How Can I Make My Boca Raton, FL Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Boca Raton, FL covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.

Compare Quotes from Top Providers and Save now!

Select the Suitable Coverage Value for your Boca Raton, FL Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $77,000 $70,000 $75,000-$100,000
2 Bedroom $261,000 $220,000 $250,000-$300,000
3 Bedroom $240,000 $220,000 $250,000-$300,000
4 Bedroom $305,000 $250,000 $300,000-$350,000
5 Bedroom $352,000 $310,000 $250,000-$300,000

Estimate your Savings with Home Insurance Discounts in Boca Raton, FL | Back to Top

This table lists savings for a median home value of $353,100 and an average premium of $2,935

Discount Type Premium After Discount
Multipolicy Discounts $2,612
Superior Protection Discount $2,788
Fire & Security Discounts $2,583

Choose the Right Deductible for your Boca Raton, FL Home | Back to Top

Low Deductible ($500) High Deductible ($2500)
Place Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
Florida $300 $680 $980 $570 $870 $110
Palm Beach County, FL $1,000 $810 $1,310 $690 $1,690 $-380
Boca Raton, FL $2,000 $960 $1,460 $820 $2,820 $-1,360
Coconut Creek, FL $100 $830 $930 $730 $830 $100
Coral Springs-Margate, FL $1,000 $680 $1,180 $560 $1,560 $-380
Plantation, FL $100 $650 $750 $530 $630 $120
Haverhill, FL $1,500 $910 $1,410 $770 $2,270 $-860
West Palm Beach, FL $200 $770 $970 $640 $840 $130
Golden Beach, FL $700 $1,840 $2,340 $1,600 $2,300 $40
Pembroke Pines, FL $100 $1,210 $1,310 $1,000 $1,100 $210
Miami Beach, FL $1,000 $1,360 $1,860 $1,140 $2,140 $-280
Virginia Gardens, FL $500 $900 $1,400 $760 $1,260 $140
Jupiter Island, FL $700 $1,910 $2,410 $1,660 $2,360 $50

Identify Top Home Insurance Agents near Boca Raton, FL | Back to Top

Home Insurance Company Boca Raton, FL Homeowners Insurance Agency Boca Raton, FL Address Popularity Score Distance from Boca Raton (miles)
Travelers Mack Insurance Group 7251 W Palmetto Park Rd Ste 206, Boca Raton, FL, 33433
5.0
Allstate Russ Deboo 1430 S Federal Hwy Ste 200, Deerfield Beach, FL, 33441
5.7
Allstate Charles Maurer 1000 Linton Blvd Ste A2, Delray Beach, FL, 33444
4.0
Travelers Burke Bogart & Brownell Inc 181 Crawford Blvd, Boca Raton, FL, 33432
2.1
State Farm John Peters 7495 W Atlantic Ave Ste 214, Delray Beach, FL, 33446-1393
7.0
Allstate Dennis Moran 6516 N State Road 7, Coconut Creek, FL, 33073
8.8
Travelers Bateman Gordon & Sands Inc 3050 N Federal Hwy, Lighthouse Point, FL, 33064
7.8
Travelers Royal Florida Insurance 2900 N Military Trail #140 , Boca Raton, FL, 33431
2.3
Allstate Lou Acernese 1761 W Hillsboro Blvd Ste 102, Deerfield Beach, FL, 33442
5.1
Allstate Ed Slutzky 120 Ne 5th Ave, Delray Beach, FL, 33483
5.8

Compare Rates for Boca Raton, FL Home Insurance Providers | Back to Top

Compare Quotes from Top Providers and Save now!

Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Florida $170,800 $820 $640 $1,100 $460
Palm Beach County, FL $216,200 $1,120 $870 $1,500 $630
Boca Raton, FL $353,100 $1,590 $1,240 $2,130 $890
Coconut Creek, FL $154,300 $660 $510 $880 $370
Coral Springs-Margate, FL $170,400 $920 $720 $1,230 $510
Plantation, FL $164,500 $820 $640 $1,100 $460
Haverhill, FL $167,900 $720 $560 $960 $400
West Palm Beach, FL $149,800 $630 $490 $840 $350
Golden Beach, FL $1,000,001 $2,200 $1,720 $2,950 $1,230
Pembroke Pines, FL $223,800 $1,030 $800 $1,380 $580
Miami Beach, FL $327,800 $1,210 $940 $1,620 $680
Virginia Gardens, FL $227,600 $1,020 $800 $1,370 $570
Jupiter Island, FL $1,000,001 $2,500 $1,950 $3,350 $1,400

Research Home Insurance Companies Reviews in Boca Raton, FL Before Buying | Back to Top

Share a review on your home insurance company


USAA Home Insurance Reviews

Date: January 27, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
USAA has great customer service. Luckily I have not had to use them in this department. I recently added a few coverage items and it went smoothly. They are very nice and helpful

Date: January 24, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Policy Offerings
I am not sure about other policy's, but one think I like about USAA is you can completely customize your policy to fit your need and budget.


