Best Homeowners Insurance in Port St. Lucie, FL (2023 Rates& Quotes)

Nationwide is the top choice overall for several reasons. Firstly, they have a strong financial stability with an impressive A+ rating from AM Best. Customers also give them high satisfaction ratings online, showing that they can be trusted. Another advantage is that Nationwide has many agents in South Florida, so you can get personalized help. Plus, their rates are competitive, making them a great option.

What makes Nationwide special is their comprehensive standard home insurance policy. It includes unique coverages that other insurers might not offer. For example, they reimburse you for credit card fraud and cover the costs of meeting stricter building codes if you need to rebuild.

Moreover, Nationwide lets you customize your policy with add-ons. One option is Better Roof Replacement, which pays for upgraded roofing materials if your roof is damaged. Another valuable add-on is Brand New Belongings, which gives you replacement cost coverage for your personal belongings. If anything is damaged or lost, you can submit receipts to Nationwide and they’ll reimburse you for the price difference.

Convenience is important to Nationwide. You can buy home insurance from them in multiple ways: by talking to a local agent, over the phone, or online. They also have a user-friendly website and mobile app where you can easily file and track claims, make payments, and make changes to your policy.

Nationwide’s average cost for home insurance in Port St. Lucie: $120/month

USAA is a strong contender for the title of Best Overall, coming in a close second place. However, it’s important to note that USAA is exclusively available to military members and their families. Despite this limitation, USAA is highly regarded and trustworthy.

Back in 1922, 25 Army officers came together to create USAA as a self-insurance solution for their cars. Over time, USAA expanded its offerings to include a wide range of insurance and financial products. It serves members of the U.S. armed forces, Reserve, veterans, and their families. With its headquarters in San Antonio, USAA operates satellite offices across the United States and even in international locations like London, Frankfurt, and Luxembourg.

USAA’s standard homeowners insurance policy comes with valuable features. It includes replacement cost coverage for personal belongings and specific coverage for uniforms of active-duty and deployed service members. They may also offer optional insurance for things like earthquakes and home-sharing arrangements. However, if you’re looking for additional flood insurance coverage (due to Port St. Lucie’s coastal location), you will need to get a separate flood insurance quote from NFIP.

For eligible members, USAA makes it easy to purchase insurance products. You can do it conveniently online using an active membership ID, or you can seek assistance over the phone or by visiting a local branch. USAA also provides an automated agent chatbot on its website, which allows quick access to online accounts for bill payments, policy changes, and claims management. It’s worth mentioning that USAA has an impressive A++ rating from AM Best, signifying the highest level of financial strength for insurance companies.

Average premium for USAA home insurance in Port St. Lucie: $140/month

State Farm has earned the position of our second runner-up, mainly due to its strong presence of agents in Port St. Lucie and South Florida. This is crucial because it ensures that you’ll have plenty of State Farm agents available after severe storms or hurricanes, as well as claims adjusters and claims offices right in Port St. Lucie.

State Farm offers a reliable standard homeowners insurance policy that you can personalize with additional coverages to match your specific needs. These additional coverages include protection for meeting ordinance and law requirements, safeguarding against identity theft, and insuring valuable items like jewelry.

When it comes to financial stability, State Farm boasts the highest possible rating from AM Best, an impressive A++. This rating demonstrates their strong financial strength and reliability.

State Farm gives you the option to add replacement cost coverage for your home, other structures, and personal belongings. This coverage ensures that damaged items are replaced at their current market value without considering depreciation. Without this endorsement, the replacement value is calculated based on the actual cash value of the items. However, insurance companies will not cover flood damage, so if you’re looking for flood coverage (due to Port St. Lucie’s coastal location), you will need to get a separate flood insurance quote from NFIP.

To obtain a quote from State Farm, you can start the process online. However, to purchase a homeowners insurance policy, you’ll need to work with a local agent. State Farm also provides convenient online tools and resources that allow policyholders to file claims, manage their accounts, enroll in paperless billing, and access a comprehensive resource library for more information on insurance-related topics.

Average premium for State Farm homeowners insurance in Port St. Lucie: $169/month

Tower Hill stands out as a wallet-friendly choice for home insurance in Florida. However, it’s important to note that the company doesn’t have a JD Power score for customer satisfaction and holds a B++ rating from AM Best. These factors are mainly because Tower Hill Insurance focuses primarily on Florida and only provides coverage in 16 additional states.

With Tower Hill’s home insurance, homeowners have the flexibility to customize their coverage according to their specific needs. Alongside the standard coverage for the home and personal belongings, their Typical and Prime Plus policies offer extra options called endorsements. These endorsements include extended replacement cost, water backup coverage, and personal injury coverage.

What makes Tower Hill unique are the special add-on coverage options that may be harder to find with other insurers. They offer coverage for landscaping, food spoilage, trampoline liability coverage, lock replacement, and more. Moreover, their highest-tier Spire package incorporates various optional coverages directly into the policy. However, if you’re looking for additional flood insurance coverage (due to Port St. Lucie’s coastal location), you will need to get a separate flood insurance quote from NFIP.

All in all, Tower Hill provides affordable rates for Florida homeowners. Just keep in mind their customer satisfaction score and financial strength rating when considering their coverage options.

Average Premium for Tower Hill home insurance in Port St. Lucie: $121/month

Chubb is a top choice for homeowners who want to protect their valuable assets. They offer a wide range of additional options that make them stand out. However, it’s important to note that homeowners on a budget in Port St. Lucie might find Chubb’s rates slightly higher than average.

