Palm Beach Gardens, FL is a city of approximately 50,000 people, located along the state's eastern seaboard. Known for its golf scene, this city features a number of beautiful gated communities, the Art in Public Places program, many cultural and entertainment venues, and a low crime rate. If you are among the proud homeowners in this beautiful Florida city, you will want to be sure to protect your investment with a suitable Palm Beach Gardens home insurance policy.
Taking the time to compare rates from competing insurance companies can help you get your home coverage at an affordable price. Trusted Choice® agents make comparison shopping easy by doing the rate inquiry legwork for you. These agents are able to obtain customized Palm Beach Gardens home insurance quotes from a selection of highly rated providers so that you can find the policy that best meets your coverage and budgetary needs. Find an agent near you to learn more.
Overall, homeowners in Florida pay higher rates for their home insurance coverage than the majority of homeowners across the nation. While the figures listed above can give you an estimate of what your cost for coverage might be, the only way to get your actual rate is to contact a few insurance companies and request a quote.
The companies you contact will take a number of factors into consideration in order to calculate the price of your Palm Beach Gardens home insurance. Your rates are influenced by several factors, including such things as the following:
In order to get your coverage at the most affordable price, it is recommended that you compare at least three Palm Beach Gardens homeowners insurance quotes before selecting a policy.
If you own extra property, such as a second home or a vacation home, you need to buy home coverage for this property as well. However, your insurance needs for any additional properties are likely to differ from those of your primary residence.
Vacation homes may be located in areas with increased or different weather-related risks; and properties that sit empty and unattended for long periods have greater potential for expensive damage. Furthermore, if you own a second home for the purpose of rental income, whether long-term for families, or short-term for students at Palm Beach State College or vacationers, you need a landlord insurance policy in order to be fully covered against your increased liability risks.
Your Trusted Choice agent can make appropriate policy recommendations and help you find affordable coverage for all of your properties. Your agent may even be able to earn you discounted policies by bundling your coverage under the same insurer that provides your Palm Beach Gardens homeowners insurance. Talk to your agent about all of your properties to learn more.
The burglary rate in the state of Florida is lower than the national average; and in Palm Beach Gardens, the rate is even lower. In 2014, for instance, there were 204 burglaries reported in this city. That equates to about 3.98 burglaries for every 1,000 households — significantly lower than the national rate. This may be due, in part, to the large number of gated communities in this city.
Burglar alarm systems are highly effective in reducing the risk of burglaries, and installing one in your home may even qualify you for a discount on your Palm Beach Gardens homeowners insurance. If you are the victim of a burglary, bear in mind that your Palm Beach Gardens home insurance company provides you with compensation for your losses. You need a copy of the police report, as well as a detailed inventory of your lost or damaged belongings, when you file your claim. Your Trusted Choice agent can provide you with assistance throughout the claims process, if needed.
Your Palm Beach Gardens home insurance policy provides you with compensation if your property is lost or damaged due to a number of different potential hazards. These can range from severe weather events, like hurricanes, to accidental catastrophes, such as out-of-control cooking fires. It is important that you purchase a sufficient amount of coverage to enable you to rebuild and start over in the event of a total loss.
Your Trusted Choice agent can help you decide on appropriate coverage amounts and can advise you about whether choosing actual value or replacement value coverage is a better option for you. Your agent can also recommend special endorsements if they are necessary to provide you with full coverage for some of your particularly valuable belongings, such as fine art or collections.
The biggest risk faced by homeowners in Palm Beach Gardens is property damage caused by hurricanes. The storms, which form over the Atlantic Ocean, can bring torrential downpours and damaging winds that can loosen shingles, topple trees and damage area property. On average, this city is affected by a hurricane about once every two years, with a direct hit occurring about once every five years.
You will want to be certain that the home insurance policy you choose includes coverage against hurricanes. Some policies will require you to purchase this coverage as a special endorsement, while others might necessitate that you purchase a supplemental hurricane insurance policy. As a member of your community, your Trusted Choice agent will be aware of the risks you face as a homeowner in Palm Beach Gardens and will be able to recommend appropriate coverage solutions.
When you request rates and compare quotes from a few competing insurance companies, you can be sure that you are selecting a policy that offers the coverage you need at a rate you can afford. Unfortunately, many consumers find comparison shopping to be too time-consuming and they skip this important step. Savvy homeowners in Palm Beach Gardens, on the other hand, turn to a Trusted Choice agent for help.
These local independent agents are free to work with several different insurance companies. They can make rate inquiries on your behalf and then provide you with a selection of customized Palm Beach Gardens homeowners insurance quotes that you can review and compare together. Find a Trusted Choice agent with an office in or near Palm Beach Gardens to get started in your search for the best home policy.