Senior Health Insurance Advocates
2240 West Woolbright Road, Ste 353, Boynton Beach, FL 33426
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2240 West Woolbright Road, Ste 353, Boynton Beach, FL 33426
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8369 Logia Circle, Boynton Beach, FL 33437
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1015 2nd Avenue, #405, Boynton Beach, FL 33426
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556 SW 24th Ave, Boynton Beach, FL 33435
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Learn about insurance coverage options specific to Boynton Beach residents.
Home insurance in Boynton Beach costs $3,600-$4,000/year. Learn about hurricane deductibles, flood coverage, and wind mitigation savings for Florida coastal homes.
General Insurance EducationComplete guide to insurance in Boynton Beach, FL. Learn about Florida's no-fault auto laws, PIP requirements, coastal homeowners coverage, and flood insurance.
Car InsuranceBoynton Beach drivers pay $407/month for car insurance. Learn why rates are high in Palm Beach County and how bundling, senior discounts, and telematics save you money.
Car InsuranceBoynton Beach auto insurance averages $407/month. Learn about Florida's no-fault PIP requirements, uninsured motorist risks, and how to save money.
Home insurance in Boynton Beach typically costs $3,600-$4,000 per year, significantly higher than the national average of around $2,400. The higher cost reflects Boynton Beach's location in hurricane-prone Palm Beach County along the Atlantic coast. Your actual premium depends on your home's age, construction type, proximity to water, coverage limits, deductible choices, and wind mitigation features.
A hurricane deductible is a percentage of your home's insured value that you pay out-of-pocket before insurance coverage begins after hurricane damage. In Florida, these deductibles typically range from 2% to 10% of your dwelling coverage. For example, on a $300,000 home with a 2% deductible, you'd pay the first $6,000 of hurricane damage yourself. The good news is this deductible only applies once per calendar year, even if multiple hurricanes cause damage.
Yes, you should strongly consider flood insurance even outside designated high-risk zones. In Boynton Beach, 35% of flood insurance claims occur in areas outside the mapped floodplain, meaning properties considered "low risk" still flood regularly. Standard homeowners policies don't cover any flood damage, whether from storm surge, heavy rainfall, or overflow. Flood insurance averages around $700 annually in Boynton Beach and provides crucial protection that your regular home policy simply doesn't include.
The most impactful wind mitigation features include impact-resistant windows and doors, hurricane shutters, hurricane-rated garage doors, and properly reinforced roof-to-wall connections that meet Florida Building Code standards. These features can reduce your windstorm insurance premium by up to 50%. To qualify for discounts, you'll need a licensed inspector to complete Florida's Uniform Mitigation Verification Inspection Form documenting your home's wind-resistant features, which typically costs $75-$150.
After years of steep increases, the Florida insurance market is stabilizing with smaller rate hikes expected in 2025. Premiums increased by about 14% in 2024 compared to 20-30% annual increases in previous years. The relatively quiet 2024 hurricane season for South Florida means insurers likely won't impose another massive rate spike. While you shouldn't expect prices to drop significantly, the dramatic year-over-year increases appear to be slowing as the market recovers from recent hurricane losses.
In Florida, windstorm coverage and hurricane coverage are essentially the same thing—they both protect your home from wind damage caused by tropical storms and hurricanes. This coverage is typically included in your standard homeowners policy but subject to a separate percentage-based hurricane deductible. Some coastal areas may require separate windstorm policies, but in Boynton Beach, wind damage is usually covered as part of your regular homeowners insurance with that special hurricane deductible applying when a named storm causes the damage.
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