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Best Homeowners Insurance in West Palm Beach, FL

Aug. 26, 2019, 10:05 p.m.

A home is the investment of a lifetime. By purchasing home insurance, you guarantee financial protection from losses due to fire, theft, vandalism and property-related accidents. To help you find a company offering the right kinds of coverage in South Florida, our partners at ConsumerAffairs researched the best homeowners insurance in West Palm Beach.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. WPTV may receive compensation from our partners. Learn more.

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#1
EverQuote

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EverQuote
EverQuote
Features
  • Quotes from local agents and top insurers
  • Compare the lowest rates
  • Fast and free for homeowners
  • Available in West Palm Beach
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#2
Progressive
Progressive
Features
  • #1 in online home insurance quotes
  • Additional coverage options
  • Bundle and save
  • Available in West Palm Beach
Read More
Location
420 S. State Rd. 7, Ste. 100
West Palm Beach,, FL 33414
(561) 969-7100
#3
GEICO
GEICO
Features
  • Liability coverage
  • Multi-policy discount
  • Free online quotes
  • Available in West Palm Beach
Read More
Location
884 N. Military Trl.
West Palm Beach, FL 33415
(800) 241-8098
#4
State Farm
State Farm
Features
  • Personal articles policy
  • Condo unit insurance
  • Free online quotes
  • Available in West Palm Beach
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Location
480 Hibiscus St., Ste. 103
West Palm Beach, CA 33401
(661) 324-8700
#5
Wiglesworth-Rindom Insurance Agency
Wiglesworth-Rindom Insurance Agency
Features
  • Full-service insurance
  • Independent local agency
  • Award-winning customer service
  • Community-minded company
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Location
5300 W Atlantic Ave., Ste 604
Delray Beach, FL 33484
(561) 637-2424
#6
Myers Insurance Agency
Myers Insurance Agency
Features
  • Full service with coverage
  • Fully licensed & A-rated
  • Bundling options
  • Personalized concierge service
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Location
703 S. Federal Hwy.
Pompano Beach, FL 33062
(954) 784-9029
Harbour Insurance Agency
Harbour Insurance Agency
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • harbourinsuranceagency.com
Location
580 Village Blvd., Ste. 2151
West Palm Beach, FL 33409
(561) 623-6150
Rivard Insurance Agency
Rivard Insurance Agency
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • rivardinsurance.com
Location
1014 Gateway Blvd., Ste.107
Boynton Beach, FL 33426
(661) 327-9731
Brightway West Palm Beach
Brightway West Palm Beach
Features
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • brightway.com/agencies/FL/West-Palm-Beach/0010
Location
4418 Forest Hill Blvd.
West Palm Beach, FL 33406
(561) 649-8000
GreatFlorida Insurance
GreatFlorida Insurance
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • boyntonbeach.greatflorida.comm
Location
1301 W. Boynton Beach Blvd., Ste. 8
Boynton Beach, FL 33426
(561) 336-3433
Absolute Insurance Inc.
Absolute Insurance Inc.
Features
  • M-F: 9am - 5pm
  • Sat 9am - 5pm
  • Closed Sun
  • absoluteinsuranceinc.com
Location
521 Lake Ave., Ste. 11
Lake Worth, FL 33460
(561) 586-9192
A&J Insurance Services
A&J Insurance Services
Features
  • M-F: 9am - 6pm
  • Sat: 11am - 3pm
  • Closed Sun
  • anjinsurance.com
Location
807 Lucerne Ave., East Unit
Lake Worth, FL 33460
(561) 586-4955

How to choose homeowners insurance in West Palm Beach

West Palm Beach skyline

On most days, West Palm Beach is a tropical paradise and a perfect place to own your dream home. But Florida is vulnerable to powerful hurricanes and other destructive weather that puts houses at risk.

That, combined with above-average crime rates, is part of the reason having homeowners insurance in West Palm Beach is critical. It’s also usually required if you have a mortgage.

If your house is damaged or personal belongings are stolen, a homeowners policy compensates you for the loss. When shopping for homeowners insurance in Florida, you’ll likely see two main types of packages offered:

  • HO-2, or broad form policy, names the “perils,” or risks that might cause loss of your home or personal property.
  • HO-3, or special form policy, is the most popular, listing only specific exclusions from coverage.

Each policy comes standard with personal liability coverage, which protects you against a claim or lawsuit if you are found responsible for an injury on the property, or if you or a family member cause damage to someone else’s property.

How much is homeowners insurance in West Palm Beach?

Homeowners insurance in Florida costs more than in any other U.S. state. Your premiums depend on types and amounts of coverage, the age and building materials of the home, claims history, credit score and the deductible. Your location in or near West Palm Beach also matters.

Average home insurance rates in West Palm Beach

Neighborhood Dwelling $200,000 Dwelling $400,000 Dwelling $600,000
Jupiter (33458) $5,912 $11,452 $16,891
North Palm Beach (33403) $6,493 $12,665 $18,724
West Palm Beach (33401) $6,600 $12,878 $19,043
Lake Worth (33460) $6,451 $12,590 $18,615
Boynton Beach (33436) $6,099 $11,887 $17,562
Based on dwelling coverage above with a constant $1,000 deductible and $100,000 liability.

When purchasing homeowners insurance in West Palm Beach, be sure you’re taking advantage of all available discounts. You can save money by insuring a home and vehicle with the same company, having smoke detectors and a security system, using impact-resistant roofing materials or being a new homeowner.

Also, be sure to ask about purchasing flood insurance, which is excluded from most standard policies, and sinkhole coverage, which is different from the catastrophic ground cover collapse inclusion required in all policies.

Progressive

Progressive

Progressive is a popular choice nationwide for homeowners insurance. Customers can use the company’s HomeQuote Explorer, which lets you compare coverages and prices from multiple companies. Get a quote online or call for advice from one of Progressive’s agents. Discounts are available for bundling homeowners insurance with an auto policy and purchasing in advance. Reviewers say they feel safe with Progressive home insurance.

GEICO

GEICO

GEICO provides affordable homeowners insurance for residents of West Palm Beach and across the country. Get a quote online and learn about the many different ways to save, such as having smoke alarms, using home security systems or purchasing multiple policies. Customers appreciate GEICO’s competitive rates and fast claims processing.

State Farm

State Farm

State Farm is a one the leading home insurance companies in West Palm Beach. The company’s website has plenty of great resources to learn about coverage options and get answers to common questions. Get a quote online, or call to get more information about the many discounts, like for pairing auto insurance with a homeowners policy. According to reviews, many customers are satisfied with the pricing and the service from local State Farm agents.

Wiglesworth-Rindom Insurance Agency

Wiglesworth-Rindom Insurance Agency

As a full-service, local, independent insurance agency, Wiglesworth-Rindom specializes in finding the best prices and policies for each client. West Palm Beach residents get an educational coverage review from their own personal licensed agent, and the company handles claims on behalf of policyholders. Wiglesworth-Rindom gets near-perfect reviews from customers for its ability to find strong coverage at affordable prices.

Myers Insurance Agency

Myers Insurance Agency

Myers Insurance Agency has been providing insurance solutions in South Florida since 1981. Open Monday through Saturday and available for appointments on Sundays, this company offers concierge service and top-rated homeowners policies at competitive prices. Get a quick quote by filling out information online and start to learn why residents in the West Palm Beach area speak so highly of Myers Insurance Agency.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.