Sihle Insurance Group
1826 14th Ave, Suite 101, Vero Beach, FL 32960
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1826 14th Ave, Suite 101, Vero Beach, FL 32960
View this agency's profile to learn more about their services.
128 43rd Ave, Vero Beach, FL 32968
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Learn about insurance coverage options specific to Vero Beach residents.
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Yes, absolutely. Standard homeowners policies exclude all flood damage, including hurricane storm surge. Most barrier island properties in Vero Beach are in mandatory flood zones requiring coverage if you have a mortgage. Even if you own outright, the risk of catastrophic flood damage makes coverage essential for any coastal Vero Beach property.
Barrier island properties typically see annual premiums of $8,000 to $12,000 for homeowners coverage, with flood insurance adding another $3,000 to $8,000 or more depending on flood zone and elevation. Mainland properties with lower exposure may see premiums of $4,000 to $7,000 for homeowners coverage. High-value estates exceeding $2 million in value often pay $15,000 to $25,000+ annually for comprehensive coverage packages.
Impact-resistant windows and doors (or approved hurricane shutters) typically provide the largest discount, often 20-30% on the wind portion of your premium. A hip roof design, proper roof-to-wall attachments like hurricane straps, and a newer roof (under 10 years old) with sealed deck can combine to reduce premiums by 35-45%. For a $10,000 annual premium, these features could save $3,500 to $4,500 annually.
It's increasingly difficult. Most Florida insurers now refuse to write new policies on roofs older than 15 years, and many have lowered that threshold to 10-12 years for coastal properties. If you're struggling to find coverage due to roof age, you'll likely need to replace the roof or accept coverage through Citizens Property Insurance, which may have somewhat more lenient age requirements but still evaluates roof condition carefully.
High-value policies from carriers like Chubb or PURE offer guaranteed replacement cost with no dollar limit, much higher sub-limits for jewelry and art, coverage for luxury features like wine cellars, and concierge claims service. Standard policies cap coverage at $1-2 million and have strict sub-limits. If your Vero Beach home exceeds $1.5 million in value or contains significant valuables, you need specialized high-value coverage.
Citizens is Florida's state-run insurer of last resort, available when you can't find affordable private market coverage. It's a legitimate option that covers over 1.3 million Florida properties, but premiums often match private rates, and policyholders face potential special assessments after catastrophic hurricane seasons. Use Citizens if necessary, but continue shopping annually for private coverage opportunities.
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