Updated: December 16, 2024
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In West Palm Beach, Florida, Nationwide is the overall best and cheapest choice for home insurance. If customer service is your priority, Chubb is the best.
These companies meet different needs, so choose based on what's important to you. These coverages vary in price and satisfaction, so consider factors like cost and service quality when picking.
Best HomeInsuranceWest Palm BeachTable of Contents
Why Trust MoneyGeek? We used data and rates from the Florida Department of Insurance and Quadrant Information Services to select the top homeowners insurance options in West Palm Beach.
Home insurance premiums in West Palm Beach represent the latest available quotes as of September 2024.
MoneyGeek found that Nationwide is the best option for home insurance in West Palm Beach, Florida. It has a MoneyGeek score of 93 out of 100 for $100K dwelling coverage.
The scores for home insurance companies in West Palm Beach, Florida, range from 38 to 93. These figures reflect MoneyGeek's scoring system, where insurers receive different scores based on factors like credit history and the age of your home.
| Nationwide | 93 | $2,086 |
| State Farm | 92 | $2,222 |
| Allstate | 77 | $3,880 |
| Chubb | 76 | $6,540 |
| Florida Peninsula Insurance | 75 | $4,458 |
| ASI | 59 | $5,605 |
| Heritage Insurance | 54 | $6,248 |
| Universal Property | 38 | $9,362 |
MoneyGeek found that Nationwide is the best option in West Palm Beach, Florida, for $100K dwelling coverage. The two best overall home insurance companies in West Palm Beach for $100K dwelling coverage are:
Nationwide is the best home insurance provider due to its high affordability and comprehensive coverage, which significantly contribute to its MoneyGeek score.
In West Palm Beach, Florida, various companies offer different costs and service experiences. Although cost is a crucial factor, you should also consider customer satisfaction and coverage options, as these factors can be important when making claims.
Nationwide has high affordability and satisfaction scores, making it a top choice. It offers comprehensive home insurance with cyber event/ID theft and scheduled personal property coverages. You can save with discounts like home renovation and roofing material. Renovating your home's systems or having a newer roof can help you qualify.
Nationwide also provides useful coverages like service line protection, equipment breakdown and building ordinance or law. These coverages help protect against unexpected repair costs and ensure your home meets current building codes. With a MoneyGeek score of 93, Nationwide is a reliable option for homeowners.
MoneyGeek found that Chubb offers the best customer service in home insurance in West Palm Beach, Florida, for $100K dwelling coverage. If you're considering home insurance options, here are the top two providers for $100K dwelling coverage:
Chubb takes the top spot due to its excellent customer satisfaction rating and comprehensive coverage options. Customers trust Chubb for its timely and efficient service. Choosing Chubb means you are opting for a reliable company that prioritizes your needs.
Excellent service in home insurance means handling claims quickly and supporting you every step of the way.
Chubb is the best for service quality, thanks to its high customer satisfaction and coverage scores. It offers comprehensive home insurance coverage with options like guaranteed replacement cost and building ordinance or law. You can save with discounts like new home and home renovation. For example, you get a discount if your home is 10 years old or less.
Chubb's guaranteed replacement cost helps rebuild your home even if costs exceed your policy limit. Building ordinance or law covers the costs of bringing your home up to code. Cash settlement allows you to get a cash payout if you choose not to rebuild after a total loss.
MoneyGeek found that Nationwide is the best cheap home insurance option in West Palm Beach, Florida, for $100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
When considering the average cost of homeowners insurance in Florida, Nationwide excels due to its high affordability and coverage scores, which contribute significantly to its superior MoneyGeek rating. Opting for cheap home insurance usually means choosing lower coverage, which is wallet-friendly but may not cover all costs if something goes wrong. In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial.
The best cheap insurance stands out for balancing cost with basic coverage rather than just being the cheapest. Nationwide effectively balances price with service.
Nationwide has high affordability and satisfaction scores, making it a top choice. It offers cyber event/ID theft and scheduled personal property coverages. You can save with discounts like bundle and protective device. For example, you get a discount if your home has smoke detectors.
