Jupiter Homeowners Insurance

What Your Jupiter Homeowners Insurance Needs

Jupiter is a lovely town in Florida’s Palm Beach County. With approximately 60,000 residents, Jupiter, FL is a rather small beach town that caters to tourists and vacationers who are attracted by its beautiful beaches and golf courses and the Palm Beach International Raceway. In fact, in 2012, Coastal Living magazine ranked it #9 on its list of “America’s Happiest Seaside Towns,” stating that it is easygoing and low key and that it offers plenty of luxury amenities. If you own a home in this vibrant coastal town, you will want to be sure to protect your investment with a suitable Jupiter home insurance policy.

When you are shopping for the best policy to cover your home, you can count on a local independent insurance agent in the Trusted Choice® network for help. These agents are able to gather Jupiter homeowners insurance quotes from a variety of highly rated providers so that it is easy for you to compare rates and find the right policy to meet your coverage needs. Find an agent near you to learn more.

  • National yearly premium average: $1,034
  • Florida yearly premium average: $1,103
  • 14th most expensive premium in the U.S.

Homeowners in Florida pay somewhat higher-than-average rates for their home insurance coverage. Of course, rates can vary significantly from one homeowner to the next, so the figures listed above should be used only to get a general idea of how much you might expect to pay. Insurance companies take a number of factors into consideration when they calculate your actual Jupiter home insurance costs. These can include but are not limited to such things as these:

  • The value and estimated rebuilding cost of your home
  • The ZIP code in which your house is located
  • The type of home you are insuring: primary residence, second home or vacation home
  • The amount of personal property coverage you wish to purchase
  • The amount of your deductible
  • Your eligibility for any policy discounts

Different insurance companies are most likely to quote different costs for your home coverage, so it is a good idea to compare at least three Jupiter homeowners insurance quotes before you make a selection.

Second Home and Vacation Home Insurance

If you own a second home or a vacation home, you have different insurance coverage needs than you do for your primary residence. For example, you may keep fewer belongings in a vacation home and therefore need less in the way of contents coverage, but if you let the property sit vacant for several months out of the year, you may have increased risk and see higher rates. Or you may own a second home that you use as a rental-income investment vehicle. In this case, you need a landlord insurance policy to meet your full coverage needs. Your Trusted Choice agent can help you find the right policies to cover your additional properties. Your agent may even be able to save you money by bundling the coverage under the same insurer as your Jupiter home insurance policy.

Number of Thefts in Florida

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

The burglary rate in Florida is lower than the national average; and in Jupiter the rate is low as well. In 2013, there were 163 burglaries reported in this town. That equates to about 2.82 burglaries for every 1,000 homes – less than half the national rate of 6.11.

You can further reduce your risk of burglary by taking preventive measures like ensuring that all doors and window have secure working locks and that your entryways are well lit and unobstructed. If you install a burglar alarm system, you may even qualify for a discount on your home insurance. Unfortunately, some property crimes are simply unavoidable. If your house is burglarized or damaged by vandals, you may take some comfort in knowing that your Jupiter homeowners insurance policy provides you with compensation for your losses.

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

Weather-related catastrophes can damage or destroy your home and the property kept inside it. So too can man-made disasters, such as out-of-control kitchen fires. That is why it is important that you have sufficient coverage for both the structure of your home and its contents. Your Trusted Choice agent can help you assess how much coverage is enough to enable you to start over in the wake of a total loss. In some cases, highly valuable property, such as fine art and heirlooms, may require a special endorsement in order to be fully covered.

What Are the Risks in Jupiter, FL?

The biggest risk faced by homeowners in Jupiter is property damage caused by hurricanes. On average, this town is affected by hurricanes once every 2.18 years, and the average wind speed when these hurricanes hit is 105 miles per hour. In 2005, for example, Hurricane Wilma hit this town from the southwest, bringing damaging winds of up to 110 miles per hour. It is important that you ensure that your home has hurricane insurance coverage. In some cases, this entails purchasing a special endorsement with your Jupiter homeowners insurance, and in others it means you need to buy supplemental coverage. Either way, your Trusted Choice agent can help you be sure you have the coverage you need.

Jupiter residents also face a bit of a risk of tornado damage. While tornado activity in this town is 33 percent lower than the national average, it still exists. In 1970, for example, an F2 twister touched down 0.4 miles from the town center and caused some property damage. Your Trusted Choice agent can help to you make sure that the home policy you choose includes coverage against tornadoes.

Compare Jupiter Home Insurance Quotes

The only way you can be certain that you are purchasing your Jupiter homeowners insurance policy at a reasonable price is by comparing costs and offerings from a few competing insurance companies. Because this can be a time-consuming and sometimes frustrating task, many homeowners avoid it and, as a result, end up paying more than is necessary for their coverage.

That is why it is advantageous to work with an independent insurance agent in the Trusted Choice network. These agents will take the time to understand your specific coverage needs and will then contact a few reputable insurance companies to make rate inquiries on your behalf. That way, you can easily compare a selection of customized Jupiter home insurance quotes. With offices conveniently located in and near Jupiter, it is easy to find a local Trusted Choice agent who can assist you.

Now, who's ready to get their insurance problems solved?