Cohen Insurance Brokerage
3660 North Federal Highway, Suite 306, Boca Raton, FL 33431
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3660 North Federal Highway, Suite 306, Boca Raton, FL 33431
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20283 State Road 7, Suite 300, Boca Raton, FL 33498
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23123 S State Rd 7, Ste 230B, Boca Raton, FL 33428
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433 Plaza Real, Suite 275, Boca Raton, FL 33432
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980 North Federal Highway, #110, Boca Raton, FL 33432
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6501 Congress Ave, Suite 100, Boca Raton, FL 33487
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21301 Powerline Road, Suite 203, Boca Raton, FL 33433
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301 East Yamato Rd, #2250, Boca Raton, FL 33431
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941 Clint Moore Rd, Boca Raton, FL 33487
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301 Camino Gardens Blvd., Suite 101, Boca Raton, FL 33432
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Learn about insurance coverage options specific to Boca Raton residents.
Boca Raton homeowners pay $4,400-$15,300/year for insurance. Learn about hurricane deductibles, flood coverage, high-value home needs, and HOA requirements.
Home InsuranceBoca Raton home insurance averages $6K-$15K/year. Learn about hurricane deductibles, flood zones, wind mitigation discounts, and how to lower your premiums.
Car InsuranceBoca Raton auto insurance averages $246/month. Learn about Florida's no-fault PIP system, uninsured drivers, luxury vehicle costs, and how to save money.
Business InsuranceEssential business insurance guide for Boca Raton companies. Learn about hurricane coverage, professional liability, costs, and required coverage for Florida businesses.
General Insurance EducationComplete Boca Raton insurance guide covering auto, home, flood, and business coverage. Learn about Florida's no-fault system, new flood maps, and hurricane protection.
Car InsuranceBoca Raton drivers pay $246/month for car insurance—45% above the national average. Learn why rates are high and how to save on your premium.
Homeowners insurance in Boca Raton averages $4,400 to $15,300 annually depending on your coverage level and home value. For a typical home with $300,000 in dwelling coverage, expect around $6,077 per year. However, most Boca Raton homes require significantly higher coverage limits given the area's high property values, pushing premiums toward the upper end of that range. These costs are approximately 33% higher than Florida's state average.
Yes, flood insurance is essential in Boca Raton even if you're not in a FEMA-designated flood zone. Standard homeowners policies exclude all flood damage, including storm surge from hurricanes. According to recent data, over 4,400 properties in Boca Raton have greater than a 26% chance of severe flooding over the next 30 years. Flood insurance typically costs $600 to $2,500 annually, and Boca Raton residents can expect a 25% discount on National Flood Insurance Program policies starting in October 2025.
A hurricane deductible is separate from your standard deductible and applies specifically to hurricane damage. It's calculated as a percentage of your dwelling coverage—typically 2% to 10%. For example, if you have $750,000 in dwelling coverage with a 5% hurricane deductible, you'll pay the first $37,500 of hurricane damage out of pocket before insurance coverage begins. This is critical to understand when budgeting for potential hurricane losses.
Three main factors drive high premiums in Boca Raton: coastal hurricane exposure, high property values, and Florida's challenging insurance market. The city sits directly in the path of Atlantic hurricanes with most coastal areas in high-risk VE and AE flood zones. Property values averaging $1.1 million require higher coverage limits, and the broader Florida insurance crisis—with carriers leaving the market and catastrophic loss history—has increased prices across the board.
If your home is worth over $1 million or has luxury features like custom finishes, imported materials, or high-end built-ins, you likely need specialty high-value home insurance. Standard policies often have coverage limits that don't reflect the true replacement cost of luxury homes. Specialty carriers provide higher limits, agreed-value coverage to avoid disputes after a loss, and enhanced coverage for valuables like art, wine collections, and jewelry that standard policies severely limit.
Your HOA will have a master insurance policy covering common areas like gates, clubhouses, and pools, but this doesn't cover your individual home—you still need your own policy. However, many HOAs require specific coverage levels or endorsements, so review your community's insurance requirements before purchasing a policy. HOA fees in Boca Raton range from $200 to over $1,200 monthly depending on the community, and these fees typically include the master insurance premium along with amenities and services.
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