Updated: December 13, 2024
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In Port St. Lucie, Florida, Nationwide is the best and cheapest home insurance company overall. However, if customer service is your priority, Chubb is the top option.
These companies fulfill various needs. Finding the best and cheapest home insurance depends on your needs, like customer service, coverage and affordability.
Best HomeInsurancePort St. LucieTable of Contents
Why Trust MoneyGeek? We used Florida's Department of Insurance and Quadrant Information Services data to find the best homeowners insurance in Port St. Lucie.
In Port St. Lucie, home insurance quotes indicate the most competitive rates as of September 2024.
Nationwide is the best home insurance option for $100K dwelling coverage in Port St. Lucie, FL, with a MoneyGeek score of 93 out of 100.
Home insurance companies in Port St. Lucie have scores ranging from 43 to 93, according to MoneyGeek's scoring system. Scores vary based on factors like credit history and home age.
| Nationwide | 93 | $1,181 |
| State Farm | 92 | $1,276 |
| Florida Peninsula Insurance | 74 | $3,571 |
| ASI | 68 | $2,800 |
| Allstate | 67 | $4,748 |
| Chubb | 62 | $8,171 |
| Heritage Insurance | 58 | $4,318 |
| Universal Property | 43 | $7,262 |
Nationwide is the best home insurance company in Port St. Lucie, FL, for $100K dwelling coverage due to its perfect affordability and coverage scores. The overall top providers are:
While cost is a key factor, consider customer satisfaction and coverage options, which matter when filing claims.
Nationwide is the best home insurance company, thanks to its top scores in affordability and coverage. Discounts for bundling policies and equipping your home with protective devices like smoke detectors or alarms can help you save money.
Its comprehensive coverages include cyber event/ID theft and scheduled personal property. Guaranteed replacement cost coverage helps rebuild your home after a loss. Service line coverage financially protects against losses due to damage to underground lines, and equipment breakdown covers repairs for mechanical issues.
Chubb offers the best customer service in home insurance for $100K dwelling coverage in Port St. Lucie, FL. The top providers in this category are:
Chubb provides exceptional customer satisfaction and strong coverage options, offering tailored solutions to protect homes effectively.
Excellent service in home insurance means timely assistance, clear communication and efficient claims processing.
Chubb leads in service quality with high customer satisfaction and coverage scores. Discounts, such as new home (for properties 10 years old or less), help lower costs.
It offers comprehensive home insurance, including guaranteed replacement cost, building ordinance or law and cash settlement coverages. Guaranteed replacement cost coverage ensures your home is rebuilt even if expenses exceed policy limits. Building ordinance or law coverage pays for upgrades to meet current codes after a loss. Cash settlement coverage lets you choose a cash payout if you don't want to rebuild.
State Farm is the best cheap home insurance company for $100K dwelling coverage in Port St. Lucie, FL, due to its strong affordability and customer satisfaction. The top budget-friendly providers for this coverage amount are:
If saving on premiums is a priority, exploring the cheapest homeowner insurance companies can help. However, more affordable home insurance often means getting lower coverage. While this is good for saving money, it might not be enough if something serious happens.
The best cheap home insurance differs from the most affordable because it considers more than just the cost.
State Farm scores high for affordability and satisfaction, making it the best cheap home insurance option. You can save with discounts for bundling multiple policies and installing protective devices like a home security system.
It offers coverages like building ordinance or law, which helps with updates to meet current codes, and backup sewer or drain, which protects against water damage from backups.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 23, 2024
Several factors influence homeowners insurance in Port St. Lucie, such as location. Comparing rates is the best way to save, though it takes up to 15 minutes per company. Checking three or more companies might mean over an hour of research. Use MoneyGeek's home insurance calculator, entering age, dwelling coverage, credit score, deductible, liability coverage and other details for quick estimates.
Nationwide offers the lowest home insurance rates in Port St. Lucie, FL. Here are the cheapest overall providers:
The key factor affecting home insurance costs is the dwelling coverage you select. Nationwide stands out for its affordable costs and top MoneyGeek score, making it the city's top choice for $100K coverage. State Farm is the cheapest for $250K and $500K, but it also aligns well with high MoneyGeek scores.
Getting the cheapest homeowners insurance in Florida can help you manage your finances by lowering your monthly expenses.
| Nationwide | $1,181 |
| State Farm | $1,276 |
| ASI | $2,800 |
| Florida Peninsula Insurance | $3,571 |
| Heritage Insurance | $4,318 |
| Allstate | $4,748 |
| Universal Property | $7,262 |
| Chubb | $8,171 |
State Farm is the cheapest option for insuring high-value homes in Port St. Lucie, FL. High home insurance costs are required for homes that are expensive to replace.
State Farm is the most affordable homeowners insurance provider and ranks highly in its overall score.
| State Farm | $5,609 |
| Nationwide | $7,579 |
| ASI | $16,451 |
| Florida Peninsula Insurance | $29,145 |
| Allstate | $32,051 |
| Heritage Insurance | $34,845 |
| Universal Property | $38,221 |
| Chubb | $60,128 |
State Farm offers the cheapest insurance for new homes in Port St. Lucie, FL.
Even though State Farm is the most affordable, it may not be the best choice for everyone. Ensure you're adequately covered to protect your home and belongings.
| State Farm | $515 |
| Nationwide | $594 |
| ASI | $1,056 |
| Allstate | $1,739 |
| Heritage Insurance | $2,010 |
| Florida Peninsula Insurance | $2,156 |
| Universal Property | $3,572 |
| Chubb | $5,390 |
The best cheap homeowners insurance providers balance quality and cost, offering excellent customer service and coverage at affordable premiums. The best option for you depends on your needs. Consider factors like coverage, customer service and deductibles.
Follow these steps to find the best cheap home insurance:
To determine how much home insurance coverage you need, consider your rebuilding costs, personal property value and liability needs.
Look into insurance companies in Port St. Lucie, FL. Focus on those with strong financial stability, positive customer reviews and a history of quality service.
Once you know your coverage needs, compare home insurance quotes. In Port St. Lucie, FL, average annual premiums for $100K dwelling coverage range from $1,181 with Nationwide to $8,171 with Chubb.
Inquire with each provider about discounts, such as for bundling policies, installing safety features or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium, but ensure it's manageable in case you need to file a claim.
Enhancing your home's security with systems and sturdy locks can lower its risk profile and potentially reduce insurance costs.
Keeping a good credit score can influence your insurance rates. Make timely bill payments and minimize outstanding debt.
Consider bundling your homeowners insurance with other policies, like auto insurance, for potential discounts and savings.
The best cheap home insurance provider depends on your coverage needs and budget. Get answers to common questions about the best affordable insurance rates in Port St. Lucie, FL.
The average annual home insurance cost in Port St. Lucie, Florida, is $3,124.
The cheapest home insurance company in Port St. Lucie, Florida, is Nationwide, with an average annual premium of $1,181.
Nationwide provides the best home insurance in Florida for Port St. Lucie residents, with a MoneyGeek score of 93 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
