How much is homeowners insurance in Boca Raton,FL

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In Boca Raton, homeowners pay an average annual rate of $6,077 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $3,573 more than the national average of $2,504.

Homeowners insurance rates change from one home to another. The home insurance premium in Boca Raton depends on various factors, such as:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Boca Raton, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Boca Raton.

Key takeaways

Homeowners insurance costs $6,077 per year in Boca Raton.
At $2,337 per year, State Farm offers the cheapest homeowners insurance in Boca Raton.
Your home insurance rates increase by $591 more annually if you increase your dwelling coverage from $200,000 to $300,000.

How much is homeowners insurance in Boca Raton per month

Residents of Boca Raton pay an average of $506 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $125 more than the state average of $381 and $297 more than the national average for home insurance across the United States.

The cost of your homeowners insurance policy in Boca Raton may change based on location, property value, and selected coverage options.

How much is homeowners insurance for a $200,000 house in Boca Raton

In Boca Raton, FL, homeowners pay an average of $5,486 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

How much is homeowners insurance for a $300,000 house in Boca Raton

As per rate analysis by Insure.com, homeowners residing in Boca Raton typically pay an average of $6,077 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $591 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Boca Raton by company

Among the carriers analyzed, State Farm is the cheapest homeowners insurance company in Boca Raton. It’s average annual rate for Boca Raton homeowners is $2,337. Amer Integrity Ins Co of FL ranks second and Travelers makes it to the third spot with an average annual home insurance rate of $2,784.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Boca Raton and prepared a list of the cheapest home insurance providers. You can find below the Boca Raton home insurance companies and their average annual premium.

Home insurance company	Annual rate
State Farm	$2,337
Amer Integrity Ins Co of FL	$2,768
Travelers	$2,784
Allstate	$2,869
Heritage Insurance Holdings	$2,958
Universal Insurance Holding	$3,221
FedNat Holding	$3,237
Citizens Property Insurance	$4,962
Nationwide	$5,160
Security First Insurance	$7,939
HCI Group Inc	$9,954
Progressive	$9,995

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Boca Raton for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.