5 Best West Palm Beach Homeowners Insurance Companies (2025)
State Farm, Armed Forces Insurance, and Nationwide offer some of the best homeowners insurance policies in West Palm Beach, Florida.
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West Palm Beach homeowners pay an average of $14,388 annually for $300,000 in dwelling coverage with a $1,000 deductible. This is significantly higher than Florida’s average homeowners rate for the same coverage, at $5,640 per year.
Located on Florida’s Atlantic coast, West Palm Beach has a high risk of flooding, hurricanes, and extreme heat, which tends to drive up home insurance prices.
But you can still lock in affordable insurance coverage in West Palm Beach if you shop around and compare quotes from several companies. Here’s what you need to know about homeowners insurance in Orchid City.
Quick Facts
State Farm, Armed Forces Insurance, and Nationwide offer the cheapest home insurance rates in West Palm Beach.
On average, you’ll pay $14,477 per month for a West Palm Beach home insurance policy with $300,0000 in dwelling coverage.
Home insurance premiums in West Palm Beach are higher than in Jacksonville, Tampa, and Naples but lower than in Miami, Key West, and Fort Lauderdale.
Best home insurance companies in West Palm Beach
Many insurance companies serve homeowners in West Palm Beach. The best insurance company for you depends on your unique needs and situation. You can start comparing your insurance options with the following three companies.
Cheap rates: State Farm
Best insurer for veterans: Armed Forces Insurance
Nearly 5,000 veterans live in West Palm Beach, according to U.S. Census Bureau data. If you’re a veteran or active-duty military member, Armed Forces Insurance coverage is worth exploring. You can choose from a long list of optional coverages for floods, earthquakes, water backup, identity theft, animal liability, and more.
Pros
Hurricane-mitigation discount for Florida homeowners
Free resources to veterans with post-traumatic stress disorder
New-roof and new-home credits available
Cons
Available only to military personnel and eligible family
No agents in West Palm Beach
Not rated by J.D. Power for customer satisfaction
Best insurer for homeowners in gated communities: Nationwide
Security First Insurance: Best for customization
Security First Insurance is one of the largest insurers in Florida. It offers a variety of coverage options, including the Premier plan for high-value homes, and add-ons such as scheduled personal property, golf cart physical damage liability, identity theft protection, and dog liability. In addition, MarketWatch named the insurance company No. 1 for hurricane insurance.
Pros
Quotes available online
Save up to 40% for wind-mitigation features
Google rating of 4.3 out of 5
Cons
No AM Best financial strength rating
Customer service complaints on Better Business Bureau (BBB)
No bundling discount
Citizens Property Insurance Corporation: Best insurer for people who don’t qualify for other coverage
If you can’t lock in a home insurance policy with a private insurer, Citizens Property Insurance Corporation might be a good option.
The company’s depopulation program can protect you from substantial premium hikes. It states that if a private insurance company offers you comparable coverage that’s no more than 20% more than your Citizens rate, you’ll be required to switch to the new insurer and end your coverage with Citizens.
Pros
Created for Florida homeowners with limited or no insurance options
Offers stand-alone wind coverage
Agents in West Palm Beach
Cons
Higher-than-average premiums
Few available add-ons
Must work with agent to finalize coverage
Our editorial team analyzed regional and national home insurance companies that sell policies in West Palm Beach to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
How much is home insurance in West Palm Beach?
The average cost of homeowners insurance in West Palm Beach is $14,388 per year for $300,000 in dwelling coverage.
Many factors affect the price of your policy, such as your home’s size and location, its age and construction, the value of your personal belongings, and your desired coverage level.[?]
Compared to the Florida average of $470 per month for home insurance, costs in West Palm Beach are much higher.
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Cheapest home insurance companies in West Palm Beach
Below, you’ll find the cheapest home insurers in West Palm Beach.
Insurance Company  | Average Annual Premium |
|---|---|
| State Farm | $4,970 |
| Nationwide | $5,213 |
| Security First | $6,897 |
| American Integrity | $7,500 |
| Armed Forces | $7,895 |
| Florida Peninsula | $8,341 |
| ASI | $8,497 |
The state of home insurance in Florida
Owning a home in Florida comes with many benefits. But it’s also risky due to the likelihood of extreme weather events such as hurricanes, floods, and tropical storms, and the potential damage to your property and personal belongings.
Florida homeowners pay the highest home insurance rates in the U.S., and costs will likely continue to increase to an annual average of $15,460 by the end of 2025, according to an Insurify report. In addition to expensive premiums, Floridians have fewer home insurance options than residents of other states.
This is because many insurance companies, including State Farm, Progressive, and Farmers, have either limited their coverage in the Sunshine State or voluntarily stopped offering it altogether.
How much homeowners insurance do you need in West Palm Beach?
Getting the right amount of homeowners insurance is important to protect your assets in the event of a disaster. Consider the following as you determine the ideal amount of home insurance for your West Palm Beach home.[?] [?]
