Acro Insurance
601 N Congress Ave, Suite 440, Delray Beach, FL 33445
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601 N Congress Ave, Suite 440, Delray Beach, FL 33445
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601 N Congress Ave, Ste. 440, Delray Beach, FL 33445
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702 NE 3rd Ave, Delray Beach, FL 33444
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601 N Congress Avenue, Suite 434, Delray Beach, FL 33445
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1686 S FEDERAL HWY, STE 328, Delray Beach, FL 33483
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100 E Linton Blvd, Suite 402B, Delray Beach, FL 33483
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275 George Bush Blvd, Delray Beach, FL 33444
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64 NE 5th Ave, Delray Beach, FL 33483
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64 N.E. 5th Ave, Delray Beach, FL 33483
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1690 S Congress Ave, Suite 101, Delray Beach, FL 33445
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Learn about insurance coverage options specific to Delray Beach residents.
Delray Beach home insurance costs $3,600-4,200/year. Learn about hurricane deductibles, flood requirements, and wind mitigation discounts to save up to 40%.
Car InsuranceDelray Beach drivers pay $3,482/year for car insurance—$79 above the national average. Learn why rates are high and how to save up to 40% with discounts.
General Insurance EducationComplete Delray Beach insurance guide: new 2024 flood maps, Florida no-fault auto, hurricane deductibles, Citizens requirements. Protect your Palm Beach property.
Car InsuranceDelray Beach auto insurance averages $3,200/year. Learn about Florida's no-fault PIP requirements, uninsured driver risks, and how to save on coverage.
Home insurance in Delray Beach typically ranges from $3,600 to $4,200 per year for a standard single-family home, with coastal properties near the beach paying toward the higher end or above. This is significantly higher than the national average due to hurricane risk and coastal location. Your actual premium depends on your home's age, construction type, proximity to the ocean, and wind mitigation features.
Flood insurance is required if you have a federally backed mortgage and your property is in a high-risk flood zone (Zone A or Zone V). Updated FEMA flood maps effective December 2024 added about 5,800 Palm Beach County parcels to special flood hazard areas. Even if not required, flood insurance is highly recommended for Delray Beach homes since standard homeowners policies don't cover any flood damage, including flooding from hurricanes.
A hurricane deductible is a percentage of your dwelling coverage amount (typically 1-5%) that you pay out of pocket before insurance coverage begins for hurricane damage. Unlike a standard deductible with a fixed dollar amount, this percentage can mean substantial costs—a 2% deductible on a $500,000 home equals $10,000 out of pocket. Coastal properties within 1,500 feet of the Atlantic often face separate hurricane deductibles and may need separate windstorm coverage.
Wind mitigation features provide the biggest savings, reducing premiums by 10-40% through upgrades like hurricane straps, impact-resistant windows, and reinforced roofs. Get a wind mitigation inspection (around $100) to document your home's features and identify improvement opportunities. The My Safe Florida Home program offers grants up to $10,000 for hurricane mitigation upgrades. Also shop multiple insurers annually, bundle policies, and consider raising your standard deductible.
Standard homeowners insurance covers hurricane wind damage, but properties within 1,500 feet of the ocean may need separate windstorm coverage. You'll face a separate hurricane deductible (1-5% of dwelling coverage). Importantly, flood damage from hurricanes is never covered by homeowners insurance—you need a separate flood policy. Make sure you understand what specific coverages your policy includes and what requires additional policies.
After years of dramatic increases, Florida's insurance market stabilized in 2024-2025 with only a 1% rate increase—the smallest since 2019. Twenty-nine insurers filed for rate decreases and 44 requested no changes, signaling improved market conditions. While Delray Beach rates remain significantly higher than the national average due to coastal hurricane risk, the trend of skyrocketing annual increases has stopped, and more carrier competition is creating better options for homeowners.
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