Worth Insurance
777 S Flagler Dr, #800W, West Palm Beach, FL 33401
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West Palm Beach households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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777 S Flagler Dr, #800W, West Palm Beach, FL 33401
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to West Palm Beach residents.
The average homeowners insurance premium in West Palm Beach is $8,397 per year, significantly higher than the Florida state average. Coastal and waterfront properties typically pay $4,200-$4,800 annually, while inland neighborhoods average $3,500-$4,000. Your actual rate depends on your home's location, age, roof condition, and coverage limits.
Yes, standard homeowners insurance does not cover flood damage, and approximately 80% of West Palm Beach properties are in flood zones requiring separate coverage. Flood insurance through NFIP averages $776-$1,000 annually, but West Palm Beach's CRS Class 5 rating provides a 25% discount. If you have a federally-backed mortgage in a high-risk flood zone, your lender will require you to purchase flood insurance.
A hurricane deductible is a separate, higher deductible that applies only when a named hurricane causes damage to your property. In Florida, hurricane deductibles typically range from $6,000 to $15,000, much higher than your standard policy deductible. This amount comes out of your pocket before insurance coverage begins for hurricane-related claims.
Many Florida insurers won't cover homes with roofs older than 15-20 years, and those that do often only provide actual cash value coverage, which factors in depreciation. A newer roof, especially one with impact-resistant materials, can lower your premium by hundreds of dollars annually and may qualify for up to 20% in discounts. In hurricane-prone areas, roof condition is one of the biggest factors insurers consider when determining rates.
Shop around with at least five insurers, as rates vary significantly. Install hurricane shutters, impact-resistant windows, or upgrade to an impact-resistant roof to earn substantial discounts. Consider raising your standard deductible if you have adequate savings, bundle your home and auto policies, and install security systems or smart home devices. Working with an independent agent who knows the Florida market can also help you find the best combination of coverage and savings.
Yes, waterfront and coastal properties in West Palm Beach pay approximately $700-$800 more per year in homeowners insurance compared to inland homes due to increased wind exposure and storm surge risk. Additionally, waterfront properties typically face higher flood insurance premiums. The total annual difference between coastal and inland properties can exceed $1,000 when factoring in both homeowners and flood insurance.
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