Dwelling coverage: Ensure you have enough dwelling coverage to rebuild your home. If you have a mortgage on your property, your lender might require you to buy additional coverage that allows you to repay your loan.
Personal property: Create a home inventory list of your personal property so you understand how much it’ll cost to replace. If you own jewelry, collectibles, or other high-value items, you might want to consider purchasing higher limits.
Actual cash value and replacement cost: Actual cash value (ACV) is cheaper than replacement cost coverage, but it considers depreciation and only covers the current value of your possessions. While replacement cost is more expensive, your claim payout will be enough to replace your items, no matter their current value.
Flood insurance: In an area like West Palm Beach, additional coverage for flooding may be worthwhile, as standard home insurance won’t cover it. If you live in a high-risk flood zone, you’ll likely have to carry flood insurance.
What to know about home insurance in West Palm Beach, FL
As a homeowner in West Palm Beach, you should get a good grasp of a few risks and natural disasters that may affect your home, including:
Home insurance coverage for hurricanes and flooding
West Palm Beach, like other parts of Florida, is prone to extreme weather events like floods and hurricanes, so it’s important to be prepared. Since standard home insurance typically excludes flood damage, you may need to invest in a stand-alone flood policy to protect your home from flooding.
You can buy flood insurance from a private insurance company or the National Flood Insurance Program (NFIP) run by the Federal Emergency Management Agency (FEMA). You might also want to consider windstorm insurance as an add-on or stand-alone plan, as most policies omit it or offer only minimal coverage.
While a standard home insurance policy will likely include hurricane protection, you’ll need to pay a hurricane deductible after a covered claim. Your hurricane deductible will be anywhere between 1% and 10% of your home’s insured value and only applies to hurricane-related damage.[?]
How to get home insurance in West Palm Beach
Follow these steps to secure the best policy for your West Palm Beach home:
Decide how much coverage you want. First, figure out how much home insurance you’d like to buy. You’ll want to make sure you have enough to rebuild your home and replace your personal belongings. Don’t forget to consider additional coverage, such as flood insurance or windstorm insurance.
Collect property details. Gather specific information about your home, as you’ll need it to obtain quotes and apply for a policy. You’ll want to know when your property was built, its square footage, the type and age of your roof, and any safety devices you have.
Get home insurance quotes. Compare home insurance quotes from at least three different companies. Pay attention to rates, insurer reputation, financial strength, discounts, and policy details. You can use an insurance-comparison site or work with an agent.
Consider the FAIR Plan. If a private home insurance company denies you coverage, you might be eligible for the Fair Access to Insurance Requirements, or FAIR, Plan. This is common for homes in high-risk areas. Visit FMAP.org for more information.
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Average cost of home insurance in other cities in Florida
Your location, including your ZIP code, influences how much you pay for home insurance. This is due to variances in weather, crime rates, and proximity to fire stations. For example, you’ll pay higher rates if you live somewhere with a high hurricane risk.
The table below shows how rates in West Palm Beach compare to other cities in Florida for $300,000 in dwelling coverage and a $1,000 deductible.
City | Average Annual Premium |
|---|---|
| Tallahassee | $3,307 |
| Jacksonville | $4,245 |
| Pensacola | $5,577 |
| Orlando | $5,960 |
| Tampa | $6,440 |
| Sarasota | $6,826 |
| Cape Coral | $8,961 |
| Naples | $9,319 |
| Port St. Lucie | $13,157 |
| West Palm Beach | $14,388 |
| Hollywood | $14,464 |
| Fort Lauderdale | $17,112 |
| Miami | $17,208 |
| Hialeah | $18,365 |
| Key West | $22,715 |
West Palm Beach homeowners insurance FAQs
If you own a home in West Palm Beach, it’s important to understand the risks your home faces and ensure you have the coverage you need. Below, you’ll find answers to common questions about homeowners insurance in West Palm Beach.
The average cost of home insurance in West Palm Beach is $14,388 per year for $300,000 in dwelling coverage. Since the area is prone to hurricanes and flooding, you might also want to buy flood insurance through the NFIP or a private insurance company.
State Farm offers the lowest average premiums for home insurance in West Palm Beach. Its average annual rates are $4,970 for a policy with $300,000 in dwelling coverage.
The best home insurer in West Palm Beach depends on your unique situation. If you live in a gated community, for example, Nationwide might be a good option. But if you’re part of the military, Armed Forces Insurance may be your best bet. It’s a good idea to shop around and compare all your options so you can find the right company for your needs.
Natural disasters such as flooding and hurricanes, paired with inflation and rising building costs, have led to higher home insurance costs in the Sunshine State.[?] Taking the time to shop around can help you find a good deal on a policy.
According to the 80% rule, you should make sure your home is insured for at least 80% of its replacement cost. If your coverage is less than 80% of your home’s replacement value, your insurer might not cover your full claim amount.
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