Palm Coast Homeowners Insurance

What Your Palm Coast, FL Homeowners Insurance Policy Needs

Find the right homeowners insurance policy for you.


Palm Coast, FL is a rapidly growing city in the state's Flagler County. Incorporated in 1999, it is one of the state’s newest cities. The city features saltwater and freshwater canals; recreational activities, like boating and golf; and a large number of parks and walking and biking trails. If you are among the many Florida residents who have elected to make this beautiful, low crime city your home, you will want to be sure to protect the investment you have made in your house by purchasing a suitable Palm Coast homeowners insurance policy.

Comparison shopping makes it possible for you to find the best policy to meet your coverage and budgetary needs. Our Independent Insurance Agents make shopping for affordable home coverage easy. These local agents can obtain an assortment of customized Palm Coast home insurance quotes from a number of quality providers so that you can choose the policy that is best for you and your family. 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.

Although residents of Florida pay more for their home insurance coverage than most property owners across the nation, the figures listed above can only give you a general idea of what your price for coverage might be. The only way to discover your actual cost is to contact a variety of insurance companies and request a quote. These companies take a number of factors into consideration when they calculate the cost of your Palm Coast home insurance premiums. Prices can be influenced by several factors such as the following:

  • The age, value and estimated rebuilding cost of the house you are insuring
  • The building materials used in your home’s construction
  • The ZIP code in which the house is located
  • The use of the house you are insuring: primary residence, second home or vacation home
  • The type of house you own (e.g., detached home, condominium, manufactured home, townhouse, etc.)
  • The amount of property coverage you would like to purchase
  • The amount of your deductible

To find the best policy at the most affordable rate, you should compare at least three Palm Coast homeowners insurance quotes before making a purchase.


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

Second Home and Vacation Home Insurance

If you are among the Palm Coast residents who own a second home or a vacation home, you need to purchase a homeowners policy for your extra property as well. However, your coverage needs are a bit different from those of your primary residence — particularly if you rent to tenants or if the house sits empty and unattended for several months out of the year. Be sure to discuss the coverage needs of all your properties with your agent. Your agent can help you find an assortment of suitable policies at affordable rates. You may even qualify for a discount on each of your policies if you bundle your second home or vacation home coverage with the same insurer that provides your Palm Coast homeowners insurance policy.

Number of Thefts in Florida

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

The burglary rate in the state of Florida is lower than the national average, and in Palm Coast, the rate is relatively low as well. Of course, burglaries still happen in this city, so it is important that you have the proper coverage for your personal belongings and valuables. That way, if you are the victim of a property crime, your Palm Coast homeowners insurance policy provides you with compensation. Most insurance companies put coverage caps on certain types of property, so if you own any particularly expensive items, such as excessive jewelry, heirlooms or collectibles, your agent may recommend that you purchase additional endorsements to cover them.


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

When a disaster (such as a tornado, hurricane or accidental fire) strikes, you may gain some peace of mind from knowing that you have a solid insurance policy backing you up. Of course, you need to be certain that your Palm Coast home insurance includes a sufficient amount of structural (dwelling) and personal property (contents) coverage so that in the event of a total loss, you can afford to rebuild and start over.

When purchasing contents coverage, you may be given the choice between buying actual value or replacement cost coverage. The former compensates you in the amount of the actual, depreciated value of your lost belongings, such as furniture and clothing, whereas the latter will provide you with enough compensation to purchase new replacements. Although replacement cost coverage is more expensive to buy, it can prove far more valuable in the wake of a disaster. Your agent can explain more and help you decide which is the better choice for you.

What Are the Risks in Palm Coast, FL?

Homeowners in Palm Coast are most at risk for property damage caused by hurricanes, tropical storms and other severe storms. More than 75 hurricanes have affected residents of this part of the state since 1930. These storms bring torrential downpours and damaging winds that can topple trees, destroy roofs and siding, and cause copious amounts of property damage. While most storms are covered by home policies, many insurance companies require policyholders to purchase additional riders or supplemental coverage in order to be covered against hurricanes. Your local agent will be well aware of the risks you face as a homeowner in this city and can help you be certain that the policy you select includes all the coverage you need.

Hurricanes can also cause flooding in the area, but flood damage is specifically excluded from home insurance coverage — even if your policy includes hurricane insurance. Fortunately, the city of Palm Coast is an active participant in the National Flood Insurance Program (NFIP). This means that your agent can help you supplement your Palm Coast homeowners insurance with an affordable flood insurance policy. These flood policies do not go into effect until 30 days after you have purchased them, so do not wait until a storm is imminent to buy this important coverage.

Compare Palm Coast Home Insurance Quotes

You can be certain that you are getting your Palm Coast home insurance coverage at a competitive rate only if you have taken the time to request quotes and compared costs and offerings from a few competing insurance companies. Unfortunately, consumers often find this process to be time-consuming and inconvenient, and they, therefore, avoid doing it. Savvy homeowners in Palm Coast, on the other hand, turn to an agent for help. 

Because our agents are not beholden to one particular insurance company, they are free to shop around to help you find the best coverage. They can provide you with a selection of customized Palm Coast homeowners insurance quotes from reputable insurance companies, and they can offer guidance as you select the best one to meet your coverage and budgetary needs. 

Find an agent in or near Palm Coast to get started.

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