Nationwide's cyber event/ID theft coverage helps protect your personal data. Scheduled personal property covers valuable items like jewelry. Guaranteed replacement cost can pay to rebuild your home if needed. These coverages are useful for keeping your home and belongings safe.
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 20, 2024
Many factors, including location, impact homeowners insurance in West Palm Beach. To save money, compare rates from at least three companies. This can take over an hour, as each takes around 15 minutes. Use MoneyGeek's home insurance calculator for quick savings by focusing on key factors. Enter details like your age, coverage details and credit score to get an estimate.
Nationwide is the top choice in West Palm Beach, Florida, offering the best value for homeowners insurance. The dwelling coverage amount chosen strongly affects insurance premiums.
Nationwide is the cheapest in West Palm Beach due to its affordability and high MoneyGeek score of 96. Meanwhile, given its cost-quality balance, State Farm is excellent for $250K and $500K coverage.
Choosing the cheapest homeowners insurance in Florida can lead to significant savings and help manage your finances efficiently.
| Nationwide | $2,086 |
| State Farm | $2,222 |
| Allstate | $3,880 |
| Florida Peninsula Insurance | $4,458 |
| ASI | $5,605 |
| Heritage Insurance | $6,248 |
| Chubb | $6,540 |
| Universal Property | $9,362 |
State Farm is the cheapest home insurance provider for high-value homes in West Palm Beach, Florida. Homes that cost more to replace need high dwelling coverage, which raises home insurance costs.
State Farm's competitive pricing makes it a top choice in West Palm Beach for homeowners seeking coverage for high-value homes. According to MoneyGeek, while it offers the lowest rates, its ranking might not be the best overall. Yet, low costs make it a popular choice.
| State Farm | $9,911 |
| Nationwide | $14,116 |
| ASI | $32,508 |
| Florida Peninsula Insurance | $36,375 |
| Allstate | $42,343 |
| Chubb | $48,123 |
| Universal Property | $49,615 |
| Heritage Insurance | $50,521 |
State Farm offers the most affordable home insurance for new homes in West Palm Beach, Florida.
State Farm stands out for its low cost, making it the most budget-friendly choice for new homeowners in West Palm Beach. However, while it is the cheapest, it may not be the best in terms of overall value based on other factors.
You also need to ensure that your home insurance provides adequate coverage.
| State Farm | $876 |
| Nationwide | $1,035 |
| Allstate | $1,470 |
| ASI | $2,181 |
| Florida Peninsula Insurance | $2,590 |
| Heritage Insurance | $2,789 |
| Universal Property | $4,089 |
| Chubb | $4,325 |
The best cheap homeowners insurance providers balance quality and cost by offering great customer service and coverage with affordable premiums.
In West Palm Beach, the best cheap homeowners insurance depends on your needs. It's important to consider factors beyond just premiums, such as coverage limits, deductibles and company reputation. Follow these steps to get the best cheap home insurance:
Determine how much home insurance coverage you need in West Palm Beach, Florida, by considering rebuilding costs, personal property value and liability requirements.
Look into insurance companies operating in West Palm Beach, Florida. Focus on those with solid financial stability and positive customer reviews.
After identifying necessary coverages, compare home insurance quotes. In West Palm Beach, Florida, premiums for $100K dwelling coverage can range from $2,086 to $9,362 annually.
Inquire about potential discounts such as 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 an amount you can manage if a claim arises.
Enhancing home security with alarm systems and strong locks can lower your home's risk profile and insurance costs.
A good credit score in West Palm Beach, Florida, can impact your insurance rates. Pay bills promptly and minimize outstanding debt.
Bundling homeowners insurance with other policies like auto insurance can result in discounts and savings.
The best cheap home insurance provider in West Palm Beach depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about the best cheap insurance rates in West Palm Beach, Florida.
The average annual premium for home insurance in West Palm Beach, Florida, is $3,721.
Nationwide is the cheapest home insurance company in West Palm Beach, Florida, with an annual premium of $2,086.
The best home insurance in Florida for West Palm Beach residents is provided by Nationwide, 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.
