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409 E Hillsboro Blvd, Deerfield Beach, FL 33441
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Deerfield Beach households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
409 E Hillsboro Blvd, Deerfield Beach, FL 33441
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3700 W Hillsboro Blvd, Deerfield Beach, FL 33442
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1613 SE 3 CT, Deerfield Beach, FL 33441
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2745 W Hillsboro Blvd, Ste 6, Deerfield Beach, FL 33442
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113 NE 2nd Ave, Deerfield Beach, FL 33441
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2265 B West Hillsboro Blvd, Deerfield Beach, FL 33442
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700 W Hillsboro Blvd, Deerfield Beach, FL 33441
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350 Fairway Dr, #110, Deerfield Beach, FL 33441
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660 E. Hillsboro Blvd, Suite 105, Deerfield Beach, FL 33441
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662 S Military Trl, Deerfield Beach, FL 33442
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Learn about insurance coverage options specific to Deerfield Beach residents.
Deerfield Beach home insurance averages $13,119/year. Learn how beach proximity, wind mitigation, and flood coverage affect your rates and how to save.
Home InsuranceDeerfield Beach home insurance costs $2,600-$4,200/year. Learn about hurricane deductibles, flood coverage, and wind mitigation discounts to save money.
Car InsuranceDeerfield Beach drivers pay $346/month for car insurance. Learn why rates are high and discover bundling, safe driver, and telematics discounts that save 40%+.
General Insurance EducationComplete insurance guide for Deerfield Beach residents. Understand PIP requirements, flood zones, condo coverage, and hurricane protection for your property.
Renters InsuranceDeerfield Beach renters insurance averages $8-28/month. Learn about hurricane coverage, flood insurance requirements, and condo policies for coastal FL.
Car InsuranceDeerfield Beach auto insurance averages $346/month. Learn about Florida's no-fault PIP requirements, uninsured motorist coverage, and how to save.
Homeowners insurance in Deerfield Beach averages around $13,119 annually, or about $1,093 per month. Individual policies can range from $7,276 to $18,914 depending on factors like your distance from the beach, home age, construction type, and wind mitigation features. Beachfront properties typically pay significantly more than inland homes.
Yes, flood insurance is essential in Deerfield Beach and is not covered by standard homeowners policies. The average flood insurance policy costs around $700 per year, though your rate depends on your flood zone and elevation. Deerfield Beach participates in FEMA's Community Rating System, which provides automatic discounts of 5-10% on flood insurance premiums.
A wind mitigation inspection is a certified evaluation of your home's wind-resistant features like hurricane shutters, reinforced roofing, and impact windows. The inspection costs about $100 and can qualify you for discounts up to 90% on the windstorm portion of your premium, potentially saving thousands of dollars annually. The inspection is valid for five years and is one of the most effective ways to reduce coastal insurance costs.
HO-6 condo insurance in Deerfield Beach typically costs between $240 and $600 annually ($20-$50 per month), with coastal locations trending toward the higher end. This policy covers your personal belongings, interior improvements, liability, and at least $2,000 in loss assessment coverage as required by Florida law. The exact cost depends on your coverage limits, location, and the extent of your condo association's master policy.
Absolutely. Your proximity to the ocean is one of the biggest factors affecting your premium in Deerfield Beach. Properties directly on the beach can cost $5,000 or more annually than similar homes just a few blocks inland due to higher flood and wind risk. FEMA's Risk Rating 2.0 system evaluates each property individually based on elevation and proximity to water, meaning even houses on the same street can have different rates.
The most effective strategy is getting a wind mitigation inspection, which can reduce your windstorm coverage by up to 90%. Additionally, shop quotes from at least three carriers annually, bundle home and auto policies, increase your deductible if you have emergency savings, and ask about discounts for security systems, being claims-free, or age-related benefits. Combining these strategies can reduce your total insurance costs by 30% or more.
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