When it comes to insuring high-value homes, Chubb excels by providing customizable coverage options. One great feature is their extended replacement cost coverage, which ensures your home can be rebuilt without financial strain if something happens.

What sets Chubb apart is their proactive approach to risk prevention. They have a program where a Chubb consultant visits your home to identify potential fire or security risks before accidents occur.

Chubb’s Masterpiece insurance policy is designed for affluent homeowners and includes unique coverage options like restoring electronic data damaged by viruses and property management services. However, insurance companies will not cover flood damage, so if you’re looking for flood insurance coverage, you will need to get a separate flood insurance quote from NFIP.

When it comes to filing claims, Chubb aims to make the process smooth. Their claims agents can provide quick claim payments, and a claim can only be denied with the approval of a manager. This ensures a hassle-free experience for policyholders.

Average premium for Chubb home insurance in Port St. Lucie: $167/month

Allstate takes the lead with an impressive lineup of 11 homeowners insurance discounts that go above and beyond the norm. They go the extra mile to give homeowners more opportunities to save and stand out from the competition.

Let’s delve into some of the exceptional discounts Allstate offers:

• Claims forgiveness: Enjoy the peace of mind that your rate won’t skyrocket after filing a claim.
• Claims-free: Stay claims-free and earn a rewarding 5% discount on your renewal each year.
• Deductible reward: Start on the right foot with a welcoming $100 deduction in your deductible when you sign up.
• Bundle up to save money: Unlock savings of up to 25% by bundling your home and car insurance with Allstate.
• Automatic payment: Simplify your life and earn up to 5% off by setting up automatic payments.
• Loyal to Allstate: Show your loyalty and get rewarded with a discount of up to 10% when you renew with them.
• New Homebuyer: If you’re a recent homebuyer, Allstate has an exclusive discount just for you.
• New home, new savings: Insure your newly constructed home and enjoy a special discount.
• Responsible payment: Keep up the good work and enjoy an additional discount for maintaining a solid payment history.
• Early bird gets the discount: Plan ahead and secure up to 10% off by purchasing a new homeowners insurance policy at least seven days before your current one expires.
• Protective measures pay off: Protect your home with theft and fire protection systems and receive a well-deserved discount.

Allstate’s homeowners insurance offers dwelling coverage, personal property insurance, personal liability coverage, and guest medical protection, among other vital aspects. But that’s not all—Allstate also provides a diverse range of optional coverages to customize your policy to your specific needs. However, if you’re looking for flood coverage (due to Port St. Lucie’s coastal location), you will need to get a separate flood insurance policy from NFIP.

With Allstate, you have the freedom to choose from nine optional coverage types for your homeowners insurance. In addition to the standard offerings like ID theft and scheduled personal property, Allstate distinguishes itself by providing unique coverage options for homeowners with yards and gardens. This includes increased coverage limits for landscaping costs and even protection for your beloved riding lawn mower.

Progressive shines as a standout choice with an impressive runner-up position in customer satisfaction according to JD Power. While USAA, exclusive to military members and their families, didn’t claim the Best for Customer Satisfaction title, Progressive stood strong.

Progressive’s home insurance policies encompass all the essential coverage types you’d expect:

• Dwelling coverage: Rest easy knowing Progressive will repair or replace your home if it’s damaged by covered incidents like fires or tornadoes.
• Other structures coverage: Structures not attached to your home, such as fences or sheds, are covered for repairs or replacement.
• Personal property coverage: From clothes and electronics to furniture, Progressive has your back for repairs or replacement of your belongings.
• Liability coverage: When it comes to property damage or injuries to others, including accidents on your property, Progressive’s got you covered. They even provide legal defense if a lawsuit arises.
• Additional living expenses coverage: If you find yourself temporarily displaced due to a covered issue like a tornado, Progressive includes expenses for hotel stays, meals, and even pet boarding.

It’s important to note that Progressive’s filings with the Florida Department of Insurance reveal certain dog breeds may not be eligible for coverage. This list includes Akitas, American bulldogs, chow chows, Dobermans, Mastiffs, pit bulls, Rottweilers, Staffordshire terriers, wolf hybrids, any mixed or varied breeds of these, and any dog with a history of biting. Also, if you’re looking for flood coverage (due to Port St. Lucie’s coastal location), you will need to get a separate flood insurance policy from NFIP.

Average premium for Progressive homeowners insurance in Port St. Lucie: $219/month

Citizens Property Insurance Corporation takes on a crucial role as a key player in Florida’s property insurance market, serving those who struggle to find coverage through private insurers.

With a strong commitment to excellence, Citizens strives to provide policyholders with service that matches the highest standards set by the private market.

Formed in August 2002 as a not-for-profit, tax-exempt government entity by the Florida Legislature, Citizens is on a mission to offer property insurance to eligible property owners across the state who face difficulties securing coverage from private insurers. However, if you’re looking for additional flood insurance coverage (due to Port St. Lucie’s coastal location), you will need to get a separate flood insurance policy from NFIP.

Citizens relies on policyholder premiums to sustain its operations. However, as per Florida law, in the event of significant storm damage or a series of storms leading to a deficit, Citizens may need to impose assessments on the majority of policyholders in Florida to address the shortfall.

Average premium for Citizen’s home insurance in Port St. Lucie: $415/month