A & E Insurance Agency Of The Treasure Coast
2400 SE Veterans Memorial Parkway, Port St. Lucie, FL 34952
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Port St Lucie households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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2400 SE Veterans Memorial Parkway, Port St. Lucie, FL 34952
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1034 SW Bayshore Boulevard, Port St. Lucie, FL 34983
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455 NW Prima Vista Blvd, Port St. Lucie, FL 34983
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1101 SE Port St Lucie Blvd, Port St Lucie, FL 34952
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1101 SE Port St. Lucie Blvd, Port St. Lucie, FL 34952
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145 NW Central Park Plaza, Suite 105, Port St Lucie, FL 34986
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1214 SW Gatlin Blvd, Unit 101, Port St Lucie, FL 34953
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Port St. Lucie, FL (mailing/service area), Port St. Lucie, FL 34953
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951 SW Country Club Dr, Port St. Lucie, FL 34986
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1820 SE Port St Lucie Blvd, Port St Lucie, FL 34952
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Learn about insurance coverage options specific to Port St Lucie residents.
Port St Lucie insurance costs $2,070/year for auto and $3,920-5,533 for homeowners. Learn about flood coverage, local rates, and how to save on Treasure Coast insurance.
Home InsuranceHome insurance in Port St. Lucie costs $2,500-$3,800/year. Learn about hurricane deductibles, wind mitigation savings, flood zones, and how to lower your rates.
Car InsurancePort St. Lucie drivers pay $2,070/year for full coverage—below Florida's average. Learn how to save 40%+ with bundling, telematics, and safe driver discounts.
General Insurance EducationComplete insurance guide for Port St. Lucie, FL: understand Florida's no-fault auto insurance, navigate rising homeowners costs, and save on flood coverage.
Car InsurancePort St. Lucie auto insurance averages $2,400-$2,700/year. Learn about Florida's no-fault PIP requirements and find the best rates from 14+ local agencies.
Port St Lucie faces significant hurricane and wind damage risk due to its location on Florida's Atlantic coast. Insurance companies price policies based on historical claims data and catastrophic risk modeling, and coastal areas simply cost more to insure. Additionally, Florida's insurance market has seen multiple carrier exits and rate increases following major hurricanes, which drives up costs across the board. Rates in St. Lucie County increased 38% between 2022 and 2024 alone.
Yes, it's strongly recommended. About 25% of flood insurance claims come from moderate-to-low-risk areas, and Port St Lucie has multiple bodies of water—including the St. Lucie River—that can overflow during heavy rainfall or tropical storms. Standard homeowners insurance doesn't cover flood damage at all, so without a separate flood policy, you'd pay out of pocket to repair water damage. Given that flood insurance is relatively affordable outside high-risk zones and has a 30-day waiting period, buying coverage before you need it makes financial sense.
The most effective strategy is to shop around—rates vary dramatically between carriers, from $61 to $135 monthly for similar coverage. Beyond that, maintain a clean driving record, improve your credit score (Florida insurers weigh credit heavily), bundle your auto and home policies with the same carrier, increase your deductibles, and ask about discounts for safety features like anti-lock brakes and anti-theft devices. Many insurers also offer usage-based programs that track your driving and reward safe habits with lower premiums.
Local agents understand Port St Lucie's specific risks and can explain nuances like which neighborhoods have higher flood risk, which carriers are stable in the Florida market, and how to structure coverage to avoid gaps between your homeowners and flood policies. They can also help you navigate Florida's challenging insurance market, including whether Citizens Property Insurance is your best option or just a temporary solution. When rates spike or carriers stop renewing policies after a hurricane, a local agent can quickly move your coverage to a better option.
Port St Lucie participates in FEMA's Community Rating System, which recognizes communities that exceed minimum floodplain management standards. Because the city has implemented additional flood protection measures, Port St Lucie residents receive a 10% discount on National Flood Insurance Program premiums. This applies automatically to anyone who buys NFIP flood insurance in the city, saving residents roughly $100-200 annually depending on their coverage level. It's one small way the city's proactive flood management reduces insurance costs for homeowners.
Wind damage from hurricanes is typically covered by your standard homeowners insurance policy, while flood damage requires a separate flood insurance policy. This distinction matters because a hurricane can cause both types of damage—wind tears off your roof while storm surge floods your first floor—but only one policy will pay for each. Your homeowners policy covers the roof damage, while your flood policy covers water damage from rising water. This is why most Port St Lucie homeowners need both policies to be fully protected during hurricane season.
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