Palm Bay Homeowners Insurance

Find the Right Palm Bay, FL Homeowners Insurance

Find the right homeowners insurance policy for you.

Palm Bay is one of Florida’s hidden gems, offering endless summers, diverse sporting opportunities and a scenic waterfront area complete with restaurants and locally owned boutiques. With highly-rated schools and a low crime rate, Palm Bay, FL is the perfect place to call home. Just make sure you’re prepared for the unpredictable Florida weather with a comprehensive Palm Bay homeowners insurance plan. Our Independent Insurance Agents take the guesswork out of choosing home insurance. Our friendly agents offer one-on-one support to each homeowner, taking time to answer your questions, provide multiple rate quotes and help you choose a policy that is just right for your Palm Bay home.

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

Florida’s high home insurance rates can certainly be frustrating, but there are a few things you can do to lower your premium. First, take the time to ask an Independent Insurance Agent about available discounts. You could save money on your rate by installing smoke detectors, security systems or making a few energy-efficient upgrades. Ultimately, your rate largely depends on the size, age, and location of your home. 

Palm Bay Second Home and Vacation Home Insurance

Palm Bay’s easy access to Orlando makes it a perfect vacation getaway. With just a short drive, you can experience all the amenities of the state’s best theme parks and attractions and return home to rest in the quiet serenity of Palm Bay. If you own a second home or vacation home in this city, our Independent Insurance Agents can guide you toward the best insurance options to protect your investment.

Number of Thefts in Florida

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

The Sunshine State has far fewer burglaries than the national average, but home invasions still happen occasionally. In many cases, vacation homes are targeted because they are empty for weeks at a time. Make sure you’re prepared to deal with a break-in by choosing a homeowners insurance plan that includes total protection against theft and vandalism.


Save on Home Insurance

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

Number of Catastrophes in Florida

  • Number of catastrophes in Florida: 594
  • Number of tornadoes in Florida: 23
  • 1 in 15 insured homes has a claim each year

Florida has a high number of natural disasters each year, ranging from coastal hurricanes and tropical storms to localized flooding. If you choose to invest in Palm Bay property, make sure you take precautions to protect your home against common weather threats and select a homeowners insurance policy that offers compensation for property damage related to natural disasters.

What Are the Risks in Palm Bay?

Palm Bay has seen more than its fair share of hurricanes over the years. Since 1930, there have been 69 hurricanes to cross through the city, doing major damage to many local homes and businesses. Our Independent Insurance Agents can help you find a homeowners insurance policy that protects your home from hurricane damage and compensates you for the cost of repairs if you ever encounter a deadly storm system in your neighborhood.

Compare Palm Bay Home Insurance Quotes

As you shop for home insurance in Palm Bay, take time to compare quotes to find the best low-cost policy. Our Independent Insurance Agents can simplify this process by providing you with quotes on multiple policies in one convenient place. With one phone call, you can have instant access to all of your options so you can do a side-by-side comparison of cost and benefits. 

To learn more about how you can save on Palm Bay home insurance, contact an Independent Insurance Agent today, and receive a free customized rate quote.

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