Dr Ste 300 Vero\u00a0Beach 32963 |
||
| Stone Insurance Agency Inc | 325 5Th Ave Ste 108 32903 |
||
| Darla Benusa | 2320 Dairy Road 32904-5208 |
321-872-0123 | |
| Ed Nieves | 820 Palm Bay Rd NE Ste 111 32905 |
(321) 724-8851 | |
| Eddie Pacheco | 3450 Bayside Lake Blvd SE 32909 |
(321) 726-4247 | |
| Valerie Randolph | 1046 Ne Blvd 34957 |
||
| Steve Hallmark | 2015 Aurora Rd B 32935 |
||
| Orlando Samuels | 2160 NE DIXIE HWY 34957 |
772-334-3181 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| The Archer Agcy Inc | 1284 Nw Federal Highway archeragency.com 34994 |
Email:archeragy@aol.com |
|
| William P Laughlin Insurance Agency Inc | 202 4Th Ave 32903 |
||
| The Imperial Agency Inc | 100 Rialto Place Ste 744 www.imperialagency.com 32901 |
Email:info@imperialagency.com |
|
| Fioravante Agency | 1707 NW Federal Hwy www.fainsurance.com 34994 |
(772) 337-6560 Email:info@fainsurance.com |
|
| Jeff A Massa Agency | 1717 INDIAN RIVER BLVD STE 300 32960 |
772-567-1188 | |
| William Palmer Insurance Agency | 65 Royal Palm Pt Ste B Vero\u00a0Beach 32960 |
||
| Wells Fargo Ins Services Usa Inc | 2501 Se Aviation Way Ste H www.wfis.wellsfargo.com 34996 |
Email:chpgcommercialsupport@wellsfargo.com |
|
| Hoffberger Insurance Agency Inc | 1740 SARNO RD 32935 |
321-254-9799 | |
| Ins Planning Center Inc | 25 STONE ST 32922 |
321-636-8878 Email:rwinfrey@insplanning.com |
|
| Michael J Keating Agency Inc | 3970 Northwest Federal Highway www.keatinginsurance.com 34957 |
(772) 405-9092 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Christine Duffy Lutcf | 910 SW Martin Blvd 34990-2854 |
772-286-7400 | |
| Douglas Feinberg | 2658 SW Reilley Ave 34990 |
(772) 781-1515 | |
| Jeannine W Curley | 7410 S US HIGHWAY 1 STE 101 34952 |
772-785-5106 | |
| Jeannine Schneiders | 1344 SW BAYSHORE BLVD 34983 |
772-879-1307 |
| Allstate | State Farm | Liberty Mutual | |
| Median Home Value ($) | 183,170 | 173,170 | 173,170 |
| Construction year | 1982 | 1987 | 2003 |
| Home Coverage ($) | $150000-$175000 | $200000-$250000 | $150000-$175000 |
| Total Premium ($) | $3412 | $4387 | $3721 |
Vero Beach, FL Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Erie | upto 24% |
| Allstate | upto 24% |
| Travelers | upto 6% |
| Liberty Mutual | upto 17% |