Florida Hometown Insurance
2740 SW Martin Downs Blvd, #261, Palm City, FL 34990
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2740 SW Martin Downs Blvd, #261, Palm City, FL 34990
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901 SW Martin Downs Blvd, STE 200D, Palm City, FL 34990
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2541 SW Estella Ter, Palm City, FL 34990
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3652 SW 30th Ave, Palm City, FL 34990
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3625 SW 30th Ave, Palm City, FL 34990
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1010 SW Martin Downs Blvd, Palm City, FL 34990
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Learn about insurance coverage options specific to Palm City residents.
Palm City insurance guide covering auto, home, and flood coverage. Learn about Martin County's flood zones, Treasure Coast rates, and local agents.
Home InsurancePalm City homeowners pay $6,000+ annually for waterfront coverage. Learn about hurricane deductibles, flood zones, and Martin County insurance requirements.
Car InsuranceGet the facts on Palm City auto insurance. Florida's no-fault system ends July 2026. Learn current PIP requirements, new bodily injury rules, and costs.
Yes, you should strongly consider it. One in three flood insurance claims come from moderate- to low-risk areas, and Martin County's coastal location creates flooding risk even away from the river. If you have a mortgage and live in a high-risk zone, your lender will require it. Even if you're not required to buy flood insurance, the financial protection it provides far outweighs the cost, especially given Palm City's proximity to water.
Martin County's Class 5 rating in the Community Rating System provides significant premium discounts on flood insurance. Residents in Special Flood Hazard Areas receive a 25% discount on their NFIP flood insurance premiums, while those in moderate-risk zones get a 10% discount. This rating reflects Martin County's proactive flood management efforts and directly saves residents money on their flood insurance costs.
No, the minimums are dangerously low. Florida requires only $10,000 in PIP and $10,000 in property damage liability, but average collision repairs now exceed $18,000 and intensive care costs about $4,300 per day. If you cause a serious accident with minimum coverage, you're personally liable for costs beyond those limits. Consider increasing property damage liability to at least $50,000 and adding bodily injury coverage voluntarily.
Get a wind mitigation inspection to document protective features like impact windows, storm shutters, and roof upgrades. These features can save you hundreds annually on premiums. Keep your roof maintained or replaced—newer roofs qualify for better rates and more carrier options. Also ask about bundling auto and home insurance for 15-25% discounts, and inquire about claims-free and loyalty discounts.
Proposed legislation may repeal Florida's no-fault PIP system and increase minimum bodily injury liability requirements to $25,000 per person and $50,000 per incident, effective July 1, 2026. Until the law changes, current requirements remain $10,000 PIP and $10,000 property damage liability. However, it's wise to purchase higher coverage limits now rather than waiting for the law to mandate them.
A local independent agent offers significant advantages in Palm City. They understand Treasure Coast-specific risks like flood zones near the St. Lucie River and hurricane exposure, know which carriers will insure homes with older roofs, and can structure coverage to avoid gaps. Local agents work with multiple carriers, giving you more options than buying online from a single company, and they provide personalized service when you need to file a claim.
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