Date: September 25, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Website/App
The mobile app for my insurance company is not as easy to navigate as the full site and does not have all the same features so I prefer to use the full site whenever possible.

Date: September 17, 2018    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Policy Offerings
My home insurance policy covers my home and all buildings on the immediate property, as well as all the non attached furnishings. Our policy covers fire, flood water and wind damage to the home or property.


Date: September 15, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Premium
I have only truly had one insurance company since I bought my home, but while researching home insurance companies the premium for USAA was the most reasonable for the protection provided. Also, the customer service and ease of access for military members were unparalleled.

Date: September 11, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Communication
I really enjoy the calm, respectful and courteous manner by which my home insurance company conducts business. I have never had an unpleasant experience communicating with my home insurance company. They numerous offices worldwide and they seem to pride themselves on respecting and providing the best service possible. All of the there agents are easy to understand.

Date: January 06, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Customer Service
To be honest, there isn't anything that I dislike about my insurance companies customer service, and that is why my husband and I have banked and use USAA services for over 20 years.

Security First Home Insurance Home Insurance Reviews

Date: September 24, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I haven't checked other carriers in many years. This is due to the fact that my autos are also cover and I get a discount as a package deal

Date: September 20, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
The coverage is for dwelling replacement as well as the contents of the dwelling up to a certain amount. I believe the contents is 200K maximum based on what is on the policy.


Date: August 23, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Website/App
Their website and mobile apps are not of the same quality as some of the national, larger insurers. They lack sophistication and simplicity.

Date: June 27, 2018    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Communication
They are very personable and friendly. They always get back to me when I have a need. They are very down to earth and reasonable.

Date: May 07, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
They are very personable and friendly. They always get back to me when I have a need. They are responsive.

Homeowner's Choice Home Insurance Reviews

Date: September 04, 2018    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Website/App
It's easy to get to and navigate through. It lists everything that has to offer with pricing on the list.

Date: August 27, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
Our premium isn't that well with this company but it is better than most places I've called about. It's nice because they take it out of the bank account.

Date: August 26, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Customer Service
When I call I can usually talk to someone who is very helpful but there are times when a person isn't there and nobody can answer my questions.

Date: August 25, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Communication
We don't even talk to anyone that works there. They never call and ask about the house.

Date: May 07, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Policy Offerings
They are covering all of our belongings, the house itself and our attached garage. They cover everything in our finished basement.


Farm Bureau Home Insurance Reviews

Date: November 03, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Website/App
My insurance policy payments platform is managed by matrix and if there is a problem with a payment the insurance company will not help you resolve the issue and matrix is almost always unreachable

Assurant Specialty Property Home Insurance Reviews

Date: November 29, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
I think the customer service is relatively good, however, some of the times it is hard for me to get through to them and it takes longer than what I would like it to take.

American Integrity Insurance Home Insurance Reviews

Date: December 05, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
I literally got quotes from over 10 companies to compare. My premium was at least $200 a year cheaper than any other company I searched at the time.

Allstate Home Insurance Reviews

Date: April 01, 2019    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Premium
For me, the higher deductible has worked in favor to reduce the costs I pay yearly. When I compare the premium and deductible to others, my company comes out ahead of the rest.

Florida Farm Bureau Insurance Home Insurance Reviews

Date: February 05, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
We have been searching for Home Insurance for almost a year now. The age combined with the type of home we have is , apparently, a bad investment for insurers.

People's Trust Insurance Home Insurance Reviews

Date: January 31, 2019    Age: 40 to 49    Gender: Female    Marital Status: Married

Policy Offerings
We purchased this policy 3 years ago when we bought our home. Prior to selecting this company, I asked family and friends who they were using. My mom used this company and recommend them. I called numerous companies and got quotes. I saved almost half on my premiums for a similar policy with other companies. I have had to call twice now, once after roof damage from Hurricane Matthew, and once due to a faulty water heater. They were professional and quick both times. While our neighbors waited on insurance companies after the hurricane, we already had a new roof. Very happy, and very thankful.


State Farm Home Insurance Reviews

Date: January 20, 2019    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Premium
Well I have a $0 deductible, so whats to compare? It's the best you can get... If a kid throws a baseball through my window someone will be out to fix it within a couple of days. You really can't get better than that.

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