Delray Beach Homeowners Insurance

Your Delray Beach, FL Home Insurance Policy

(Find the right homeowners insurance policy for you.)


Delray Beach, FL is a coastal city located within the Miami metropolitan area. With more than 65,000 residents, this rapidly growing Florida city offers its residents much in the way of nightlife, dining, entertainment, parks and recreation and retail establishments. If you own a house in this vibrant vacation-themed city, you will want to be sure to protect your investment with a suitable Delray Beach home insurance policy.

Comparing rates from at least three competing insurance companies can help you get your policy at a great price. Independent insurance agents in our network make comparison-shopping coverage easy by doing the legwork for you. 

These agents are able to obtain customized Delray Beach home insurance quotes from a variety of highly-rated providers so you can find an affordable policy that meets your coverage and budgetary needs. Find an agent near you to learn more.

  • National yearly premium average: $1,211
  • Florida yearly premium average: $1,951
  • 2nd most expensive premium in the U.S.

On average, homeowners in Florida pay more for their home insurance coverage than others across the nation. While the figures listed above can give you a rough idea of what your costs might be, the only way to get your actual rate is to contact insurance companies and request rates. 

These companies will take a number of factors into consideration when they calculate your price for Delray Beach home insurance. Your rates will be influenced by several factors, including the following:

  • The ZIP code where your house is located
  • The value of your house and the building materials used in its construction
  • The amount of property coverage you need
  • The type of house you are insuring: primary residence, second home or vacation home
  • The amount of your deductible
  • Your claims history

To get the best price for your coverage, it is recommended that you compare at least three Delray Beach homeowners insurance quotes before making a selection.

Second Home and Vacation Home Insurance

If you own a second home or a vacation home, your insurance needs will be a bit different, particularly if your property sits unoccupied for long periods of time or if you rent it out to tenants. Be sure to discuss your coverage needs with your agent, who can help you find suitable policies for these types of houses. You may even be able to save money on all of your home policies by bundling them with the same insurance provider.


Save on Home Insurance

Our independent agents shop around to find you the best coverage.

Number of Thefts in Florida

  • National number of burglaries: 37,814
  • Florida number of burglaries: 3,316

Burglary rates in the state of Florida are much lower than the national average, but the rate in Delray Beach is rather high. In recent years, there were a total of 588 burglaries reported in this city. That is about 9.35 burglaries for every 1,000 households, well over the national rate of 6.11. This may be due, in part, to the high number of tourists in the area.

You can reduce your risk of loss due to burglary by being proactive and installing burglar alarm systems and motion detection lighting. Doing so may even qualify you for discounts on your Delray Beach homeowners insurance. If you are the victim of a burglary, you may gain some comfort from knowing that your Delray Beach home insurance company provides compensation for your losses. Your agent can help you ensure that you have the right coverage in place for all of your valuables.

Number of Catastrophes in Florida

  • Number of catastrophes in Florida: 594
  • Number of tornadoes in Florida: 23
  • Amount of property damage in Florida: $210,240,000
  • 1 in 15 insured homes has a claim each year

Your Delray Beach home insurance policy provides you with compensation if your house or personal property is lost or damaged due to a severe weather event, an accidental catastrophe such as a house fire or a property crime like burglary and vandalism. Some catastrophes, however, may require you to purchase special endorsements with your policy. 

A local agent will know the risks that you face as a homeowner in this city and will be able to help you find policies that properly mitigate your exposures.

What Are the Risks in Delray Beach, FL?

Delray Beach is a tourist destination, and with large numbers of out-of-town vacationers, particularly during spring break, the risk of property crimes increases. Homeowners in the area should ensure that they have sufficient property coverage – including any necessary endorsements for extremely valuable items – in place with their Delray Beach homeowners insurance policies. 

Additionally, Delray Beach residents are most at risk for damage caused by hurricanes, tornadoes and heavy winds. Some home insurance policies may require you to specifically request coverage against major hazards like hurricanes in order to be covered, so be sure to review your policy selections carefully with your local agent.

Compare Delray Beach, FL Homeowners Insurance Quotes

The only surefire way to know you are getting your Delray Beach home insurance coverage at a competitive rate is by requesting and reviewing costs and offerings from a selection of reputable insurers. Unfortunately, consumers often find comparison shopping to be time-consuming and frustrating. 

That is why savvy homeowners in Delray Beach turn to agents in our network for help. Independent agents are free to work with several highly rated insurance companies. They can make rate inquiries on your behalf and provide you with a selection of customized Delray Beach homeowners insurance quotes that you can review and compare. 

Find an independent agent with an office in or near Delray Beach to get started.

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