Brightway Insurance
55 Plaza Drive, Suite 5, Palm Coast, FL 32137
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Palm Coast households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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55 Plaza Drive, Suite 5, Palm Coast, FL 32137
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4873 Palm Coast Pkwy NW, Unit 1, Palm Coast, FL 32137
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4 Office Park Dr, Suite 3C, Palm Coast, FL 32137
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9 Westmount Ln, Palm Coast, FL 32164
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3 Cypress Branch WY, Suite 101, Palm Coast, FL 32164
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3 Cypress Branch Way, Ste 101, Palm Coast, FL 32164
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25 Old Kings Rd N, Ste 3B, Palm Coast, FL 32137
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Learn about insurance coverage options specific to Palm Coast residents.
Complete insurance guide for Palm Coast, Florida covering auto rates, flood insurance ($350 avg), homeowners coverage, and local agencies in Flagler County.
Home InsurancePalm Coast homeowners pay $3,500-6,000 yearly for insurance. Learn about canal property coverage, flood insurance, and wind mitigation discounts.
Car InsuranceLearn about Palm Coast auto insurance requirements, costs, and Florida's no-fault system. Compare rates starting at $112/month and get the coverage you need.
It depends on your location and mortgage status. If you're in a high-risk FEMA flood zone with a mortgage, your lender will require it. Florida's 2025 reforms now also require flood insurance for Citizens windstorm policyholders in high-risk zones even without a mortgage. Even if not required, flood insurance is worth considering since Palm Coast's average premium of $350 is significantly lower than the state average, and standard homeowners policies don't cover any flood damage.
Florida ranks among the top five most expensive states for auto insurance due to several factors: high rates of uninsured drivers, frequent severe weather and hurricane risk, mandatory personal injury protection (PIP) requirements, and elevated insurance fraud. The good news is that 2025-2026 reforms are bringing relief, with 83 rate-decrease filings taking effect in January 2026.
Homeowners insurance covers wind damage, fire, theft, and liability but specifically excludes flood damage. Flood insurance is a separate policy that covers water damage from flooding, storm surge, and heavy rainfall. In Palm Coast, you need both to be fully protected since hurricanes can cause both wind damage (homeowners) and flooding (flood insurance).
Palm Coast residents pay an average of $350 annually for flood insurance, well below Florida's $878 state average. Your specific cost depends on your FEMA flood zone: moderate-risk zones typically pay $500-$700 annually, high-risk inland zones pay $1,000-$2,000, and high-risk coastal zones can exceed $2,000. Check your property's flood zone on the City of Palm Coast's Flood Insurance Rate Maps for accurate quotes.
Local independent agents offer advantages in Florida's complex insurance market—they understand Flagler County flood zones, know which carriers are competitive in your zip code, and can explain how recent state reforms affect you. Since they represent multiple companies, they can shop your coverage across carriers. However, comparing both local agent quotes and direct online quotes often yields the best rates.
With Palm Coast's median age of 50.8 years, retirees should review Medicare Supplement or Medicare Advantage plans to cover gaps in Medicare, consider final expense or whole life insurance for end-of-life costs and estate planning, evaluate long-term care insurance to protect assets from nursing home expenses, and maintain adequate homeowners and auto coverage. Consulting with an agent who specializes in senior insurance helps you make informed decisions.
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